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Bankruptcy Lawyer in Sacramento serving Roseville discusses a report which has determined why some debtors may delay a Chapter 7 or Chapter 13 bankruptcy process

• Using aggressive collection techniques plays a major role in motivating people to file for bankruptcy.  The picture of an “emergency bankruptcy filing” is generally a myth, apart foreclosure-related filings which do have strict time deadlines.
• People are willing to suffer a great amount of creditor collection activity before they even come to the thought of bankruptcy.
• But collectors beware – even though consumers are not hovering on the verge of bankruptcy because of a few nasty phone calls, the slow, steady, drip of painful encounters with ridiculous threats will certainly lead to debtor resorting to the structure of bankruptcy.
• Unfortunately, by that time, many assets and opportunities have been lost in an attempt to pay overwhelming debt.

• Creditors as a group create excessive “dunning” of debtor which eventually become a bankruptcy filing due to intolerable behavior of creditors.
• The existing collection process is flawed by excesses.  Remove the incentive for creditors to be “first in line to collect” the assets of debtor before debtor essentially becomes judgment proof.
• Limit creditor collection calls via a “do-not-call” rule modeled on the do-not-call list for telemarketers. The report recommen

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Tags: 13 Bankruptcy, 13 Bankruptcy Process, Bankruptcy Process, Process

10 Tips from CyberSecurity.com to stay safe during National Cybersecurity Awareness Month and all year round:

1) Keep your personal information private on social networks such as Facebook, MySpace and Twitter. Pay attention to privacy settings. You may be unwittingly sharing personal information such as your date of birth, phone number, address, workplace and mothers maiden name. This may lead to identity theft. Never allow strangers to friend you. If in doubt, ignore the request.

2) Keep your operating system and software programs up to date. Security updates offer the latest protection against cyber attacks. If available, turn on automatic updating.

3) Make sure you have antivirus and firewall software installed, properly configured, and up-to-date.

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Tags: Awareness Month, Month, Security Awareness, Security Awareness Month

A few years ago, I interviewed the author and cultural jedi Malcolm Gladwell and the conversation digressed on to first impressions. Gladwell was explaining, in trademark style, that he was no fan of job interviews – in fact, if he were to employ an assistant, he would take the CVs of the applicants, excise the ones that were clearly inappropriate, and then make the selection from a hat. “You pretend that you can make all these insights from meeting someone, but you’re lying to yourself,” he concluded. “We are too much in love with generating the impression from the person.”

I am reminded of this point when I meet Errol Damelin, the founder of short-term lender Wonga. In the mid-2000s, he made a realisation similar to Gladwell’s, but took his conclusions in a very different direction. A

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