Actual Harm From California Transmutation Agreement and California Uniform...
By Ryan C. Wood There will be more and more cases involving arguably voidable transactions due to the recent In re Clifford Brace California Supreme Court decision. In re Clifford Brace was about...
View ArticleWhat Are The Best Credit Cards To Rebuild Credit After Filing Bankruptcy?
By Ryan C. Wood The best credit cards to rebuild credit after filing bankruptcy are secured creditors with no annual fee. Do they exist? Yes, secured credit cards with no annual fees do in fact...
View ArticleNo Stacking of California Bankruptcy Exemptions
By Ryan C. Wood There is no stacking of the California homestead exemption pursuant to California Civil Procedure. The Ninth Circuit Court of Appeals held that Section 522(m) of the Bankruptcy Code...
View ArticleMortgage Interest and Fun With Numbers
By Ryan C. Wood Do you know how much your home will cost you? That is the total cost of the loan? Did you look at the total amount of interest you will end up paying if you make each and every...
View ArticleNinth Circuit Bankruptcy Appellate Panel Decisions – March 2022
By Ryan C. Wood As of March 6, 2022, there is one Ninth Circuit Bankruptcy Appellate Panel decision. Gutierrez v. Oregon State Department of Corrections –AP No. ID-21-1156-SGB March 2, 2022...
View ArticleHowdy Humans: Why Are Credit Card Interest Rates So High?
By Ryan C. Wood They say your credit card interest rates are based upon credit risk. It is far more complicated than that and a little history regarding interest rates is helpful. Your individual...
View ArticleCalifornia’s CCP 704.225 Exempt and Extend Necessary for Maintenance and Support
By Ryan C. Wood Howdy humans. In 2020 the State of California legislature and Governor Gavin Newsome changed the California exemptions under to California Civil Procedure Section 704. There is also...
View ArticleIs Elder Abuse Dischargeable Under The Bankruptcy Code?
By Ryan C. Wood Howdy humans. Elder abuse? Yes, elder abuse. I tell humans repeatedly bankruptcy touches all of life one way or another. Even elder abuse can become a bankruptcy issue. Bankruptcy...
View ArticleNinth Circuit Bankruptcy Appellate Panel Again Upholds Section 105(a)...
By Ryan C. Wood Howdy humans. Arguably the necessary and appropriate clause of Section 105(a) of the Bankruptcy Code was and is used to illegally amend or rewrite the Bankruptcy Code. Just like the...
View ArticleWhat We Know About Lordstown EV Car Maker’s Chapter 11 Bankruptcy
By Ryan C. Wood Howdy my fellow humans. It seems we may have lost an option for purchasing an electric vehicle in our “free” market. Actually, Lordstown was trying to develop an all electric...
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