Michael Noble, Sacramento Bankruptcy Attorney offers:

*Great Service

Free 2 hour Consultation! Other law firms treat their clients like a case number. At Sacramento Bankruptcy Attorney we treat clients like family.  With over 20 years experience we can help you protect your family. We provide our clients a simple, dignified yet discreet bankruptcy protection experience. You will always have direct access to your Sacramento Bankruptcy Attorney. No more waiting three months for your lawyer to call you back after taking your money. THIS IS A CLIENT CENTERED PRACTICE!

Personal Finances - Planning For The Future!

If you're hoping to make a big purchase in the future, consider beginning to track your finances today. There are some simple tips to help you improve your financial management skills.

Flexible spending accounts are a wise choice for most people. You won't be taxed for this money; therefore, you are saving more.

Consider adding international investments to your portfolio. No load mutual funds greatly reduce the expense involved in buying individual foreign stocks.

Set up your debit card to pay down your credit card automatically during the last days of the month. This will help keep you from forgetting.

Repair Your Credit Score

Having bad credit can be stressful and annoying. It's one of the main stumbling blocks to a successful life. It can prevent you from leading the life you desire and living your life to its full potential. It's not difficult to get back on track to good credit, so read the rest of this article to learn what you need to do it right.

Check your credit card carefully each month to ensure that there's no incorrect information. Should there be any mistakes, contact the company and talk to them to avoid being reported to the credit companies.

You should keep the balances on your credit cards low to help you fix your credit. By carrying a high balance, your credit score will suffer, even if you make timely payments every month.

You can contact your creditors and request a lower limit. This will stop you from racking up giant credit card bills, and show lenders you are responsible.

What is Exempt when Filing Bankruptcy?

There are many exemptions on property when filing for bankruptcy.  If you are filing Chapter 7 you can keep all of that property.  There are exemptions under state and federal law, however, federal law is usually more permissive.

Here is a list of the Federal Exemptions:

*Home equity up to $16,500

*Car equity up to $2,575

Bankruptcy Doesn't have the Take Everything
   

Ten Things to Know about Debt Collectors

1.       Debt collectors can exaggerate when they talk to you!  They can make things seem worse for you to encourage (and scare) you to pay! They just want your money.

2.       They are not your friend, no matter how friendly they may seem over the phone. They just want your money.

3.       Don’t worry about telling them all the events that have led to this problem in your life.  They don’t care.  They just want your money.

4.       They just want your money because they get a percentage of what you pay –it is how they get paid.

Bankruptcy Myths

Myth One: Bankruptcy relief is no longer accessible.

Virtually all of the relief formerly available through bankruptcy survives in today's bankruptcy code. It is a little more involved as well as somewhat more costly, however it still works.

Myth Two: You can't file bankruptcy if you have a career or job.

The new "means test" is supposed to divert some filers that make more than the median income for their state or geographical location to Chapter 13. The only manner to file a Chapter 13  is to HAVE a job. So, this is utterly untrue.

Benefits of Bankruptcy

Filing for bankruptcy can provide many benefits for those who are swamped with debt and can’t seem to get out from under it.  Consulting with a lawyer can help you determine the correct course of action, however.  Listed below are a few ways filing for bankruptcy can be of help.

1.)    Bankruptcy can legally “do away” with most, and in some cases all, of your debt.  This means you do not have to pay this “discharged” debt back.

3.)    If your car or other property is in danger of being reposed, then bankruptcy can halt that procedure.  If it has already been repossessed then the creditor may even have to return your property to you.

Bankruptcies Drop As Customers Still Struggle

The U.S. customers seem to be making their credit card payments on time, late payments grew for other categories such as car and home loans according to the American Bankers Association's report they issued.

 While overall bankruptcy filings by consumers could be 10% less than they were in 2010, the economic climate is not helping to lower those numbers.

 Will a surge of bankruptcy filings come prior to December of his year? Or are Americans riding out this financial storm?

What is a Means Test?

For million's of Californians facing financial hardship, seeking a Sacramento bankruptcy Attorney for the purpose of filing for bankruptcy protection used to be a no brainier. Got too much debt? flush it away with a simple legal stroke of the pen with a Chapter 7 Bankruptcy. This is otherwise known as declaring bankruptcy or personal bankruptcy. However, since lending institutions like can not use collection methods like Don Corleone in The Godfather, they used the next best thing... getting congress to put the proverbial squeezes on everyone's ability to declare bankruptcy with new legislation called a means test.

The state of Bankruptcy in Sacramento CA

Recent years brought about monetary changes in which Sacramento CA residents just weren't prepared and together with not being prepared in their life  for such a radical economic change, as a Sacramento Bankruptcy Attorney, I've heard thier stories many of which are heart breaking. For many people, fiscal security had gone away as house values plunged, careers were downsized, debts increased, and help was no where to be found. More People in the California are now facing the decision to declare themselves bankrupt.

As we shifted through The year 2010, the overall economy did not recover, and long term unemployment rates have stayed high. Good hard working and productive citizens have been recently unable to gain employment, have only found comperable emplyment on a much reduced pay compared to what they had earned prior to America's economic collapse. Companies stay away from layoffs by simply cutting back on salaries, beneifts and additional bonuses.

What Items Do You Needed When Filing  for Bankruptcy?

What Items Do You Needed When Filing for Bankruptcy? Understanding some of the new bankruptcy laws can be a challenge---and it may seem to make it harder to know exactly what to do and what you need when filing for bankruptcy! The new laws are designed to "drive" people into filing correctly.  Many file for Chapter 7 bankruptcy when they really need to file for Chapter 13.

The Law Office of Michael Noble Online Commercial

http://michaelnoblebankruptcylaw.com/  I am a  Sacramento Bankruptcy Attorney.  My name is Michael Nobel and as a bankruptcy attorney in Sacramento, I know that filing for bankruptcy is never an easy decision.  To learn about your bankruptcy options, pick up the phone and give us a call. We are conveniently located in downtown Sacramento, CA.  Let me help you find the best solution. Located at: 2017 5th St. Sacramento, CA 95818 | (916) 473-7855

Sacramento: Leading US City Hit Hardest By The Recession

The Brookings Institution and London School of Economics study looked at cities in the US hit hardest by the current recession. Sacramento California at 14th on the list remains a leading city hit hardest. The study looked at factors such as foreclosures, bankruptcy rates, job posting to unemployment ratios and more. While this may be news to everyone else, this is an obvious reality to many here in Sacramento.

Our first web commercial

Hey! Check out our first web commercial and let us know what you think. When you are looking for a Sacramento Bankruptcy Attorney, consider us. We're here to listen and learn how we can best help your family.

New Website Launched

We've Launched our new website at www.MichaelNobleBankruptcyLaw.com. If you like it let us know. Hit the thumbs up at the top

Foreclosures Are More Profitable Than Loan Modifications, According To New Report

Here's an interesting article where you'll learn more than you ever wanted to about how the banks, loan servicers, and investors got us into this mess.  But if you want to learn more, make sure you read the accompanying report.

Fannie Mae Deed for Lease Program will let you rent your home instead of Foreclosure.  All this is not the same as owning your home, you pay less and you continue living in your home for at least one year.
www.huffingtonpost.com/2009/11/05/fannie-mae-deed-for-lease_n_346988.html