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DOAN LAW BANKRUPTCY NEWS

Why Does My Credit Report Still Show A Balance After Bankruptcy?

Probably because the creditor still wants their money!  Unless that creditor did not get notice of bankruptcy, reporting a balance is a very power debt collection tool and a popular tool by the debt collection industry to collect debts previously discharged in bankruptcy.  In prior articles, I had written how such acts will subject the creditor to liability.  Recently, on January 12, 2009, the Ninth Circuit ruled in Gorman v. Wolpoff & Abramson, LLP, 2009 U.S. App. LEXIS 585 (9th Cir. Cal. Jan. 12, 2009), that California Civil Code 1785.25(a) may also now be used to sue creditors who continue to report

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Foreclosure and Bankruptcy: Save Your Home in California!

All too often people fail to understand how powerful a chapter 13 is when it comes to saving your home from foreclosure.  Stay tuned, more on this blog to be published soon. Written by Michael G. Doan– Presently, Michael is concentrating his practice solely in Bankruptcy Law and is a Board Certified Specialist in Consumer Bankruptcy Law by the American Board of Certification, one of only fourteen such attorneys in all of California. He owns and manages the Carlsbad Bankruptcy Attorney’s Office. Contact an Oceanside Bankruptcy Lawyer today at Doan Law Firm.

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Bankruptcy in San Diego

San Diego is on track to set a record number of bankruptcy cases filed for 2009.  With the softening real estate market and struggling economy, San Diego is likely to have a higher increase in bankruptcy filings than most other bankruptcy courts across the Nation.  If you are experiencing financial difficulties, you are not alone. Stay tuned, more on this blog to be published soon. Written by Michael G. Doan- Michael Doan is a member of the Doan Law Firm, which consists of Chula Vista Bankruptcy Attorney locations, Escondido Bankruptcy Attorney locations, La Mesa Bankruptcy Attorney locations, and San Diego Bankruptcy Attorney locations…just to

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I Got My Bankruptcy Discharge, But Still Cant Open A Bank Account.

Debtors frequently complain that they still can not get a new bank account, even though they received their bankruptcy discharge.  This is primarily due to check reporting companies such as ChexSystems, Telecheck, and SCAN.  But with a few simple steps, you can probably get a new bank account in 60 days, and/or, set up FCRA violations against the reporting agencies and Banks.  Stay tuned, more on this blog to be published soon. Written by Michael G. Doan– Michael Doan is a member of the Doan Law Firm, which consists of Chula Vista Bankruptcy Attorney locations, Escondido Bankruptcy Attorney locations, La Mesa Bankruptcy

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Helping Families Save Their Homes in Bankruptcy Act of 2009

Congress just recently introduced legislation, which if passed, will allow homeowners to renegotiate their home loans without the consent of the lender.  This new legislation under Title 11 is court ordered and there is very little a lender can do to oppose it.  Essentially, it would allow a mortgage to be rewritten as follows: 1) Principal balance reduced to fair market value of the property; 2) Interest rates reduced to a reasonable rate; and 3) Term of loan spread over up to 40 years. SO, HERE’S WHAT YOU CAN DO TO HELP TODAY – contact your Congressperson and tell them that

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Nation Guard or Military Reserve? NO MEANS TESTING!

Good news.  Legislation enacted December 19, 2008, has recently exempted most National Guard and Military Reserve from the means testing requirements in filing for bankruptcy protection!  Stay tuned, more on this blog to be published soon. Written by Michael G. Doan– Owner of the Carlsbad Bankruptcy Attorney office, Michael not only manages his business, but is also a highly skilled San Diego Bankruptcy Attorney with over 17 years of experience. He specializes in many fields, such as: insolvency, bankruptcy, consumer rights, debt negotiation, creditor collection abuse, estate planning, contracts, real estate, and tax. Michael is currently concentrating his practice solely in Bankruptcy

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I Received My Bankruptcy Discharge, Now What?

  Congratulations! If you received a“discharge of debtor” notice from the bankruptcy court your bankruptcy case was a success.  Your discharge document, usually consisting of just a page, is the most important document you willeverreceive from the bankruptcy court, safeguard it as you would a birth certificate, passport, or social security card! Most Chapter 7 cases will result in a discharge 3-4 months after the case was filed. Chapter 13 cases will be discharged after you complete your plan, provided you have notreceiveda prior discharge recently (depend on when the prior case was filed and chapter filed under) which would prevent you fromreceiving a new discharge. 

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Got Note? In California, You Simply Can Not Foreclose Unless You Possess the Note!

I am amazed at all the foreclosures taking place in California in complete ignorance of the most basic and fundamental laws of any foreclosure proceeding under California Law.  Everyone seems to just jump straight into the Article 9 security interest issues, entirely skipping its genesis in the Article 3 enforceability issues of the underlying note.  Indeed, a local federal judge even said recently to our firm, “Counsel, this is an article 9 issue, not an article 3 issue.”  Huh?  YOU CANT GET TO ARTICLE 9 UNTIL YOU FIRST PASS ARTICLE 3!!!!!! This just goes to show the ignorance of well educated

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Bankruptcy Relief of Stay: What Is Required?

Most courts routinely grant relief of stay with little showing by the moving party.  Nevertheless, all parties requesting relief of stay should be required to meet both the substantive and procedural requirements in moving for relief of stay.  Stay tuned, more on this blog to be published soon. Written by Michael G. Doan– Michael Doan is a member of the Doan Law Firm, which consists of Chula Vista Bankruptcy Attorney locations, Escondido Bankruptcy Attorney locations, La Mesa Bankruptcy Attorney locations, and San Diego Bankruptcy Attorney locations…just to name a few. Presently, Michael is concentrating his practice solely in Bankruptcy Law and is a

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Possible New Bankruptcy Laws to Require Mortgage Modification?

Over the past two weeks, new legislation has been introduced into both the Senate and House which would allow mortgages to be modified on personal residences.  Such new sweeping bankruptcy reform would drastically change current laws which presently only provide for modification of junior mortgages.  Stay tuned, more on this blog to be published soon. Written by Michael G. Doan– Michael Doan is a member of the Doan Law Firm, which consists of Chula Vista Bankruptcy Attorney locations, Escondido Bankruptcy Attorney locations, La Mesa Bankruptcy Attorney locations, and San Diego Bankruptcy Attorney locations…just to name a few. Presently, Michael is concentrating his

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    San Diego Bankruptcy | Orange County Bankruptcy | Inland Empire Bankruptcy

    Overwhelmed with bills and creditors harassing you? Now is the time to get started on the road toward financial freedom!

    The Doan Law Firm is one of the largest family of San Diego Bankruptcy Attorneys and we will help you achieve a fresh financial start. From the moment we meet, you are protected from creditors, while your bankruptcy case is being prepared, or other non-bankruptcy alternatives are put into place. We are here to help you immediately!

    Schedule a free consultation with one of our San Diego Bankruptcy Attorneys today and get started on the road to a debt-free life.

    Chapter 7 | Chapter 13 | Chapter 20 Combo

    By working with one of Doan Law Firm’s San Diego Bankruptcy Attorneys toward filing a Chapter 7, Chapter 13, or even a Chapter 20 Combo, you can rest assured you are getting the best service and results, at the most affordable and guaranteed price. Our Bankruptcy Lawyers will assist you in determining which chapter is right for you, and guide you through the complex Bankruptcy Code of Title 11. To ensure your case runs as smoothly and simply as possible. Since Doan Law Firm has one of only fourteen Board- Certified Bankruptcy Specialists in Consumer Bankruptcy Law, by the American Board of Certification, in the State of California, you can sleep soundly knowing your case will process smoothly. And your assets will be protected, and your debts eliminated.

    Get started today, and stop the harassment from creditors. Unlike most firms that do nothing upon being retained, and unlike the few that take limited defensive measures. At Doan Law Firm we take the offense and actually reverse the playing field, and go after your creditors. Wherein many of our clients actually receive free bankruptcies, and money in their pockets. Creditor harassment and abuse immediately terminates State and Federal Laws are immediately invoked. Lawsuits and counter lawsuits are filed from our quiver of offensive maneuvers, to protect your rights, that creditors and debt buyers do not want you to know about

    Bankruptcy Alternatives

    Interested in pursuing a settlement outside of Bankruptcy Court, or are you looking for some extra legal advice? We offer many bankruptcy alternatives that help you with debt relief.

    At Doan Law Firm, a San Diego Bankruptcy Attorney can determine what non-bankruptcy alternative is right for you. Including debt settlement, collection defense, short sales, mortgage modification, and RFDCPA/TCPA Lawsuits. Our arsenal of non-bankruptcy alternatives may be just what you need, without the need to file for Chapter 7 or Chapter 13 relief. With a Doan Law Bankruptcy Attorney on your side, you instantly retain Doan Law Firm‘s leverage, credibility, and reputation to achieve the best results for your particular needs.

    Post-Bankruptcy Filing Assistance

    We do not stop once your case has been filed and is finalized. The debt relief lawyers of Doan Law Firm are available to help you get back on the right track financially. Even after your debt has been reduced or eliminated. We offer credit counseling and credit repair, after discharge and case closure. To help you get back on solid financial ground with an improved credit score. In most cases, our clients have a better credit and FICO score after retaining us than before.

    File Bankruptcy Online From Home

    Can’t make it in to a Doan Law Firm office location? No worries! Doan Law Firm utilizes the latest state-of-the-art technology, making it easier than ever to file bankruptcy online from the convenience of your home. Many of our busy or home-bound clients complete 100% of their interaction with us over the phone, internet, and mail, without a single compromise. The only place they need to go is to their meeting of creditors.