Malcolm Ruthven
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

Filing Bankruptcy and Have Credit Union Children's Accounts? Look Out!

What happens to your credit union children's accounts if you file bankruptcy and also owe money to that credit union? It isn't pretty!…more
 /  Bankruptcy, Finance & Banking

Avoid these banks if filing bankruptcy!

Why avoid certain banks if filing bankruptcy? Because if you don't, you could lose a lot of money! Here's why and how..…more
 /  Bankruptcy, Finance & Banking

Does my discharged-in-bankruptcy debt stay gone forever?

Many clients ask me if the debt that's discharged (eliminated) in bankruptcy will stay gone forever. The simple and correct answer is Yes. But that really isn't the whole story…more
 /  Bankruptcy

Expensive loans in California can force you into bankruptcy!

If you think "payday" loans are bad, consider a loan of $5,000 that requires you to pay back $42,000. Yes, that can happen in California…more
 /  Bankruptcy, Consumer Protection, Finance & Banking

Payday lender sentenced to 16 years in prison

The owner of a payday lending operation was sentenced to more than 16 years in prison, and the general counsel (attorney) for the business was sentenced to 7 years…more
 /  Bankruptcy, Consumer Protection, Finance & Banking

Family farmers get a break (Chapter 12 bankruptcy)

Family farmers who need Chapter 12 bankruptcy thought they were getting a break in 2005 with the new bankruptcy laws. But the U.S. Supreme Court interpreted a poorly-written part of that law to take away that break. They've now…more
 /  Agriculture, Bankruptcy

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
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