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Collection Agency Abuse

By Estate Planning Attorney Eric Ridley | May 22, 2011

Collection agencies are subject to a wide range of restrictions, many of which you might not be aware. Violations of these, whether you are in bankruptcy or not, may subject the collector to a fine, which can be as large as $1,000 per violation. Also, it is often possible for clients to recover attorney fees…

The Truth About Debt Negotiation Companies

By Estate Planning Attorney Eric Ridley | Apr 6, 2011

Is Debt Settlement a Scam? Avoid Scammy Settlement Programs Debt Settlement programs are usually quite more expensive than people expect. I have client after client come to me after they have been enrolled with a debt negotiation company for one or two years, paying $500/month or more. One day they open their statement and see…

Will My Bankruptcy Filing Ruin My Credit Score?

By Estate Planning Attorney Eric Ridley | Mar 14, 2011

This is one of those questions that I receive often from my chapter 7, chapter 11 and chapter 13 bankruptcy clients. It’s a reasonable question, and one that is furthered by attorneys every day, who tell their clients that their credit score will be damaged and that the client will be unable to obtain credit…

Can My Corporate Veil Be Pierced?

By Estate Planning Attorney Eric Ridley | Feb 12, 2011

Gina Bongiovi is a Las Vegas small business attorney. She recently wrote this excellent post on the dangers of guaranteeing contracts for your small business: A few weeks ago I wrote about the concept of piercing the corporate veil.  I received an e-mail asking what happens when someone breaches a contract he signed that included…

California Traffic Ticket Amnesty

By Estate Planning Attorney Eric Ridley | Jan 7, 2011

This is a good deal, if you’ve got unpaid traffic tickets. California Superior Courts in all 58 counties are offering a 50% off discount on some old unpaid traffic tickets. It’s a limited time “Amnesty Program” for certain outstanding court debt. More that 6 million cases statewide could qualify. “This is a win‐win,” according to…

Debt Negotiation Companies

By Estate Planning Attorney Eric Ridley | Dec 12, 2010

Have you been taken advantage of by a debt negotiation company? Don’t feel bad, thousands of others have, as well. These “debt negotiation” or “debt reduction” predators typically sign you up for huge up-front fees, promising that they will reduce your credit card debt by up to 50%. How? They tell you to stop paying…

I Can’t File For Bankruptcy – I’ll Lose My House (Car, Boat, Etc.)!

By Estate Planning Attorney Eric Ridley | Nov 22, 2010

I wish I had written this, but bankruptcy attorney Laura Mann beat me to it. Please see her website for great bankruptcy information. I can’t file for bankruptcy – I’ll lose my house (car, boat, etc.)! This has got to be the #1 misconception I hear on an almost daily basis from people. They often…

Why Maria Shriver Went To The Press

By Estate Planning Attorney Eric Ridley | Oct 4, 2010

My friend, and divorce attorney, Randi Susan Klein, just wrote this very insightful comment on her blog: California is a “no fault” divorce state. That means that a California judge will not listen to arguments about the fact that your ex had extramarital affairs. In fact, you could be sanctioned and ordered to pay a fine…

13 Reasons To File Chapter 13

By Estate Planning Attorney Eric Ridley | Sep 3, 2010

There are many differences between these two types of bankruptcies and many reasons to pick one over the other. Here is my list of 13 reasons that a Chapter 13 might be the right choice: Flexibility: you can dismiss the case at any time or even convert it to a Chapter 7. You can modify…

Will I Lose My House In Bankruptcy?

By Estate Planning Attorney Eric Ridley | Aug 24, 2010

As a Ventura bankruptcy lawyer, I help a lot of people through the Chapter 7 and Chapter 13 bankruptcy process. This is perhaps the single most common question I’m asked. It makes sense. Your home is more than drywall and a kitchen. It’s the place you raise your kids, it’s where your family memories are made.…

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