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Author Archives: Michael J. Berger

Is it Possible to File for Bankruptcy a Second Time?

Bankruptcy can be a useful tool to shed overwhelming debt. Sometimes, filing bankruptcy lasts only as a temporary cure and you may need to file again if you find yourself in financial distress again. The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 (BAPCPA) permits you to file subsequent bankruptcy petitions without requiring you to […]

Do Creditors Need to File a Proof of Claim to Protect Their Rights to Property in a Chapter 7 Bankruptcy Proceeding?

The Proof of Claim helps preserve the rights of creditors by notifying all interested individuals involved in the bankruptcy proceedings that you intend to pursue a distribution from the bankruptcy estate. However, the form is not required in all cases. An experienced creditor’s rights lawyer in Los Angeles can help you determine when and if […]

Can Los Angeles Businesses File for Chapter 7 Bankruptcy Regardless of Size or Business Structure?

With the approval of the bankruptcy court, any business can file for Chapter 7 bankruptcy in Los Angeles or across the United States. And while business size and structure certainly affect the relative complexities behind a Chapter 7 filing, the overall principles and processes of liquidating any business are the basically the same. At one […]

How to File Bankruptcy and Keep Your Property

Bankruptcy offers a sound solution for emerging out of insurmountable debt. The thought of losing property during the bankruptcy process can be un-nerving for many people. With the advice of an experienced Los Angeles bankruptcy attorney your property can survive bankruptcy. When you file bankruptcy, all debts are divided into two categories: secured and unsecured. […]

California Homeowner Bill of Rights Takes Affect

Thanks to a new law foreclosure activity in California appears to be on the decline. This downward trend seems to coincide with the passage of the California Homeowner Bill of Rights (HBR) which took effect in January 2013. The legislature introduced HBR in response to the more than one million homes that went into foreclosure […]

What Are Bankruptcy Adversary Proceedings?

Anyone who fails to follow the conditions prescribed by the bankruptcy proceedings can face a bankruptcy trial to settle the matter. Creditors in Los Angeles might take legal action if they are not satisfied with the amount of debt to be repaid before discharge. Bankruptcy filers can also take legal action against creditors, as might […]

Can I Keep My Los Angeles Home in a Chapter 7 Bankruptcy Discharge?

As you might expect, the ability to stay in a home after filing a Chapter 7 bankruptcy varies based on many factors for homeowners in Los Angeles and throughout California. For some people, Chapter 13 might be a better option because it allows you to restructure the terms of your mortgage. However, if you own […]

Can You Rebuild your Credit with Bankruptcy?

Believe it or not your credit score may improve after you file for bankruptcy. Most people wait to file a bankruptcy petition after their credit score falls due to accumulated negative marks on your credit report, such as “unpaid,” “past due,” “charged-off”.  This is the type of debt that creditors consider unlikely to be collected. […]

What Are the Benefits of a Chapter 13 Bankruptcy?

Despite some common beliefs, it is often an unfortunate event, such as an illness – not overspending – that pushes people into bankruptcy. Chapter 13 has many benefits for those seeking relief by offering debtors a manageable debt repayment plan. With the right guidance, Chapter 13 filers regain control of their debt and make a […]

Bankruptcy Terms You Should Know

Sometimes an educated consumer can get confused with many of the terms associated with filing bankruptcy. Even more confusing to most people is the process of eliminating debt through bankruptcy. While bankruptcy aims to relieve individuals and business from debt stress, the rules can intimidate and discourage anyone at first glance. If you finances are […]


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