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  • The Fuller Law Firm, PC Obtains Dismissal of Heritage Pacific Fraud Claim

    The Fuller Law Firm, PC has obtained the dismissal for one of its clients of a fraud claim brought by Heritage Pacific Financial LLC. Under the settlement, Heritage Pacific will dismiss its claim and the client will pay nothing to Heritage Pacific. Heritage Pacific Financial LLC is an entity out of Texas that has been buying up second mortgages that other lenders have given up on as uncollectible ...
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  • Automobile Title Loans

    Surveys indicate that many consumers are using automobile title loans to raise financing. Typically, a consumer who owns a paid-off car hands over the title on the car to a lender, and in return, receives a high interest loan. The loan term can be a short as a month, or as long as two or three years. Unfortunately, automobile title loans, or motor vehicle equity lines of credit, are often extended ...
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  • Will Bankruptcy Wipe Out All My Debts?

    Bankruptcy is probably the easiest and most straight-forward way that someone needing a financial do-over can be freed of his debts. Filing for bankruptcy will allow many debts to be discharged and the debtor can begin rebuilding his financial future from that point forward. However, not all debts are discharged in bankruptcy. Furthermore, Chapters 7 and 13 treat some debts differently. If you are ...
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  • Restoring Your Credit

    Restoring Your Credit (Bankruptcy) When an individual falls behind on credit card payments, is unable to keep up with a mortgage or neglects to fulfill other financial obligations, it obviously will have a negative impact on a credit score. If you have recently filed for bankruptcy, you may be wondering what steps you can take to help restore your credit. The Fuller Law Firm, PC is a full-service ...
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  • Who Can Find Out I Filed Bankruptcy?

    Who Can Find Out I Filed Bankruptcy? As soon as you file for bankruptcy it becomes a matter of public record. A bankruptcy will remain on your credit report for up to 10 years from the date you file. Potential creditors and lenders will be able to find out that you filed for bankruptcy in the past any time you apply for a loan or attempt to obtain any credit. Your employer may become aware of your ...
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  • What is a "Chapter 20" bankruptcy?

    What is a "Chapter 20" Bankruptcy? Chapter 7 and Chapter 13 are the two most common forms of bankruptcy filed by individuals who need a fresh financial start. If you are considering bankruptcy, it is important you understand there are instances when filing Chapter 7 or Chapter 13 may not bring about the level of debt relief you anticipated. In cases such as this, filing for Chapter 13 immediately ...
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  • What Are The Restrictions On Multiple Bankruptcy Filings?

    As there are certain eligibility qualifications which must be met before an individual can seek bankruptcy protection a second or subsequent time, it is important you understand the restrictions on multiple bankruptcy filings. Time restrictions on subsequent bankruptcy filings depend largely on whether you received a discharge of debt in your previous bankruptcy. If you did not receive a ...
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  • How to Put an End to Creditor Harassment

    When an individual has fallen behind on credit card payments, mortgage payments, and other financial obligations, the last thing he or she wants to deal with is harassment from creditors. You are well aware of the fact that you have been unable to pay your bills. You understand that extra charges, penalties and fees will be assessed if you do not pay on time. You also know that a failure to keep ...
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  • Can Bankruptcy Be Used as an Effective Foreclosure Defense?

    After investing so much time and money into your home, the last thing you want to do is lose it to foreclosure. If your lender has informed you that you could be facing foreclosure or you have already received notification that foreclosure on your property is imminent, you need to act quickly. The Fuller Law Firm, PC has helped countless individuals avoid losing their homes to foreclosure, simply ...
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  • Will My Credit Be Ruined Forever?

    One of the most common questions asked by individuals who are wondering whether bankruptcy may be right for them is whether their credit will be ruined forever. While there is no question that bankruptcy will have a significant impact on your credit score, the magnitude of the impact will depend greatly on what your credit score was at the time of filing. What many people may not realize is that ...
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  • How Long Does Bankruptcy Take?

    If you are considering filing for bankruptcy, you may be wondering how long it will take to get through the bankruptcy process and obtain the discharge of your eligible debts. The type of bankruptcy you file will have a direct impact on the length of time required to complete the bankruptcy process. A Chapter 7 bankruptcy generally takes between 3-6 months, while a Chapter 13 bankruptcy will last ...
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  • STUDENT LOANS AND BANKRUPTCY RELIEF

    Student Debt burden among the Bay Area population With over one trillion dollars of student loans outstanding nationwide as of 2013, student debt has now outpaced credit card debt in the U.S.. Many college graduates find themselves overwhelmed with debt. This is particularly true in the San Francisco and San Jose area, where there is a large presence of college-educated professionals who are ...
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  • LAWSUITS, BANKRUPTCY, AND INSURANCE COVERAGE

    Lawsuits and insurance coverage One of the reasons many of our clients seek bankruptcy advice is to obtain relief from lawsuits. In many instances, an individual or business has some insurance coverage that may help pay for fighting the lawsuit. For example, all of us in California must carry automobile liability insurance. Many professionals – such as real estate agents, doctors, lawyers, ...
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  • EQUIPMENT LEASE HORROR STORIES

    If you are a small business owner, and are thinking of signing an equipment lease, we advise you to carefully read the lease fine print, or discuss it with an attorney. Equipment leases are extremely complicated. Furthermore, because these contracts relate to business, rather than consumer items, they are not covered by many of the consumer protection laws. Since 1989, the attorneys in our firm ...
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  • LIEN STRIP BASICS AND THE EVOLVING LAW ON "CHAPTER 20"

    With the advent of the housing crisis, many homeowners find themselves owing a great deal more on their property than it is worth. Under the right facts, a “lien strip” can provide relief to such homeowners. Lien strips are not allowed in Chapter 7 bankruptcy. [1] However, despite language in 11 U.S.C. §1322(b)(2) which precludes the modification of a claim secured only by a security interest in ...
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