Entries by Attorney Rick Morin

Lien Removal After Bankruptcy

Lien removal after bankruptcy is a complicated, but important subject. Debtors often discover liens after bankrutpcy. What can a debtor do to get rid of these liens? It depends! Read on for more information. Abstracts of Judgment A creditor can only obtain a judgment against a borrower if the borrower defaults on their debt. A creditor […]

SMUD Collection Defense

Have you recently received a Sacramento Municipal Utility District (“SMUD”) bill for substantially more than you usually owe? If SMUD is alleging that you owe them many thousands of dollars out of the blue, this may be the beginning of a serious legal matter. I have seen clients with SMUD bills in excess of $100,000 […]

Bankruptcy Official Form 423

Did you receive Bankruptcy Official Form 423? Not sure what to do with it? Read on to learn more about this important bankruptcy form. Bankruptcy Courses If you are on the receiving end of Bankruptcy Official Form 423, then it is safe to say that you are in the middle of a bankruptcy. The law requires […]

Sued by Wells Fargo?

Wells Fargo is one the largest banks in America. Because of their size, Wells Fargo is also one of the largest consumer lenders around. What happens when a consumer stops making payments on a Fargo debt? Read on to find out more. Debt Defaults When a person stops paying a debt, we say that they […]

Partial Relief for Student Loans in Bankruptcy

You probably already know that most student loans survive bankruptcy. What you may not know is that there still is some hope for relief in bankruptcy. Read on to learn more. Educational Loans are Tough to Discharge in Bankruptcy The general rule that most people know is that student loans typically survive a bankruptcy. In other […]

Is Child Support Dischargeable in Bankruptcy?

Bankruptcy is an incredibly useful tool for eliminating debt. However, some debts are not excusable in bankruptcy. Did you know that one such debt is child support? Courts Treat Child Support Differently in Bankruptcy The bankruptcy code defines child support (also known as a Domestic Support Obligation, or DSO) as an automatically non-dischargeable debt. This […]

How to Amend Your Bankruptcy

Have you ever wondered how to amend your bankruptcy case? Read on to learn more about this important subject. Bankruptcy Amendments From time to time you may need to amend your bankruptcy case. You may have forgotten about a creditor or failed to list an asset. Perhaps your bankruptcy trustee has pointed out an error […]

Where is the Bankruptcy Court Sacramento?

There are quite a few courthouses in Sacramento. But where is the Bankruptcy Court Sacramento? Read on to find out more. Bankruptcy is Federal Law Most people do not realize that bankruptcy is a federal legal proceeding. In fact, this means that federal law governs all bankruptcy cases. This is the reason that you will not find […]

Bankruptcy Timeline in Sacramento

Most bankruptcy filers are apprehensive about how long their case will last. The good news is that the bankruptcy timeline in Sacramento is probably quicker than you think! Read on to learn more about the timelines for a typical Sacramento Chapter 7 Bankruptcy. The Clock Starts Ticking Once Your Case is Filed Bankruptcy officially starts […]