Author Archives: admin

Who is at fault in a multi-car pile up?

Every year in the United States there are over 5-million crashes involving motor vehicles. Accidents happen for a number of reasons including distracted drivers and individuals failing to follow the rules of the road. In larger cities, the fast paced … Continue reading

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5 Tips for Avoiding Collisions Caused by El Nino

The well-known complex winter storm system called El Nino continues to work its way up the west coast of the US from South America. This system brings along with it intense rains, flooding, and heavy wins. Weather related disasters and … Continue reading

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5 Common Ways Creditors Violate Consumer Protection Laws

Anytime an individual falls behind on paying bills, it can be stressful. Most creditors will provide a few months of leeway and try to work with the consumer to bring accounts current before submitting them to a debt collection agency. … Continue reading

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Can I File for Bankruptcy More Than Once?

The process of filing for bankruptcy is one that many individuals see as a necessary evil. While it is not advantageous in terms of credit health, it is one way to get out from underneath seemingly insurmountable debts. Hard times … Continue reading

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Debts Discharged in Bankruptcy Vs Debts Settled

The two primary types of bankruptcy which individuals file for are Chapter 7 and Chapter 13. Each one has its own advantages and disadvantages for the filing party. One of the big issues today is that there is too much … Continue reading

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Do Ride Share Services Cover Personal Injury Claims?

Apps like Uber and Lyft have quickly taken over the traditional approach to getting around without a car. Their success is directly linked to the type of service and quality which they can provide. Courteous drivers with newer vehicles, competitive … Continue reading

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How is My Credit Score Calculated?

A person’s credit score is one the most important “numbers” in their life. Unfortunately, few people are aware of what it is, what it is used for, and how it can impact your life. Understanding your credit score is an … Continue reading

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5 Things You Should Know About Credit Card Debt

Between 2008 and 2012, the amount of credit card debt among U.S. consumers climbed to an all-time high. The struggles of a volatile economy and the open-door policy of many credit card companies aided in the financial downturn that faced … Continue reading

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How To Enforce Settlement Payments

After the long hours invested into a personal injury claim most clients are happy to have reached a settlement. However shortly after this occurs, the waiting game begins. Defendants are typically given a window of time to pay the settlement … Continue reading

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3 Types of Special Damages Recovered in Personal Injury Cases

For personal injury cases there are two types of damages – general damages and special damages. The term “damages” refers to the settlement amount that is awarded to the plaintiff (injured party). These damages may also be called “economic” and … Continue reading

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3 Things You Should Know About Personal Injury Cases Involving Minors

Personal injury cases involving minors relatively common. For parents or guardians, there are three things you should know about filing this type of claim. Guardian Ad Litem is Appointed As children are not in a capacity to defend themselves, a … Continue reading

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What Is Exempt Under California Bankruptcy Law?

If you are having difficulty paying your bills and making loan repayments, you may consider filing bankruptcy to help stop all collection attempts and have your debts discharged. When filing for bankruptcy, your creditors may try to collect what they … Continue reading

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5 Tips To Know Before Negotiating Your Medical Bills

One of the most prevalent financial problems in the United States is medical bills. People who may not have insurance, or at least good insurance, are often left with medical bills they simply cannot afford to pay. However, instead of … Continue reading

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How to Avoid Defaulting on Student Loans

The rate of defaults on student loans keeps rising every year as people often find it difficult to make payments because they cannot find a job or are underemployed. Fortunately, you can avoid defaulting on your student loans with careful … Continue reading

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5 Important Steps to Take Before Filing for Bankruptcy

When you’re having trouble paying your debts because of a job loss or being too far in debt, filing for bankruptcy may seem like an easy way to get out from under what you owe. However, a bankruptcy should always … Continue reading

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Find Out If You Qualify For A Student Loan Discharge, Forgiveness or Cancellation

The high cost of a college education has left many people with outstanding debt that stays with them for years. Unfortunately, some economic hardships, such as losing a job or not making enough money, has made many people default on … Continue reading

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Preventing A Pedestrian Accident

uick thinking can often help a pedestrian about to be hit by a car or truck. While many pedestrian/vehicle accidents can be fatal, they don’t necessarily have to be deadly. By reacting quickly, you can keep from becoming another statistic … Continue reading

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The Importance of Representation for Children’s TBI Cases

While a traumatic brain injury, abbreviated as TBI, can have devastating consequences for adults, children who suffer from even mild TBIs can have their lives completely disrupted. Since a child’s brain is still developing, if they do suffer a head … Continue reading

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Life After A Catastrophic Accident

Traffic or industrial accidents can leave you with severe injuries that can change your daily routines. Sometimes, an injury to an arm or leg is so severe that an amputation may be the best solution for you to live a … Continue reading

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Rippling Effects Of Post Traumatic Brain Injury

A traumatic brain injury, commonly referred to as a TBI, is the result of a blow or hit to the head. One of the main causes of TBIs in the United States are vehicle accidents in which the injured party … Continue reading

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What To Do If You Are Injured On Unsafe Premises

When it comes to injuries, there are a lot of factors to deal with once you are suffering. You have to deal with the hospital, undergo any treatments, therapies and surgeries that are recommended to downgrade your pain level. In … Continue reading

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Rebuilding Your Credit After Divorce

A divorce is emotionally difficult and turns your life upside down. You have to figure out how to live on your own again, and finances are a challenge when you have been depending on another person’s income for years while … Continue reading

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Top 3 Ways To Boost Your Credit Score

At SM Law Group, we see a lot of people struggling with bad credit. They are not sure how they got to this point, and it is even harder to gauge the best way to improve that credit score from … Continue reading

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Can I Negotiate My Medical Bills?

Many people have been faced with an unexpected illness at one point in their lives. If that illness required surgery and or prolonged time away from work, the debt accrued can be considerable. For those people, it becomes a matter … Continue reading

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Stop Receiving Repo Collection Harassment Calls

Owing money to credit agencies is not something anyone enjoys, but when your debt is sold to a company that employs tactics that are borderline illegal or simply illegal, your stress level can drastically increase. For that reason, it is … Continue reading

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Bankruptcy vs. Debt Collection

Today’s society has easy access to credit, and that credit can get out of hand and bury you in debt that you can not repay. If you are to a point where the bills far outbalance the money coming in … Continue reading

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What You Need to know About FDPCA Laws

The FDCPA is a government law that shields customers from uncalled for or oppressive debt accumulating practices. It gives you the privilege to debate on the debt. It controls how and when a debt gatherer may get in touch with … Continue reading

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Frequently Asked Bankruptcy Questions

The stories are varied, but the problem almost always comes down to a series of events you couldn’t have predicted. The lay-off just as the economy started to slip, and just as you make a major purchase. The illness, the … Continue reading

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Personal Injury Settlements FAQ

No car accident is a deliberate act. While you might not hold any anger against the person who caused an accident, it’s still often a necessity to take them to court. It’s surprising how often a driver who promises to … Continue reading

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What To Do If You Are Receiving Loan Collection Calls?

No one likes to receive calls about a loan, especially if you have fallen far behind. Collection calls can feel threatening, and they can make it difficult for you at work, or interrupting daily life. When this happens, it’s time … Continue reading

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The Obama Student Loan Forgiveness Program

The Obama Student Loan Forgiveness Program is beneficial to those who owe money for student loans. There are many stipulations to this program so it is important to know if and how you may qualify for the program. Income Based … Continue reading

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Student Loan Forgiveness Programs: How to Qualify

The National Student Loan Data System for Students states that students have 6 months after they graduate to find a job before they begin paying back their federal loan. But can the loan be pardoned if a student remains unemployed? … Continue reading

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Can Bankruptcy Affect Your Retirement Plans

Yes, those regular credit card and bill payment calls are annoying. You want to get out of debt and put an end to those pesky calls. But is bankruptcy the right solution? Filing a bankruptcy petition has long lasting consequences … Continue reading

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Everything You Should Know About Repaying Federal And Private Student Loans

For many students, paying for advanced studies beyond highschool is their number one financial priority. If you don’t have enough investments or cash savings to fund your higher education, you will probably want to investigate various loan options. There are … Continue reading

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Telephone Consumer Protection Act – Know Your Rights

Telemarketers are a nuisance to many, with phone calls—which are often automated—coming frequently throughout the week and even throughout the day. Fortunately, much has been done over the past several years to limit the number of such calls. Originally passed … Continue reading

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Preventing Motorcycle Injuries – Motorcycle Safety Awareness Month

May is motorcycle safety awareness month, and while we hope that you are following safe driving practices every time you ride, we have some tips to share with you about how to make your rides safer. It is dangerous to … Continue reading

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Will Bankruptcy Help My Student Loan Debt?

Student loans have become a serious burden for many people over the years, and failure to pay back your financial institution or the government can lead to very hard economic times for you and your family. Bankruptcy is one option … Continue reading

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Student Loan Basics IBR, ICE & PAYE

So you’ve completed schooling, taking out loans along the way to cover costs – now what? Well, there are several options available to you (not to mention a six month grace period to figure out which repayment plan is best … Continue reading

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What Happens When You Meet Your End of a Deal to Stave Off a Foreclosure and Then the Bank Forecloses on Your House Anyway?

While you might have done everything you can to avoid a foreclosure, there could still be a potential that a bank may try to foreclose on your house. This is in spite of all the effort you have done to … Continue reading

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5 Best Alternatives to Foreclosure

A foreclosure is a difficult concept to think about as it may cause you to lose your home. The damage that it may cause to your credit rating can especially be threatening. Luckily there are many alternatives that you can … Continue reading

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Chapter 13 Bankruptcy Can Save You from Foreclosure

ust because you have received the foreclosure letter, it doesn’t mean that you have lost your home. In fact, by filing for Chapter 13 bankruptcy, you can stop the foreclosure and save your property. Chapter 13 gives you another chance … Continue reading

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Notice of Default – What You Should Do

When a borrower fails to make monthly mortgage payments, the first thing that the lender does is to notify the trustee. Upon receiving this notification, the trustee will issue the Notice of Default. It is a public document filed with … Continue reading

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How Bankruptcy Can Prevent Foreclosure

Most of us have been taught to avoid a bankruptcy at all costs, heard that it ruins your credit and can stay on your credit report for many years. But if you’re behind in your bills, including your mortgage payment … Continue reading

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Everything You Need To know About The Foreclosure Process In California

Are you currently facing foreclosure and receiving legal paperwork from your lender regarding your mortgage, or have you been recently laid off and expect that you may soon begin to miss your mortgage payments? If so, you probably have questions … Continue reading

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The Truth About Lapsed Auto Insurance and Car Accidents

Many people have driven without insurance (ridin’dirty). It is a huge epidemic in the state of California, where driving is such a huge part of people’s day-to-day commutes. Car insurance is mandatory in every vehicle driving on the road. And … Continue reading

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What To Do If You Find Yourself In A Parking Lot Accident

Parking lot accidents are very common in California, but there are basic steps you should take if you find yourself in this situation. These basic, but important, rules in terms of dealing with parking lot accidents and liability should be … Continue reading

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FILLING FOR BANKRUPCY DURING A DIVORCE

Filing Bankruptcy During Divorce Divorce is difficult enough with going through the legal process and fees. Before or during this time period, one may face monetary trouble. As a result, the spouse or spouses wanting to divorce are bankrupt. What … Continue reading

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MIDLAND FUNDING

The People vs. Midland Funding LLC Many people have been sued by junk debt buyers. One of the most common junk debt buyers is called Midland Funding LLC. Many individuals have been contacted via telephone, letter, or other forms of … Continue reading

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SAN FERNANDO VALLEY WAGE GARNISHMENT LAWYER

How To Get Wage Garnishments Removed If you have ever had a wage garnishment, you know how frustrating it can be. When a debtor is already in a stressed financial situation, a wage garnishment can make it even more difficult … Continue reading

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SAN FERNANDO VALLEY JUDGMENT LIEN LAWYER

What To Do When A Judgment Lien is Issued Against You If you are the subject of a judgment lien, you need an experienced attorney to represent you and work to remove the lien from your assets. A judgment lien … Continue reading

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SKATEBOARD ACCIDENT REPRESENTATION

Here at SM Law Group, our attorneys see a variety of injury cases on a daily basis. One type of accident that has been increasing in frequency on the streets of Los Angeles and the San Fernando Valley are skateboard … Continue reading

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HOW PAIN AND SUFFERING CLAIMS WORK

San Fernando Valley Law Firm SM Law Group Explains Personal Injury Claims Personal injury claims were created to compensate men and women who were injured because of another person’s negligence. Here at SM Law Group, our attorneys and staff assist … Continue reading

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Can I keep my car if I file bankruptcy?

In most cases, yes you can keep your car after filing bankruptcy. In California, you can exempt, or protect, approximately $30,000.00 of any assets including a car so that they are not sold off to repay your creditors. This exemption … Continue reading

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What is a Reaffirmation Agreement?

A reaffirmation agreement in bankruptcy applies to debts that are attached to an item of property that you own such as a home with a mortgage or a car that you financed. These debts are called “secured debts” because your … Continue reading

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Does “Credit Repair” Really Exist?

For those of you that have wondered, there is no such thing as instant “Credit Repair” or “Credit Removal” if the information on your credit reports is true and accurate. Don’t fall for the scams claiming they can erase information … Continue reading

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Filing a Small Business Bankruptcy or Corporate Bankruptcy

A corporate bankruptcy or small business bankruptcy is a difficult thing to face. During these hard financial times more and more small businesses are facing the difficult task of operating their business while costs of operations have gone up and … Continue reading

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Dealing with Collection Agencies

You have a variety of options when your past due account is transferred or sold to a collection agency. But before discussing those options, there are a few things to understand about why your past due account goes to a … Continue reading

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I am Facing Foreclosure and/or Eviction

A Chapter 7 will delay a foreclosure so that the property is not auctioned and sold on the sale date. But only temporarily. The lender is unable to proceed with the foreclosure until it gets a court order from the … Continue reading

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Will bankruptcy ruin my credit forever?

A question I’m often asked by potential clients is “Will bankruptcy ruin my credit forever?” It’s become apparent that many people in need of a bankruptcy’s benefits will avoid filing one and just live with their piling debts due to … Continue reading

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Welcome to our Blog

Welcome to our Blog, here you will find articles that help guide you to make the right decisions. Here at SM Law Group, we understand that in many cases time is of the essence. You may be facing a foreclosure … Continue reading

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Four Ways to Stop Debt Collection Scams

Having significant debt to pay back is scary enough, but things get even more challenging when you face the possibility of debt collection scams conning you into giving away your hard earned cash. People all over the United States are … Continue reading

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How to Immediately Spot a Fake Debt Collector

Debt collection scams are popping up all over the United States, with the target being individuals and families. It is not uncommon for homes to receive calls from individuals who claim they are from the IRS or a debt collection … Continue reading

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Is it Possible for Creditors to Garnish Social Security?

When you are in financial trouble, bankruptcy is often a viable option to get yourself out of a hole. While you may lose a lot through a poor credit score, such as the ability to get credit cards or loans, … Continue reading

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Does Bankruptcy End a Creditor’s Lawsuit?

Credit card debt is a serious problem for a lot of people. Not only does credit card debt often lead to the possibility of declaring bankruptcy, but it can even get you into a lawsuit. Credit card companies are legally … Continue reading

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If a Spouse Dies, Am I Responsible for their Debt?

There are so many emotional challenges involved with losing a spouse. It is tough enough to get over that heartbreak, but the addition of financial problems only makes things more difficult. There are a number of cases where spouses pass … Continue reading

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Ways to Relieve Credit Card Debt

With credit cards, loans and other means of debt so easy to acquire, it is no wonder that so many people in the United States are struggling to keep up with their payments. The type of debt that often leads … Continue reading

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Three Steps to Take After a Rear End Collision

Getting rear ended by another person’s car can be an unpleasant situation. The circumstances become even more challenging when the individual realizes that the insurance claim related to these accidents can be extremely complicated. Insurance companies like to dispute claims, … Continue reading

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Four Apps Making the Road Safe for Motorcyclists

Driving on the road in a motorcycle is always dangerous, even if someone is extremely careful while they are riding. Some drivers in cars and trucks do not pay attention to the road, which can lead to dangerous moments involving … Continue reading

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Five Step Hit and Run Accident Check List

Being in a car accident while you are driving is difficult. However, being the victim of a hit-and-run incident is incredibly devastating for the party left behind. Not only is there the possibility of serious injuries to the passengers involved, … Continue reading

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What You Need to Know About Personal Injuries at Construction Sites

Construction work is never easy, especially when a project is falling behind schedule and workers are encouraged to speed up the process as much as possible. This is usually when a majority of accidents happen – because workers are too … Continue reading

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What You Need to Know About Porter Ranch Gas Leak Law Suits

One of the biggest examples of a wrongful death suit occurred recently in Southern California. It involved the gas company, SoCal Gas, and how they were sued by a woman’s family. This family accused SoCal Gas of playing a major … Continue reading

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Does My Case Qualify as a Wrongful Death Lawsuit?

Wrongful death lawsuits are some of the most complex and emotionally draining cases, both for lawyers and the parties involved. This is why it is so important for people to have a real understanding of what situations can merit filing … Continue reading

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When Do Collection Calls Become Harassment In California

You may be in a situation where there is some type of debt that is long overdue for payment. The last thing you want to do is hide. If you are aware that a debt collector might contact you about … Continue reading

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Can Filing Bankruptcy Wipe Out My Car Accident Judgement In California?

A lot of people wonder what type of financial judgments they can avoid through bankruptcy. For example, everyone knows that if you have a lot of credit card debt or loans, it is possible to wipe out a significant portion … Continue reading

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How To Get Medical Debt Relief

There is nothing wrong with admitting that you need help. Sometimes you end up making too many bad decisions when it comes to credit cards or other loans. There are other situations where you simply cannot control the expenses that … Continue reading

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3 Tricks Insurance Companies Use After An Accident

Insurance companies are very clever. There is a reason these major companies have been making huge profits for every year for the past few decades. While they do help people who have been in accidents and require compensation, they may … Continue reading

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3 Benefits Of Hiring A Personal Injury Attorney After A Car Accident

Going through a personal injury is particularly difficult. This is especially true in cases where the injury is serious enough to warrant a lengthy medical treatment, or time missed from work. People who go through personal injuries also have to … Continue reading

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4 Things to Do Immediately After a Car Accident

4 Things to Do Immediately After a Car Accident Accidents happen. According to the National Highway Traffic Administration, there are approximately 5.25 million car accidents that happen annually. If you have suffered a car accident or want to be prepared … Continue reading

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What Should I Do if Hit by a Car While Jaywalking? 

Perhaps you were running to catch a taxi or you simply were not paying as much attention as you should. Maybe your child ran out into the street before you could grab their hand. Whatever the case may be, you … Continue reading

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What are Examples of Negligence in a Wrongful Death Case?

If you are searching for answers regarding wrongful death, you can find solace in the law. Wrongful death can be described as a death by negligence. These deaths can occur at the hand of someone else’s negligence and can result … Continue reading

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