Today, an appeals court ruled proposition 8 unconstitutional giving same sex couples the right to marriage in the state of California.

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If you are considering a bankruptcy due to non-payment on debts, this is probably a moot point. In most cases people considering bankruptcy already have poor credit and bankruptcy will actually help improve your credit.

To begin with, you must understand what your credit score is and why you need it. In reality your credit rating is used for three things – to buy a house, to buy a car, and to get more credit.

Sometimes used for your job or a character ...

Homeowners who are losing sleep under the crushing weight of a delinquent or unaffordable mortgage are often faced with the quandary of how to get out from under the mortgage.

Should they try to keep it? Walk away? And if they walk away, what’s the best means of doing so? Let it go to foreclosure? Surrender it in a bankruptcy? Will they ever be able to buy a home again?

Lenders may or may not modify, but even when they do it ...

We hear this question a lot from clients who live in condominiums or communities that require the homeowner to be a part of a home owners association (HOA) to share communal maintenance fees. And if they don’t ask we let them know anyway.

Unfortunately, the answer is yes.

HOA fees are fees that arise from a contract between the homeowner and the HOA. Under the bankruptcy code HOA fees that accrue after you file for bankruptcy are the responsibility of the homeowner.

As came to ...