GOLDBACH LAW BLOG
Learn more about bankruptcy law, debt collection, and more. Free tips and checklists to help you better plan and manage your bankruptcy decision.
Debt Collectors
Prepare yourself for any actions that debt collectors may take and be aware of what they are legally allowed to do so that you can be ready if/when they take any action(s) that should not happen. Debt collectors are not permitted to contact you (the debtor) before 8...
Student Loan Debt
Can you imagine what the world would look like if student loan debt was dischargeable under bankruptcy laws? Currently, student loan debts are not dischargeable. A lot of people believe that allowing student loan debt to be dischargeable would be irresponsible and...
Predatory Lending
Predatory lending occurs when borrowers of a loan are led into a transaction that is different than what they expected. Predatory lending inflicts unfair loan terms on potential borrowers. Predatory lending benefits the lender, not the borrower, and ignores the...
Workplace Stress
Workplace stress usually comes in the physical form, caused by repetitive movements that affect the body, but in some cases workplace stress can result in mental or emotional injury. Physical workplace stress is easy to identify. Examples of physical workplace stress...
Wrongful Termination
The term wrongful termination means that an employer has fired or laid off an employee for illegal reasons in the eyes of the law. Illegal reasons for wrongful termination include: firing in violation of federal and state anti-discrimination laws; firing as a form of...
Wage Garnishment
A common question debtors have is, can I get rid of wage garnishment by filing bankruptcy? Wage garnishment occurs when creditors reach out to your employers to go about collecting the debts that you currently owe them. In California most creditors cannot get a wage...
Unemployment Insurance
Unemployment insurance also known as unemployment benefits is a state/federal program that provides cash benefits to eligible workers. Each state has a separate unemployment insurance program, but all states follow the same guidelines. Unemployment insurance...
Bankruptcy Exemptions
Bankruptcy exemptions keep some of your assets from being taken away from you. While some bankruptcy exemptions exist to protect your personal property, such as an automobile or home, other bankruptcy exemptions exist to protect a specific asset’s entire value or a...
Happiness
HAPPINESS. It is strange that one word can be so mysterious. Other than success, happiness is at the top of the list of things people would like to have an ample supply of. It has been proven that our genetics determine about 50% of our overall happiness. What does...
