We are here to protect you from creditor harassment. As soon as you retain our representation, you can rest assured that no more creditors will be legally able to contact you.
Michael Doan, Bankruptcy Attorney.
Certified Bankruptcy Specialist, C.B.L.
American Board of Certification
One of the ultimate goals for a bankruptcy practitioner is to obtain a “fresh start” for their debtor clients through a bankruptcy discharge. Sometimes that fresh start is frustrated by creditors who continue to report negative entries to credit reporting agencies for debts already discharged in bankruptcy. The frustration is magnified when credit reporting agencies do not correct the error.
It is not uncommon that we see numerous lawsuits in our Bankruptcy and Bankruptcy Alternatives Practice. The bigger problems arise when Debtors ignore these lawsuits and they escalate. If a responsive pleading is not filed within 30 days, the creditor will request the Court to enter default, and your wages and assets will be at immediate risk.
Has a creditor ever added charges to your account, without your permission, or sent a bill for merchandise never order or services rendered? If so you need to know your rights under the Electronic Funds Transfer Act (“EFTA”). If you suspect, there has been an unauthorized transactions on your bank account, you have rights, but the time frame is limited. Under the EFTA, you must write or call the bank immediately, but no later than (60) days from the date of the statement reflecting the unauthorized charge. Your bank has a duty to investigate and promptly correct any unauthorized transactions
HAVE YOU BEEN SUED BY A DEBT BUYER, NOT YOUR ORIGINAL CREDITOR? MAKE SURE THEY REALLY HAVE THE RIGHT TO COLLECT THE DEBT AGAINST YOU In the context of debt collection and debt collection lawsuits, a “debt buyer,” sometimes also referred to as a “bottom feeder,” can be a company, individual, or even a law firm who buys charged-off debt. Usually, these accounts are purchased by junk debt buyer for pennies on the dollar from the original lender who wrote off the debt as a loss and tax deduction. The debt buyer then turns around and attempts to collect
The short answer is community debt will be discharged but not the non-filing spouse’s individual debt. Yet, it is not uncommon for only one spouse to file for Bankruptcy Protection. This frequently takes place where the other spouse has very little debt, is simply an authorized user on the account, or only has community debt. For instance, if $45,000 is owed by one spouse and only $3,000 by the other, it often makes sense only for one of the spouses to file and the other to keep the $3,000 in debt for Credit Reasons. The Bankruptcy Estate of an individual
If you have recently been denied a Bank account, chances are you are being reported by ChexSystems. The ChexSystems, Inc. network is comprised of member Financial Institutions that regularly contribute information on mishandled checking and savings accounts to a central location. ChexSystems shares this information among member institutions to help them assess the risk of opening new accounts. ChexSystems only shares information with the member institutions and does not decide on new account openings.
If you have recently been denied a Bank account, chances are you are being reported by ChexSystems. The ChexSystems, Inc. network is comprised of member Financial Institutions that regularly contribute information on mishandled checking and savings accounts to a central location. ChexSystems shares this information among member institutions to help them assess the risk of opening new accounts. ChexSystems only shares information with the member institutions and does not decide on new account openings.
Once discharge is entered and you are on your way to starting your financial fresh start, you need to regularly check your credit report. In a recent report, the Federal Trade Commission (“FTC”) found that one in four people who participated in the survey spotted errors on their credit reports that might adversely affect their credit scores. A credit report includes information about where you live, how you pay your bills, and whether you’ve been sued or arrested or have filed for bankruptcy. Creditors, insurers, employers and others use that information when they consider your applications for credit, insurance, employment, or
Did you Know your Personal Financial Information Can Be Sold by Credit Reporting Agencies? Most consumers have no idea that the major credit reporting agencies, Equifax, Experian, Innvois and Transunion, are selling and sharing their private financial information. Each of the major credit bureaus has over 200 million files. Credit reporting agencies can sell your personal information (including unlisted phone number, credit score, current debt, debt history, property information, age, gender and estimated income) to debt collectors and financial services companies. This make it easier for them to find out more about you, your spending habits and credit worthiness. This
Student Loans are presently near One Trillion Dollars! Americans now have more student loan debt than credit card debt! Additionally, student loan debt default rates are now higher than the default rates for other debt. The current default rate (more than 90 days behind) is presently 11%! So what do you do if you have student loans? There are many options depending on the type of student loan you have (Federal, State, School Provided, and Private).
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.
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
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.
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.
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.
Doan Law Firm
1930 S Coast Hwy #206
Oceanside, CA 92054
Phone: (760) 450-3333
Phone: (760)-845-5026
Doan Law Firm
312 S Juniper #101
Escondido, CA 92025
Phone: (760) 746-4476
Fax: (760) 746-4436
Doan Law Firm
4817 Palm Ave.
Suite C
La Mesa, CA 91942
Phone: (760)-746-44766
Doan Law Firm
185 West F Street,
Suite 100
San Diego CA 92101
Phone: (760)-845-5026
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