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Garcia & Gonzales, P.C

8 Tips for Fixing Your Credit Rating Following Bankruptcy – Part 2

In Part 1 of this series on tips for fixing your credit rating after a bankruptcy, we talked about the first steps to take to get your financial affairs back in order. Building your credit back up, as we discussed, involved gathering your credit reports, disputing negative comments and errors on your credit reports, and using kindness to your advantage to try and get negative credit report remarks removed, and jumping back into using credit cards.

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Garcia & Gonzales, P.C

8 Tips for Fixing Your Credit Rating Following Bankruptcy – Part 1

So, upon the advice of your legal advisors, family, or friends, you wiped the slate clean and filed bankruptcy. Now, you are wondering what to do next after the dust has settled on your financial life. Maybe you’re young and you made some mistakes, or you made some bad business decision, but now you plan to come back stronger than ever.

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Garcia & Gonzales, P.C

The Supreme Court Updates Bankruptcy Rules

Last year, the Supreme Court approved several changes to bankruptcy results surrounding the administration of consumer bankruptcy cases as well as Chapter 13 cases. It took Congress’s rules committee several years to draft and debate the rule amendments, which took effect Dec. 1, 2017.

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Garcia & Gonzales, P.C.

7 Things You Should Know Before Filing for Bankruptcy

Every one of us knows a company that we’ve liked or enjoyed the services of that have gone bankrupt. Here’s a quick historical list of the 10 biggest American companies that have filed for Chapter 11 bankruptcy in the last two decades...

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Garcia & Gonzales, P.C.

Bankruptcy Planning 101: 6 Things to Do before Filing for Bankruptcy

When bankruptcy is your best option for resolving major debt issues, what you do in the planning phase – before you file your bankruptcy petition – can be critical to how smoothly your future case proceeds. It could also impact how your case ends up being resolved and how much money and time you have to spend to reach that resolution.

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Garcia & Gonzales, P.C.

6 Money Mistakes that Can Lead to Bankruptcy

Serious debt issues can arise when finances are mismanaged. Although there can be a lot of factors that contribute to people’s financial decisions and possibly their debt, however, the following are some of the most common and costly money mistakes that can exacerbate any financial situation.

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Garcia & Gonzales, P.C.

Your Rights & the FDCPA: When to Report Abusive Debt Collection Practices to the FTC

When debt gets out of control and people have problems making their payments on time, creditors and debt collectors will usually reach out to consumers, trying to get them to resume payments. Just how and when this contact is made, however, is governed by the Fair Debt Collection Practices Act (FDCPA), a federal statute that specifically prohibits a number of “abusive” debt collection practices.

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