Law Office of Malcolm Ruthven
Summary
Main Office
4040 Civic Center Drive – Suite 200
San Rafael,
CA 94903
415-342-4666
Websites
Geographies
Office Locations
Main Office - Marin County
4040 Civic Center Drive – Suite 200
San Rafael, CA 94903
San Francisco Financial District - Spear Tower
San Francisco, CA 94105
Sonoma County - Petaluma
Just off Hwy 101
Petaluma, CA 94954
Guiding People in Financial Distress through the Complex Arena of Bankruptcy Law
Fresh Start
A fundamental goal of the federal bankruptcy laws enacted by Congress, our representatives, is to give debtors a financial "fresh start" from burdensome debts. The U.S. Supreme Court made this point about the purpose of the bankruptcy law way back in a 1934 decision: "[I]t gives to the honest but unfortunate debtor…a new opportunity in life and a clear field for future effort, unhampered by the pressure and discouragement of preexisting debt." This is a powerful statement of public policy.
Save your assets!
A Fresh Start works best when you're left with assets the bankruptcy law allows you to keep. If you've depleted those assets before your discharge in bankruptcy, you've lost one large benefit of bankruptcy that congress gave you.
Articles Written
If I File for Bankruptcy is My Credit Ruined?
Created On: 04/09/2010
One of the most common concern my clients have is how filing for bankruptcy is going to affect their credit score. Obviously, having a bankruptcy on your credit report is going to do some...
We Don't Want to File for Bankruptcy!
Created On: 04/05/2010
Nobody wants to file for bankruptcy, and most of us were raised and taught that repaying debts and paying bills is what a good, honest person does. Sometimes though, good, honest people get...
Case History
Recent typical case
Practice Area: Bankruptcy
Description: A recent case was also a typical one, in which a person found herself with one overwhelming debt plus large credit card debt and no job! She had changed her living situation to accommodate the lack of a job, but simply couldn't make the payments on her debts. After thorough and careful preparation, she went through the meeting with the bankruptcy trustee in less than five minutes and is on her way to a Fresh Start.
Outcome: A Fresh Start!
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