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The Orantes Law Firm

Yes, You Can Repair Your Credit After Bankruptcy

Bankruptcy can leave a negative mark on your credit report for up to 10 years. However, contrary to popular belief, bankruptcy will not ruin your credit forever. Fortunately, it is possible to rebuild your credit if you take the right steps and are willing to put some effort into it.
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The Orantes Law Firm

Can I File For Bankruptcy More Than Once?

Few would argue that over the past few years, we have witnessed significant changes in the American economy. Not only has the COVID-19 pandemic drastically shifted the way we purchase goods, but it appears that everything from homes, automobiles, gas and everyday items like milk and bread has drastically increased in price.
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The Orantes Law Firm

Bankruptcy & Divorce: What You Need to Know

The past few years have created difficult financial situations for many people. While causing financial problems, the COVID-19 pandemic has also strained many marriages. As a result, some people may be seeking a divorce at the same time that they are considering filing for bankruptcy.
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The Orantes Law Firm

My Mortgage Forbearance Ended. Now What?

During the COVID-19 pandemic, many families experienced serious financial hardship. As a result, the federal government implemented a mortgage forbearance program that allowed homeowners to pause in making mortgage payments on their homes.
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The Orantes Law Firm

What Not to Do Before Filing For Bankruptcy

There’s no denying that the bankruptcy process is demanding and emotional. Yet, the process allows for a new start. While complicated, bankruptcy is the best solution for many people searching for a way to escape crushing financial debt.
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The Orantes Law Firm

What You Need to Know About Creditor Harassment

There are many unappealing aspects of being in debt. As if the stress of being in dire financial straits wasn’t enough, having to deal with harassment from creditors makes an already bad situation that much worse. You need to understand that you have rights. When you start working with an experienced bankruptcy lawyer, you can stand up to your creditors, come up with a long-term plan, and stop living in fear.
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Giovanni Orantes

Can I Keep My House & Car If I File For Bankruptcy?

Everyone makes mistakes. In 2021, nearly 40,000 Californians filed for bankruptcy. The reality is that many people will experience financial hardship. When you are facing deep debt, filing for bankruptcy can seem like the only way out. “Bankruptcy” may be a scary word to most because they associate it with the embarrassment of financial failure and the fear of losing all of their possessions.
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Giovanni Orantes

Disputing a Billing Error on Debit or Credit Card Statements

Billing errors on your debit or credit card statements may include unauthorized charges, misapplied payments, charges for services or goods you haven't received, or vague transaction descriptions. If you make use of a credit or debit card, you are likely to find a billing error on your statement once in a while.
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Giovanni Orantes

Your Rights and Options in Foreclosure

Both state and federal initiatives during the onset of the COVID-19 pandemic allowed homeowners to delay their mortgage payments or otherwise rearrange their payment amounts or due dates. Those programs are now winding down, and property owners are pretty much back on a normal payment schedule.
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