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Orange County Bankruptcy Blog

CAN I QUALIFY FOR CHAPTER 7 IF I FAIL THE MEANS TEST? YES!

Passing a difficult means test will be the topic for another blog post (for those that are over-median earners), but for the purposes of this post, I focus on those who presumably make too much money ...
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CHAPTER 13 REQUIREMENTS (NOT FOR THE INEXPERIENCED OR PRO SE DEBTOR)

Due Diligence, Voluntary Petition, Schedules, Exemptions, SOFA, 22C with POS, Plan with Notice of 341a and POS, Priority vs. nonpriority, Trustee fees, Classes of debt, RARA with POS, Tax and DSO Dec ...
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BANK LEVIES AND BANKRUPTCY

If you have recently been levied by a creditor then you know first-hand the nasty feeling of being attacked by surprise, sometimes without notice. In order for the creditor to have levied the money ...
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EXPERT REAL ESTATE SERVICES THROUGH BARRIOS & MACHADO

At Barrios & Machado, we are in the unique position to offer qualified and expert real estate services through our very own Maria Borrego-DiVito, Centurion Realtor - Century 21. Mrs. DiVito is an ...
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LOAN MODIFICATIONS AND BANKRUPTCY

Former NFL star, Mr. Eddie George, is set to lose his million-dollar home to foreclosure on June 7, 2012. For many months, Mr. George, through his accountant and agents (presumably all highly ...
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401K LOANS AND CHAPTER 13

Many debtors who file for bankruptcy protection under Chapter 13 do not understand how their 401K loans can affect them. Let's start with the following: 401K loans are debts that must be paid back ...
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SKELETON FILINGS (EMERGENCY BANKRUPTCY!)

Did you know you can file your bankruptcy any day and at any time? This is correct. If you are facing an emergency financial dilemma, you can prevent further damage by filing for bankruptcy relief and ...
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LARGE OR SMALL BK FIRM - WHICH IS BETTER?

At Barrios & Machado, it will always be our priority to see that all your questions and concerns are fully answered. We pride ourselves on the focused attention we deliver to each and every one of ...
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CHILD VISITATION & CUSTODY

DOING THE BEST FOR YOUR CHILDREN It is the right of all parents to be allowed to visit and maintain a relationship with their child regardless of the problems or issues the parents may have with each ...
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CHILDREN FIRST! CHILD SUPPORT AND FAMILY LAW

CHILD SUPPORT THE BEST FOR YOUR CHILDREN & FOR YOU It is the responsibility of both parents to care for their child regardless of whether or not the parents get along or have other children to ...
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DIVORCE & LEGAL SEPARATION

EASE THE TENSION OF DIVORCE AND SEPARATION A divorce is a very difficult process to go through. Having to go through it can make you feel lonely, angry; even purposeless. But you do not have to go ...
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FAIR ATTORNEY FEES

PAYING TO RETAIN YOUR ATTORNEY The issue of fees is probably one of the most important issues we face when retaining an attorney. If you can't pay for the service, it doesn't really matter how ...
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JUVENILE LAW (A TROUBLED KID NEEDS HELP!)

WHEN YOUR TEEN IS TROUBLED Barrios & Machado has experienced attorneys specializing in juvenile law. The court system in the juvenile arena isn't the same as the adult system and should not be ...
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RESTRAINING ORDERS

Restraining Orders For your peace of mind, a restraining order may need to be issued against a person who is putting your life in danger. Alternatively, a restraining order may need to be fought ...
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DUI DEFENSE

DUIs YOUR MISTAKE IS YOUR RESPONSIBILITY--YOUR DEFENSE IS OURS Barrios & Machado have many experienced attorneys who have handled hundreds of cases involving drunk driving. Whether this is your ...
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A PERSONAL NOTE FROM URSULA BARRIOS

LIFE, LIBERTY AND THE PURSUIT OF HAPPINESS--these are goals that are instilled in the hearts of each and every one of us. What can get in the way of these? DEBT. Debts and all that comes with them not ...
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HONORARIOS JUSTOS

RETENCION DE SU ABOGADO El asunto de honorarios es probablemente uno de los mas importantes cuando usted decide contratar a un abogado. Si no puede pagar por los servicio, no importa la calidad de ...
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BANCARROTA - UNA PALABRA PERSONAL DE PARTE DE URSULA BARRIOS

LA VIDA, LA LIBERTAD Y LA BUSQUEDA DE LA FELICIDAD--estos son ideales que todos nosotros tenemos cerca a nuestra corazón. A veces las DEUDAS pueden impedir que logremos llegar a dichos ideales. ...
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DECLARATION OF PRINCIPLES

To greet each client with a smile and the warmth that comes from a caring family law firm. To meet each client at their lowest point in an effort to build them up. To treat each client like we would ...
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SUPERIOR REPRESENTATION, FAST AND CHEAP!

How many attorneys do you know that will sit with you during your initial consultation and by the end of it have your case filed with the bankruptcy court? I personally do not know many, if any. At ...
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CHAPTER 7 - 341(a) MEETING OF CREDITORS - YOUR FIRST (AND GENERALLY) ONLY MEETING

One of debtors' fears when filing for bankruptcy is the fact that they must attend a hearing (sometimes in a courthouse, other times in an office building), but most find that the actual ...
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DEBT: MUST IT RULE YOUR WORLD?

Remember, if you will, a time when credit was issued by local vendors for the purchase of grains and meats or extended on the promise that crop and flock would suffice as adequate consideration. Most ...
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DEBTS INCURRED BY FRAUD AND BANKRUPTCY (ADVERSARY PROCEEDINGS)

It must be stated before starting that proving fraud in a court of law is a difficult proposition (notwithstanding the obvious) because the court must enter the heart and mind of the accused and ...
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DOES FILING FOR BANKRUPTCY MAKE ME A HIGH RISK TO NEW LENDERS AND CREDIT CARD COMPANIES?

Not necessarily. In fact, most lenders (including credit card companies) view post-bankruptcy applicants as low risks for the following reasons: 1) Once a debtor files for Chapter 7 relief and ...
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WILL FILING FOR BANKRUPTCY RUIN MY CREDIT SCORE?

The better question to ask for most people with debt is: does it make a true difference what the actual credit score is? In other words, when individuals have lots of debt, having a good credit rating ...
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Address: 723 West Chapman Ave. Orange, CA 92868 Phone: (714) 515-9696