2022

If you are burdened with Sallie Mae student loans, you may be able to have your loans discharged in bankruptcy. Note that in 2014, Sallie Mae created a new company called Navient Corporation to hold its loan portfolio and to operate its loan servicing business. Thus, if you ever had a Sallie Mae loan or … Read more

A California Living Trust is an invaluable California estate planning tool that should be part of your estate plans. This is particularly true for high-income or high-net-worth individuals and couples (net worth above $1.5 million). Living Trusts allow a decedent to avoid probate proceedings, avoid certain tax consequences, and avoid unwanted publicity. A Trust is … Read more

In Irvine, California, a Last Will and Testament — a “Will” — is a written California Estate Planning document that serves several functions. These include: Directing how a person’s property, money, and other assets are distributed post-death Identifying such property, money, and assets (including the location of such assets, identification numbers, user codes, passwords, etc.) … Read more

With respect to your Will, there are two main issues if you have just moved here to Irvine, CA: Whether your previous Will should be updated and Whether your previous Will is valid and enforceable under California law. Thus, if you just moved here, it is probably wise to consult with experienced Irvine, California Estate … Read more

Everyone in Irvine, CA – and elsewhere in Orange County – needs a last will and testament. This is true even for people who are, chronologically, still young in age. A will is defined here in California as a legal document that directs how assets and possessions are to be distributed after death. A will … Read more

Conservatorships are California legal arrangements made for adult persons who are having difficulty managing their own affairs. This may only involve financial affairs but may also involve an inability to handle personal needs such as housing and medical care. If you need a California conservatorship established or just need some information, contact the top-tier California … Read more

Have you been paying “convenience fees” for paying your credit card and other debts? The kind of “convenience fee” where the debt collector charges you a fee to make your payment over the phone? If so, your debt collector is probably violating federal law. The federal Consumer Financial Protection Bureau (“CFPB”) — an agency dedicated … Read more

If you have ever tried to read your credit report issued by one of the three national credit reporting bureaus, no doubt, you found it confusing and bewildering. Most of the information is coded and ranked and not particularly easy to understand. As such, it may be difficult for you to know if what is … Read more

Under the federal Fair Credit Reporting Act (“FCRA”) and under California State law, credit reporting companies have duties and obligations to report only accurate information in a consumer’s credit report. Similar obligations and duties are imposed upon companies and businesses that provide or furnish information to the credit reporting agencies. These types of companies and … Read more

Credit is crucial in today’s world. To obtain credit, one must have an accurate credit report since credit reports are the main source of information used when lenders are considering offering credit to a consumer. Because of this, Congress enacted the Fair Credit Reporting Act (“FCRA”) which was intended to ensure that credit reports are … Read more