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Welcome to Our Blog

  • Renters And The Pandemic

    If you are a renter and have fallen behind on your rent payments, it is only a matter of time before your landlord will begin eviction proceedings against you. But don’t lose hope. You may have a remedy to stay in your home. If your rental arrangement is a lease, rather than month-to-month, and you have fallen behind on your lease payments, bankruptcy can help. You might be able to propose a ...
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  • Discharging Student Loans

    It is very difficult to discharge student loans in bankruptcy. But it is not impossible. A debtor needs to file a lawsuit, and show that paying back the student loans would impose an “ undue hardship .” These lawsuits are difficult and expensive. But if the case is strong enough, a good law firm can prevail. At Fuller Law Firm , we are prepared to represent debtors facing student loan problems . ...
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  • HB Funding and small business finance issues

    Small businesses often need short term cash flow assistance, but many do not qualify for conventional bank loans. One option used by many small businesses is sale of receivables. HB Funding is a financial institution that provides small business financing structured as sale of receivables. However, recently the bankruptcy court for the Northern District of California ruled that the standard sale ...
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  • Forbes Article: What All CFOs Should Know

    Lars Fuller was recently quoted in an article from Forbes about what all CFOs should know in advance of the incoming wave of bankruptcies. Also quoted was Judge Alan Jaroslovosky, a former Bankruptcy Judge for Northern District of California, who served on the bench from 1987 to 2017. He noted how bankruptcies surged after the 2008 crisis and that he expects something similar this year as a result ...
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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

    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 bankruptcy law firm that provides ...
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  • 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 bankruptcy filing if your wages had ...
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  • What is a "Chapter 20" bankruptcy?

    What Is A Chapter 20 Bankruptcy? If you have debt, there may be instances when filing Chapter 7 or Chapter 13 may not give the level of debt relief you anticipated. Filing for Chapter 13 immediately after a Chapter 7 discharge could be more beneficial. This type of filing is known as a Chapter 20 bankruptcy. Why File For Chapter 20? Filing for Chapter 13 immediately after a Chapter 7 discharge may ...
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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 discharge ...
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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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