Your credit reports play a monumental role in shaping your financial opportunities and reputation. However, if those reports contain errors, your access to credit and financing can suffer dramatically. As staunch advocates for consumer rights, our firm frequently encounters violations of consumers’ rights under the federal Fair Credit Reporting Act (FCRA). These violations, whether through …
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Optimizing Divorce Asset Division in California: Uncovering Overlooked Assets
Divorce is an emotionally charged process that requires the often-painstaking division of assets acquired during marriage. Under California’s community property laws, anything earned or gained during marriage is presumptively deemed community property regardless of individual spousal incomes. Both partners share equal interest in this communal marital property, meaning it must be equitably divided when the …
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Navigating the Evolving Landscape of Student Loan Discharge in Bankruptcy
The student loan discharge in bankruptcy landscape has recently undergone a monumental transformation, ushering in renewed hope for student loan borrowers burdened by years of substantial student loan debt. Recent guidelines implemented by the Department of Justice have paved the way for a more accessible and streamlined process, offering potential relief to borrowers weighed down …
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Back to School: Co-Parenting & Child Custody
With school back in session, we know that many parents are trying to co-parent properly. In Placer County, child custody arrangements and visitation schedules are typically determined based on the best interests of the child by the court. While specific school schedules may vary between different schools and districts, custody arrangements often take into account …
Navigating SBA Loans in Personal Bankruptcy: What to Know About SBA Loan Cramdowns
Filing for bankruptcy is often a complex and overwhelming process, especially for small business owners who may have taken out Small Business Administration (“SBA”) loans to finance their ventures. While SBA loans can provide critical support to entrepreneurs, they can also complicate the bankruptcy process because of personal guarantees and potential liens. Here we’ll explore …
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It’s World Mental Health Day – Our Staff shares some of their positive habits.
Today, October 10th is World Mental Health Day, and our staff here at Gale, Angelo, Johnson & Patrick would like to acknowledge the impact and importance of mental health. The past couple of years have pushed many individuals worldwide to focus on their own mental health. Internally, we have encouraged our staff to focus on …
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Bankruptcy: Myths and Misconceptions
Let’s cut to the chase, filing a bankruptcy case is not without consequences. If you don’t know anyone who has filed, it can be scary and pose a lot of unanswered questions. What will happen to my credit? Will I ever be able to buy a house or a car? Who decides what I can …
I bought my fiance a 2-carat diamond ring then she left me for another guy. Can I get the ring back?
Which party is entitled to the engagement ring? Edward and Carrie have been together for a total of six years including a one-year engagement. a year prior to their engagement, the couple moved in together. During the end of the fourth year, Edward proposes to Carrie in front of all their family with the ring …