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Matthew M. Spielberg brings over 32 years of experience to his clients throughout the East Bay and the Tri-Valley area. He has been located in Castro Valley since 1977, and has been serving Tuolumne and Calaveras counties since 1988.

Matthew has focused his representation exclusively on consumer bankruptcy-related matters since 1990, to include Chapter 7 liquidation and Chapter 13 reorganization. He has been a lawyer since 1976, and has been a certified bankruptcy specialist, by the California Boad of Legal Specialization, since 1997. He can also help you explore alternatives to bankruptcy. And additionally, if you are considering a Chapter 11 bankruptcy filing, he can refer you to qualified counsel.

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The team filed for bankruptcy protection, “in order to protect the franchise financially and provide a path that will enable the Club to consummate a media transaction and capitalize the team,” according to a news release

Under the filing, former Dodger Manny Ramirez is listed as the number one unsecured creditor. He’s owed nearly $21 million, according to the bankruptcy filing.

Andruw Jones, who now plays for the New York Yankees, is owed more than $11 million and Dodgers announcer, Vin Scully, is owed $152,778

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I’m Neil Colmenares, a Consumer Bankruptcy Attorney. If you’re overwhelmed by debt, we can help. For over a decade, I’ve helped good people through tough times. ?
-Did you know that the moment we file a Bankruptcy for you:
• Those harassing phone calls from creditors and collection agencies will stop immediately.
• Your paycheck will no longer be garnished and your bank accounts will be unfrozen.?• If you’re in foreclosure, the foreclosure will be stopped dead in its tracks.?
Some of the long-term benefits of filing bankruptcy include:?
• Getting rid of your dischargeable debt: which includes credit card debt, store card debt, medical bills, personal loans, deficiency judgments, and certain taxes and student loans if certain conditions are met.?
• You get to keep your property such as your home and your car if certain conditions are met.?
• Other benefits include Repair to your Credit- If your considering Bankruptcy, your credit score is probably not in its best shape. The filing of Bankruptcy could actually help repair your credit sooner than if you did not file Bankruptcy. ?
• Moreover, credit card companies will want to extend credit to you after filing. The reason if simple, when a person files Bankruptcy under Chapter 7 of the Bankruptcy Code and receives a discharge, that person can not receive another discharge under Chapter 7 for at least eight (8) years. To the credit card companies that makes you a good credit risk, since you cannot get rid of any new debt in another bankruptcy for at least eight years. If you’re worried about buying a house in the future, the same goes for mortgage companies.?
•Finally, you get a second chance! Being able to wake up in the morning knowing that the worst financial crisis in your life is behind you, if reason enough to consider Bankruptcy.?I encourage you to read the various articles and information on this website. Personal experience shows that the more a person knows about Bankruptcy, the more comfortable they will be with the decision to file.?
-If you would like to schedule a consultation, we’ve made it simple. Fill out the “Quick Contact Form” on the Contact us page of this website, briefly describe your case and the time and date you are available for your telephone consultation. I make every effort to personally reply within 24 hours. Or, if you prefer, you can schedule a consultation “the old fashioned way” by calling us on the telephone. Thank you.

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Copyright Bloomberg 2011

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States file for bankruptcy chapter 11 illinois pension plans education budget cuts tax increase labor union contracts schools

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info from the Credit Secrets Bible

FORECLOSURE and BANKRUPTCY: Rebuilding Credit Easier Than You Think.

Foreclosures and bankruptcy filings are on the rise. Actually set to hit record levels this year. And they BK and foreclosure filing are expected to continue to rise say many county clerks and bankruptcy judges and financial and credit repair experts.

American bankruptcy institute agrees; it’s a reflection and reality of the economy. Foreclosures are going through the roof as well. Realtytrac.com expects foreclosures to hit homeowners even harder. Sames goes for Mr. Mortgage.

Drastic change in the real estate market is even catching realtors and mortgage lenders off guard. Many of them are finding themselves, along with their clients, in foreclosure and renting.

However, your credit can be restored after bankruptcy and foreclosure. Usually faster than you think. In fact, many lenders specialize in extending and approving credit to people who have filed bankruptcy or been foreclosed. Look at Donald Trump. The Donald has BK’s more than once. So why would anyone want to lend to you?

The reason is simple. After a consumer files bankruptcy they are DEBT FREE and cannot legally file bankruptcy again for up to 10 years. This makes them a great credit risk some banks believe.

Just about anyone can get credit after bankruptcy if they know how or not. Ask anyone about their junk mail for credit cards after filing bankruptcy. Also, lenders really look as the last 12 to 24 months of your credit history.
No new late payments or derogatory information is key.

You can expect to pay higher interest rates but not for ever and not for long. One of the greatest secret weapons for you to improve your credit faster is by using online merchandise cards. These can be found at:

http://www.CSBCards.com

These cards have guaranteed approval and look like any other credit card on your credit report. However, they only allow you to buy merchandise from an online mall or catalog. But the benefits for improving credit score far outweigh the disadvantages. For more information call the 24hr information line at:

(775) 321-9709

Please rate this video.

Thank you.

Duration : 0:10:3

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