Malcolm Ruthven

4040 Civic Center Dr. Suite 200
San Rafael, CA 94903, United States

  • 415-342-4666
  • 415-869-6645

HOA dues still pile up after filing bankruptcy. What to do?

If you own a condo and pay HOA dues, filing bankruptcy eliminates back HOA dues incurred before filing, but not those dues charged after filing. What to do?…more
| Bankruptcy, Real Estate - Residential

I owe too much money to file bankruptcy. Wrong!

Why do some people think this is true? After all, you read about large corporations that owe many millions filing bankruptcy. Whatever the reason, it's just not true. Let's take a look as what is true..…more
| Bankruptcy

With my income, I'll have to file a Chapter 13 bankruptcy and pay all my debts. Wrong (probably)!

The truth about this is not simple. Let's take a look at it. If you make "too much" money, you might not be able to do a Chapter 7 bankruptcy, the one that gets rid of your debts quickly. The usual alternative is a Chapter 13…more
| Bankruptcy

Bankruptcy would take everything I own. Wrong!

I keep hearing this despite writing about it several times before So lets take another look at this myth…more
| Bankruptcy

Bankruptcy will ruin my credit for 10 years. Wrong!

Why am I writing about this again? Because I still hear it so often it seems like the word just isn't getting out there. What's the reality of filing bankruptcy and your credit rating?…more
| Bankruptcy

Do I make too much money to file bankruptcy?

The only good answer to that question is to tell you to consult with an experienced bankruptcy attorney in your area. That said, we'll explore a few guidelines that could be useful…more
| Bankruptcy

Beware this new type of credit card offer!

Can you spell "No Grace Period"? Pay the card in full on time, still get charged interest! What's that about?…more
| Bankruptcy, Consumer Protection

Financial problems? Use leverage, not muscle.

Most of us try to "muscle through" financial problems before we realize it just isn't working and we need another plan, one with leverage…more
| Bankruptcy

File bankruptcy having a joint bank account with my mother?

What happens to that joint bank account with your elder relative if you have to file bankruptcy? Let's take a look…more
| Bankruptcy

Rebuilding credit after bankruptcy - the short version

Many people ask me about rebuilding credit after bankruptcy. Here's a short-version answer with links to longer articles…more
| Bankruptcy

Expect to inherit? Got debts? Consider bankruptcy!

If you expect to inherit something of significant value, and you also have significant debts, bankruptcy might be a way to preserve that inheritance instead of having much or all of it go to your creditors. Let's take a look at…more
| Bankruptcy, Wills, Trusts, & Estate Planning

I filed bankruptcy before, so I can't do it again. Wrong!

Someone said that to me at a dinner party recently as if it ware an established fact. But the truth is that it's completely wrong. Let's look at the truth of about that…more
| Bankruptcy

If I file bankruptcy, I'll never have credit again. Wrong!

I often hear some version of this incorrect idea, so let's take a quick look and see what the reality is about having credit after filing bankruptcy…more
| Bankruptcy

Everyone will know I filed for bankruptcy. Wrong!

People interested in filing bankruptcy are often fearful that their neighbors and co-workers will find out. Let's take a look at what's so about that…more
| Bankruptcy

Congress pretty much eliminated bankruptcy in 2005. Wrong!

The rumor is still going around that Congress pretty much eliminated bankruptcy with the new bankruptcy laws of 2005. Nothing could be further from the truth. Let's take a look at what the truth is about bankruptcy after 2005…more
| Bankruptcy
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