How To File For Bankruptcy In California During Covid-19

Due to the economic consequences of the Covid-19 pandemic, we have been getting more inquiries lately about how to file for bankruptcy in California. People are wondering what kind of debt relief will be available to them given the extreme loss of income of so many Californians. Debt settlement and bankruptcy are the primary options …

How to Stop Wage Garnishment for Medical Bills

If you have been sued for not paying your medical debt, then you need to know how to stop wage garnishment for medical bills.  When you owe medical bills, then the creditor who owns that medical debt can sue you and obtain a judgement against you for the medical debt. In California the wage garnishment …

Options Besides Bankruptcy for Credit Card Debt Relief

Americans are notorious for carrying high credit card debt.  According to Time magazine, only 35% of credit card users don’t carry a balance. How do people deal with credit card debt? Many people think the only way to handle problems with high credit card debt is bankruptcy. Filing for bankruptcy is a proceeding that can …

Vote Gamez Law Firm For San Diego’s Best Union Tribune Poll 2016

We’re thrilled to announce that with your help we’ve been nominated to the final round of voting for The San Diego Union Tribune Readers Poll Best Of San Diego 2016! Thank you for nominating us the past two previous years, lets make it to #1 this year! The Gamez Law Firm would appreciate being recognized as …

How Does Bankruptcy Affect The Sale Of Your Home?

If you’re currently involved in a bankruptcy case or are considering filing to get on top of your debt situation, you might have questions about how the matter will impact your financial future. The truth is that bankruptcy does have a significant impact on your credit rating, which – in turn – can affect other …

Best Ways Of Fixing Credit After A Bankruptcy Or Credit Card Settlement Case

In a sense, going through the process of bankruptcy or credit card settlement is a fresh start. But there are still consequences that impact your credit rating, which can make it difficult to finance large purchases or obtain a loan. So in the aftermath of your case, you should be considering ways you can repair …

Options To Settle Debt Besides Bankruptcy

If you’ve gotten in over your head with debt, you might be looking into bankruptcy as a solution to get back on track with your financial situation. However, there are other options to settle debt in San Diego that you should consider as well. Bankruptcy is a serious proceeding that will impact your life for …

The 3 Most Common Debt Relief Options

Whether you are facing student loan debt, credit card debt, medical debt,  mortgage debt or small business loan debt – you need to do your research and know your options to become debt free.  The three most common debt relief options are bankruptcy, debt consolidation and debt settlement. 3 Most Common Debt Relief Options Bankruptcy …

What To Do If There Are Creditors That I Don’t Recognize On My Credit Report

La Jolla, CA – May 5, 2015 – Q. I checked my credit report and there are creditors I don’t recognize. Who are they and what can I do about this? A. It’s a good idea to check your credit reports from all three major bureaus annually. You can get your credit reports for free …

Should I continue with my Debt Management Plan?

La Jolla, CA – February 24, 2015 Q. I have been in a debt management plan for a year now. The payments are over $1,400 per month and I am having difficulty making these payments. Should I try to continue with my Debt Management Plan? A. In a Debt Management Plan (DMP), you make monthly …