The Fishback Law Corp is pleased to provide the following links to information for the benefit of consumers seeking information regarding bankruptcy and other credit and debt issues in Orange County and throughout Southern California. We hope these resources are useful to you. If you need advice regarding your financial situation or assistance with a bankruptcy or related matter, please contact Fishback Law Corp in Irvine for a free consultation with an Orange County bankruptcy attorney with expert experience and relationships in not only Orange County, but in Los Angeles, San Bernardino, Riverside, and San Fernando Valley Counties, as well.
Bankruptcy Legal Information
This link to the State Bar of California takes you to the Bar’s consumer information pamphlet titled, “What can I do if I can’t pay my debts?”
The United States Bankruptcy Court, Central District of California is the main office for the bankruptcy court in Orange County and other Southern California counties. The number for the divisional office in Santa Ana is (714) 338-5300.
The U.S. Bankruptcy Code is found in Title 11 of the United States Code. From this link to the U.S. House of Representatives, you can download the entire bankruptcy code or individual chapters such as Chapter 7 liquidation and straight bankruptcy, Chapter 13 debt adjustment and wage earner’s plans, and Chapter 11 business reorganization.
The website for the U.S. Bankruptcy Courts provides a great deal of information for consumers seeking basic information about bankruptcy on pages devoted to topics such as Bankruptcy Basics, Chapter 7, and Chapter 13.
The rules of court in bankruptcy cases are governed by the Federal Rules of Bankruptcy Procedure which tell you (but beware, not in plain language!) how to file a petition and see a case through the bankruptcy court.
Credit and Debt Resources
The Fair Debt Collection Practices Act (FDCPA) is the federal law governing creditor harassment and the behavior of bill collectors. The FDCPA is enforced by the Federal Trade Commission (FTC), and you can find more consumer information on debt collection from the FTC here.
The National Foundation for Credit Counseling is a nationwide network of credit counselors helping consumers to drive down debt and regain control of their finances.
By law, you are entitled to one free copy of your credit report each year from the three main consumer credit reporting agencies (TransUnion, Experian, and Equifax). Mark your calendar to request a report from a different agency every four months. That way you can continually monitor your credit report at no cost. If you find any old or inaccurate information and have difficulty getting the credit reporting agency to remove it, give us a call. The official site for obtaining your free credit report is AnnualCreditReport.com.
The Credit Card Accountability, Responsibility, and Disclosure Act of 2009 (CARD Act) changed the way credit card companies must disclose interest rates and other terms on your bill and in information they send to you. The Federal Reserve posted a summary of those requirements here.