Bankruptcy wipes out far more debt than most people expect — and a few specific kinds it won't touch. Knowing the difference up front tells you whether it solves your problem.
The moment a bankruptcy case is filed, federal law flips a switch called the automatic stay — and the collection calls, lawsuits, garnishments, and repossessions are supposed to stop that day.
The moment a divorce is filed, automatic orders (ATROS) bar canceling insurance, moving assets, or taking the kids. His Side, Her Side, and Family Code 2040.
About 95% of divorces settle. A Marriage Settlement Agreement, the six-month waiting period, and need-based fee awards shape the calculus. His Side, Her Side, and the law.
California requires full financial disclosure under penalty of perjury. Understating income, especially business distributions, carries steep sanctions. His Side, Her Side, and the law.
Under 10 years, California support is usually shorter; and the higher earner pays regardless of gender. His Side, Her Side, and Family Code 4320 and 4336.
A business started during marriage is usually community property, even if one spouse runs it. His Side, Her Side, and the neutral California law on valuation and buyouts.
When a rental burns, the lease may end by statute, the landlord may owe duties, and negligence can matter even with no insurance. The California rules.
After a declared-emergency total loss, California law eases how you prove your belongings — category inventories, a contents baseline, and advances.
Smoke, soot, and ash are covered fire damage under a standard California policy even when flames never reach your home. The claim, and the fight.