Malcolm Ruthven

4040 Civic Center Dr. Suite 200
San Rafael, CA 94903, United States
Phone: 415-342-4666
Fax: 415-869-6645
Areas of Practice
  • Bankruptcy

How Often Can I File Bankruptcy?

I'm often asked if someone can file bankruptcy if they've done that before, or how often they can file bankruptcy. You can actually file bankruptcy at any time, but you won't get rid of ("discharge") your debts unless you meet…more
 /  Bankruptcy

Will bankruptcy stop a foreclosure?

"My house is about to be foreclosed. Will bankruptcy stop that?" I'm often asked that question. The answer is probably "yes", but let's look at a "no" answer first…more
 /  Bankruptcy, Real Estate - Residential

Bankruptcy Might Save Your Life

A study found that the bankruptcy code is an incredibly effective social insurance policy. See more..…more
 /  Bankruptcy

Can I get rid of payday loans by filing bankruptcy?

I'm often asked if someone can get rid of payday loans by filing bankruptcy. Let's take a look at this…more
 /  Bankruptcy

What are Bankruptcy Exemptions and why are they important?

During my first consultation with new people, I explain this very important subject of "exemptions". Let's see what exemptions are and why they're important…more
 /  Bankruptcy

File bankruptcy without a lawyer? Only at your peril!

Some people file bankruptcy without an experienced bankruptcy lawyer. What are they risking? Let's take a good look…more
 /  Bankruptcy

Why NOT to reaffirm a mortgage in bankruptcy!

More than one past client has called me to complain that their mortgage holder wasn't reporting their house mortgage payments to credit reporting agencies, and would not unless they reaffirmed their mortgage loan. What's that…more
 /  Bankruptcy, Finance & Banking, Real Estate - Residential

What's the kind of bankruptcy where you don't have to pay for your house and your car?

Someone asked that recently, saying that's the kind they wanted. Sorry, but there isn't a bankruptcy like that. If you don't make the payments on your house or car, bankruptcy or not, you'll lose that house or car. BUT, read on…more
 /  Bankruptcy

Bankruptcy May Improve Your Credit Score!

Bankruptcy improve your credit score? Are you kidding me? Not at all. Let's take a look at some reasons that filing bankruptcy might improve your credit score…more
 /  Bankruptcy

Feeling shame for needing to file bankruptcy? Listen to Leonard Cohen.

Are you feeling shame for needing to file bankruptcy? I suggest we all take a page from the late genius poet and songwriter Leonard Cohen…more
 /  Bankruptcy

Getting collection calls about old debts? Be very careful!

If you get collection calls about old debts, be very careful. Why? Let's take a look at this..…more
 /  Bankruptcy

3 Things To Understand About Filing Bankruptcy

OK, you want to file bankruptcy. Here are three basic things you should understand about the process…more
 /  Bankruptcy

About to have your car repoed? Consider bankruptcy!

Are you behind on your car payments and afraid your car will be repoed? Consider bankruptcy!…more
 /  Bankruptcy, Finance & Banking

Divorce, property settlements, and bankruptcy (#3)

Planning to get a divorce? Consider what might happen if your ex-spouse files bankruptcy. If you don't, you might be in for a big (and bad) surprise. What's the problem? Aren't amounts owed under a marital settlement…more
 /  Bankruptcy, Family Law

Will I lose my retirement accounts if I file bankruptcy?

I'm often asked if someone will lose their retirement accounts if they file bankruptcy. The short answer is almost certainly not. Let's take a look at why that's so…more
 /  Bankruptcy, Wills, Trusts, & Estate Planning
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