Monthly Archives: September 2026
Can a Credit Card Company Put a Lien on Your California Home?
Credit card debt is usually unsecured. When someone opens a credit card account, the home is generally not pledged as collateral in the way it would be with a mortgage or home equity loan. Falling behind on payments does not, by itself, give the credit card company a lien against the property. A credit… Read More »
California’s Homeowner Bill of Rights and Foreclosure Protection
Falling behind on a mortgage can put a homeowner under pressure long before a foreclosure sale is scheduled. A financial setback may make it difficult to catch up while notices continue arriving from the mortgage servicer. At the same time, the homeowner may be submitting financial information and trying to find out whether a… Read More »
How Bankruptcy Affects Co-Signers and Guarantors on Your Debts
A co-signed loan often starts as an act of trust. A parent helps a child qualify for a car loan. A spouse signs on a personal loan. A friend agrees to help because the borrower promises to make every payment. When debt becomes unmanageable, that signature can pull the other person into the same… Read More »
Divorce Decrees vs. Bankruptcy Discharge: When Court Orders Still Control
Divorce and bankruptcy often meet at the worst possible time. A person may be trying to manage support payments, attorney’s fees, joint credit cards, mortgage arrears, car loans, or a property equalization payment while also dealing with collection calls and unaffordable monthly bills. When money is already tight, it can be hard to tell… Read More »