Welcome To Our Links To The Law Page

We hope that these links provide you with interesting and valuable information.

STATE AND FEDERAL LAWS PROTECTING YOU FROM CREDITORS:

California Exemption Laws
These laws are the primary laws protecting your home, vehicle and other property from being taken by a bankruptcy trustee or your creditors. A basic explanation of the exemption system is followed by links to the ACTUAL LAWS. You can download these laws and read them at your convenience.

Federal Bankruptcy Code
This link takes you to the complete Federal Bankruptcy Code at the Cornell Law School web site.

Federal United States Supreme Court Decisions
United States Supreme Court Case decisions are also hosted by the Cornell Law School web site.

Federal Fair Debt Collection Practices Act
This Federal law gives you certain rights that are immediately usable by you. These are the rights that your creditors don't want you to know about. These rights may surprise you. These laws are also downloadable.

Federal Fair Credit Reporting Act
This Federal law gives you rights to protect you from false and inaccurate credit information. This includes how to force credit reporting agencies to remove false information. While this is not directly related to bankruptcy we thought it may none the less be useful to visitors to our site.

BANKRUPTCY ORGANIZATION WEB SITES

American Bankruptcy Institute
This site is supported by numerous professionals in the bankruptcy field including Judges, law professors, attorneys representing both debtors and creditors. It generally has the most up to date information on the status of legislation affecting bankruptcy rights. It attempts to be a non-partisan meeting ground for ideas and views from all segments of the Bankruptcy field. Mr. Fraley is a member of the American Bankruptcy Institute.

Commercial Law League - Washington Hot News
The Commercial Law League is a creditor based organization. They have fairly current news on credit issues from a creditor oriented viewpoint.

National Association of Consumer Bankruptcy Attorneys
This group is made up of lawyers who primarily represent consumer debtors in bankruptcy and debt reorganization matters. This organization is the ONLY voice lobbying solely for debtors to protect their rights under the Bankruptcy Code.

CALIFORNIA BANKRUPTCY COURT WEB SITES

Bankruptcy Court for the Eastern District of California, Sacramento
This is the official web site of the Bankruptcy Court for the Eastern District of California, Sacramento. This District covers an area including the Central Valley from Bakersfield to the Oregon border and eastward to the Nevada border, which includes the following counties: Alpine, Amador, Butte, Calaveras, Colusa, El Dorado, Fresno, Glenn, Inyo, Kern, Kings, Lassen, Madera, Mariposa, Merced, Modoc, Mono, Nevada, Placer, Plumas, Sacramento, San Joaquin, Shasta, Siskiyou, Stanislaus, Sutter, Tehema, Trinity, Tulare, Tuolumne, Yolo, and Yuba. Courts are located in Sacramento, Modesto, Fresno and Bakersfield.

Bankruptcy Court for the Northern District of California, San Francisco
This is the official web site of the Bankruptcy Court for the Northern District of California, San Francisco. This District covers an area from the counties bordering the Western edge of the Central Valley to the Pacific Ocean and from the Oregon border Southward to Monterey, which includes the following counties: Alameda, Contra Costa, Del Norte, Humbolt, Lake Marin, Mendocino, Monterey, Napa, San Benito, Santa Clara, Santa Cruz, San Francisco, San Mateo, and Sonoma. Courts are located in San Francisco, Oakland, San Jose and Santa Rosa.

Bankruptcy Court for the Central District of California, Los Angeles
This is the official web site of the Bankruptcy Court for the Central District of California, Los Angeles. This District covers an area from San Luis Obispo County to Riverside, along the Pacific Coast and across the desert, which includes the following counties: Los Angeles, Orange, Riverside, San Bernardino, San Luis Obispo, Santa Barbara and Ventura. Courts are located in Los Angeles, Riverside, Santa Clara and Santa Barbara.

Bankruptcy Court for the Southern District of California, San Diego
This is the official web site of the Bankruptcy Court for the Southern District of California, San Diego. This District covers an area comprised of San Diego and Imperial Counties The one Court is located in San Diego.

OTHER GOVERNMENTAL WEB SITES

United States Trustee
The Office of the United States Trustee is responsible for overseeing Bankruptcy Trustees and maintaining the integrity of the Bankruptcy system. They are the people who bring in the F.B.I. to investigate Bankruptcy crimes like perjury by debtors (that is lying on bankruptcy documents or at the hearing), debtors hiding assets, not listing all debts, misrepresenting income, or expenses, and trustee theft of assets from a bankruptcy estates. They then bring in the United States Attorney to prosecute debtors or trustees who violate federal law. They also file motions to deny debtors a Chapter 7 discharge where they believe the debtor has the ability to pay any significant portion of the debt they owe to their general unsecured creditors. Their job is to keep everyone honest. Honest debtors who truly need Chapter 7 bankruptcy have nothing to fear from the United States Trustee.

The State Bar of California
This link takes you to the State Bar of California FAQ page on the Certified Legal Specialist program.

OTHER INFORMATION

The Kelly Blue Book
Find out how much you car is worth, online.

The Road to Good Credit
What lenders look for, and how to repair a damaged credit rating.

Build credit history with a secured card
Strategies on building a strong credit history.

Re-establishing credit may be a secured card away
Obtaining a secured card is usually a good way to start rebuilding your credit rating.

Click here: Bankruptcy Predictor - A Business Bankruptcy Predictor using MDA. a very high degree of accuracy! This is a unique tool for calculating the likelihood of a business having to file bankruptcy. It is the only tool we have seen that is simple enough for a small business person to use without a major effort and without an extensive knowledge of accounting and statistical formulas. While it is useful, it should be kept in mind that every business is unique and subject to different market forces that apply in the specific market that business is in. It is neither a guarantor or absolute predictor of the success of failure of any business.