Malcolm Ruthven

Ready to file bankruptcy? That's good news, not bad.

Why would filing bankruptcy be good news, not bad?…more
| Bankruptcy

What might bankruptcy do for me? The short version.

Many people contact me to see if bankruptcy would be right for them. I find that many of them don't understand the basics of what bankruptcy might do for them, so here is the short version…more
| Bankruptcy

Are credit card payments killing you? Is bankruptcy a good option?

What does it mean for credit card payments to be killing you? It means ... 1. You have virtually no chance of paying off that debt in any reasonable amount of time. 2. During the time you're making payments, you don't…more
| Bankruptcy

Are you putting off contacting a bankruptcy attorney? That might cost you lots of money.

Are you thinking about bankruptcy but not doing anything about it? Are you putting off consulting with a bankruptcy attorney, hoping that things will get better? If so, you may be costing yourself a lot of money…more
| Bankruptcy

Are you expecting a tax refund? It's that time again.

It's now March 1. Do you know what your tax refund is doing? Will the bankruptcy trustee take it? Read on..…more
| Bankruptcy, Taxation

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
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Contact

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

  • 415-342-4666
  • 415-869-6645

Areas of Practice
  • Bankruptcy
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