Malcolm Ruthven

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4040 Civic Center Dr. Suite 200
San Rafael, CA 94903, United States
Phone: 415-342-4666
Fax: 415-869-6645
Areas of Practice
  • Bankruptcy
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Am I liable for my spouse's debts in California?

I'm often asked if someone is liable for their husband's (or wife's) debts. The short answer is "No". Let's explore the rest of the answer…more
 /  Bankruptcy

Too much money to file bankruptcy? Here's how to fix that.

Are you in the fortunate situation of having too much money to file bankruptcy? Let's see how you can fix that…more
 /  Bankruptcy

If I file bankruptcy, will I lose the things I own?

The short answers are "probably not" and "it depends". Let's expand on those short answers…more
 /  Bankruptcy

Should I take a loan from my 401(k) to pay my credit cards?

Should I take a loan from my 401(k) to pay my credit cards? "NO", and let me count the reasons!…more
 /  Bankruptcy, Finance & Banking

Bankruptcy May Be Your First and Best Option

People often believe that filing bankruptcy is so bad that you should do it only as a last resort, but for many people nothing could be further from the truth. Why do I say that?…more
 /  Bankruptcy

Can I keep my house and car if I file bankruptcy?

Can you can keep your house and car if you file bankruptcy? The short answer is usually "Yes", if you keep making the payments. Let's look at the longer answer…more
 /  Bankruptcy, Finance & Banking

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
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