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Collection Abuses, Creditor Harassment Suits.

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.

Options for Bankruptcy

Michael Doan, Bankruptcy Attorney.
Certified Bankruptcy Specialist, C.B.L.
American Board of Certification

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DOAN LAW BANKRUPTCY NEWS

BEWARE OF LAWSUITS FILED BY DEBT BUYERS!

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

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DOES AN INDIVIDUAL BANKRUPTCY DISCHARGE ALL MARITAL DEBTS IN CALIFORNIA?

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

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Recently Denied a Bank Account?

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.

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Have You Recently Been Denied A Bank Account?

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.

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A Recent Federal Trade Commission Report Reveals 25% of Consumers Found Errors on Their Credit Report

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

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Personal Financial Information Sold to Third Parties?

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

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DO YOU NEED STUDENT LOAN RELIEF?

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).

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HOA FEES AND BANKRUPTCY

Homeowners are often surprised to find out they are still liable for certain HOA fees on property they surrendered in Bankruptcy.  The surprise is justified though in light of the whacky Bankruptcy Laws concerning the same that were passed in 2005.  Bankruptcy Code 11 USC 523a(16) provides that bankruptcy does not discharge a debt:   (16) for a fee or assessment that becomes due and payable after the order for relief to a membership association with respect to the debtor’s interest in a unit that has condominium ownership, in a share of a cooperative corporation, or a lot in a

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PROTECT YOUR IDENTITY

  Identity theft happens when someone steals your personal information and uses it without your permission. It is a serious crime that can wreak havoc on your finances and credit history. If you have unfamiliar accounts or charges on your credit report, you may be a victim of identity theft. If your identity is stolen, you need to immediately: (1) place an initial fraud alert with all three credit reporting bureaus, Transunion, Equifax and Experian.  (2) Order your credit report and review for unfamiliar or unauthorized accounts (3) Create an identity theft report by submitting a complaint to the Federal

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Receive $5000 to $30,000 in a Short Sale from Bank of America?

Receive $5000 to $30,000 in a Short Sale from Bank of America? At Doan Law, we have advocated short sales for all our clients intending on surrenduring their property.  We have identified 10 reasons for this which can be found on our website.   And now there is an 11th reason.  If your lender is Bank of American, you may qualify for $5000 to $30,000 in relocation assistance in conjunction with a short sale.   For more information on this, please contact us and we will put you in contact with our Short Sale Expert, Alan Shafran. Here is the

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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.