Malcolm Ruthven

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

  • 415-342-4666
  • 415-869-6645

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

Divorce, property settlements, and bankruptcy. Oh my!

There's nothing simple about divorce and bankruptcy. We'll peel off one leaf of that very large subject and see what can happen if someone files bankruptcy after a divorce with a property settlement…more
| Bankruptcy, Family Law

My credit card company "wrote off" my debt. Can I stop worrying about it?

That's a common question that people ask me when they contact me to discuss bankruptcy. The short answer is "No". We'll look at why that is so in this article…more
| Bankruptcy

If I file for bankruptcy, will I lose everything I have?

The short answer is a resounding NO. We'll explore the longer answer in this article…more
| Bankruptcy

I have more money than I can protect from creditors when I file bankruptcy. What should I do?

Congratulations! You're not one of the many people who "go through" everything they could have kept when they file a bankruptcy, so they lose a large benefit of the bankruptcy Fresh Start. You have the opposite problem. How do…more
| Bankruptcy

How much money can I keep in my checking account when filing bankruptcy?

I'll soon be filing a Chapter 7 bankruptcy. How much money can I keep in my checking account without losing it? Here's the deal. The trustee assigned to your bankruptcy gets to take your property, including money, for the…more
| Bankruptcy

Will bankruptcy get rid of all my debts? Maybe not...

Bankruptcy provides a Fresh Start for many people, but it might not get rid of some of your debts. Why not? Because Congress felt that it was best to not allow some types of debts to be discharged (gotten rid of) in bankruptcy…more
| Bankruptcy

What's keeping you from filing bankruptcy?

You're in financial trouble, have considered filing bankruptcy, but haven't taken any steps toward it. What's holding you back? If you're like many of my clients who wished they had done it sooner, it's likely some of the…more
| Bankruptcy

Owe way more on your car than it's worth? A Chapter 13 bankruptcy might fix that.

If you, like many people, owe way more on your car than it's currently worth, then a Chapter 13 bankruptcy might be able to fix that for you. Should you file a Chapter 13 bankruptcy (the "payment plan" type of bankruptcy) for…more
| Bankruptcy
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