Garnishments, Levies, Liens

Discharging Income Taxes in Bankruptcy

Bankruptcy filers can sometimes discharge (wipe out) debts for income taxes in bankruptcy. Several conditions must be met. The information below gives a starting point for determining if your taxes can be discharged. There are several additional criteria that must be met. To get started, you will need to order copies of your federal tax transcripts.  Order a transcript for each tax year you are trying to discharge. . . . . . . . . . . . . . .…

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How should I dispute inaccurate information on my credit report?

I found  incorrect information on my credit report. How do I correct it?  Do I notify the creditor? Do I notify the credit reporting bureaus (TransUnion, Equifax, Experian)? Answer:  Protections under the Fair Credit Reporting Act (FCRA)  are triggered when you notify the credit reporting bureaus of a disputed credit reporting item. This means you might need to notify a specific creditor that you dispute their reporting.  But beware the law of unintended consequences. In some cases, contacting the creditor can be a touchy situation because you…

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I’ve been sued by a debt buyer. What should I expect?

There are a few debt buyers in California who are responsible for thousands of suits each month. With this volume of cases, the “life cycle” of a typical collection lawsuit can be predicted to some extent.   Here is what you should expect. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . I.  SERVICE You will be served personally with some…

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I have a judgment against me. Can my spouse’s bank account or wages be garnished to pay my judgment (in California)?

The short answer is…YES, if the wages or bank account funds are considered “community property.” In California, the law presumes that any property acquired or wages earned during the marriage belong to both spouses, regardless of which spouse did the acquiring or the earning. Property subject to this presumption is called “California community property.” This means Spouse # 1  is  generally considered to  have a “community property interest” in the wages of Spouse # 2. California law allows a judgment…

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LOCATIONS

WOODLAND HILLS

5850 Canoga Avenue
Fourth Floor
Woodland Hills, CA 91367
FREE PARKING
(818) 284-4537

Phone hours:
Monday - Saturday, 8:00am - 6:00 pm

Office hours (by appointment):
Monday - Friday, 9:00am - 5:00pm

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VENTURA

1500 Palma Drive
Second Floor
Ventura, CA 93003
FREE PARKING
(805) 284-0760

Phone hours:
Monday - Saturday, 8:00am - 6:00 pm

Office hours (by appointment):
Monday - Saturday, 9:00am - 5:00pm

SERVICE AREAS
Bankruptcy Lawyer Karen Ware serves the following areas: Santa Barbara, Ventura, Oxnard, Camarillo, Santa Paula, Fillmore, Newbury Park, Thousand Oaks, Agoura, Calabasas, Woodland Hills, Encino, Sherman Oaks, Studio City, Burbank, North Hollywood, Los Angeles, California and surrounding areas.

11 U.S.C. 528(A)(4)

"We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code." This statement is required by 11 U.S.C. Section 528(a)(4). But, it does not state the full range of services our firm offers.

The State Bar of California has put out information to assist attorneys and community members affected by the recent California wildfires in Butte, Lake, Mendocino, Napa, Nevada, Sonoma and Yuba counties. There are free legal assistance hotlines, assistance for replacing lost documents, applying for federal aid, applying for unemployment, reporting scams, assistance for landlord-tenant disputes, etc. www.calbar.ca.gov/Public/Need-Legal-Help/Free-Legal-Help/Legal-Help-After-Disaster ...

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In Brace v. Speier (In re Brace), 566 B.R. 13 (9th Cir. BAP 2017), the United States Bankruptcy Appellate Panel of the Ninth Circuit (“BAP”) affirmed a ruling by the bankruptcy court holding that, where the avoidance of transfers of interests in real properties restored title to a married couple as joint tenants, California’s community property presumption (California Family Code § 760) prevailed over California’s record title presumption (California Evidence Code § 662). As a result, both the debtor’s and the non-debtor spouse’s interests in the recovered real properties were assets of the bankruptcy estate. ...

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