Wage garnishment is a common problem for many Americans. It can be deflating to have your wages garnished. But you do have options to protect yourself. Wage garnishment happens when a court issues an order requiring your employer to withhold a portion of your paycheck...
For so many clients who have a lawyer assist them through the bankruptcy, once the bankruptcy process is complete, the client is left on their own to figure out how to rebuild their life after bankruptcy. We are so pleased to announce that Darcel Lobo, the owner and...
The one main question we get when people call in about bankruptcy is, how does bankruptcy work? If you are facing financial challenges, you may have thought about bankruptcy, but you do not know where to start. Unlike a Chapter 7 bankruptcy, where most debts are...
If you are in bankruptcy and are going to or have received a bankruptcy discharge, you are probably wondering, what now? While bankruptcy will affect your credit, you can have a fresh start. Your Chapter 7 bankruptcy may be reported for ten years from the date of...
If you or someone you know may be facing foreclosure, there are various options available to assist to avoid foreclosure, one of which may be a loan modification. A loan modification is a process of negotiation with your mortgage lender to revise the terms of your...
This overview of the Chapter 7 Bankruptcy process is general in nature, and each case may vary slightly. If you are considering filing for Chapter 7 Bankruptcy, attorney Darcel Lobo offers a free initial consultation to help you evaluate your options, and determine if...
For many clients we meet with regarding debts, one of the many questions is whether or not there are options aside from Chapter 7 or Chapter 13 bankruptcy. The good news is that yes, there are other options aside from Chapter 7 or Chapter 13 bankruptcy. At your...
We've heard from many clients that they think that their debt to the IRS can't be discharged in bankruptcy. Well, we are here to tell you that the IRS can be discharged, and we have helped many clients eliminate tax debt through bankruptcy. If you are facing tax debt...
Filing for bankruptcy can seem overwhelming. For most filers, the list of documents needed and the bankruptcy paperwork itself can seem daunting. With an experienced bankruptcy attorney assisting you, you can rest assured that nothing is missed and that you will have...
Many times are clients come to attorney Darcel Lobo for a bankruptcy when they are already being garnished by a creditor. Depending upon the type of garnishment, up to 25% of your wages can be garnished. Clients come to our office to stop that garnishment from...