Two Orange County nursing homes, Newport Nursing and Rehabilitation Center in Newport Beach and Emeritus at Yorba Linda, both received Class “AA” citations, the most severe penalty under State law, from the State of California after investigations concluded that inadequate care at the nursing homes lead to a death at each facility, announced Dr. Ron Chapman, director of the California Department of Public Health (CDPH) and state public health officer.

Newport Nursing and Rehabilitation Center was fined $100,000 after a CDPH investigation found that the facility failed to provide adequate safety measures and supervision, leading to the patient’s death.

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We have frequently mentioned the need to challenge credit card companies when they file a suit to recover the debt owed. Credit card companies rely on one factor when filing for a judgement on a debt, and that’s the habit of most debtors to ignore the matter altogether. When the suit is not defended, the credit card company receives a default judgement; in effect, a rubber stamp on their law suit. If the credit card company is looking for a garnishment on your wages, or a bank levy, then filing for bankruptcy can stop that judgement. If the credit card company seeks to gain a lien on your property, then bankruptcy may not stop that process. T

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Most Americans are familiar with the three major credit reporting agencies: Experian, Equifax, and TransUnion. Each credit bureau assembles consumer credit transactions into a credit report and calculates a credit score. The credit bureaus also report on civil judgments, repossessions, foreclosures, and bankruptcy. Banks use this information to determine the “credit-worthiness” of applicants and the likelihood that a loan will be repaid.

The credit reporting industry is not limited to three players, Experian, Equifax, and TransUnion are simply the biggest and most recognized. A fourth large credit reporting agency is Innovis, and there are also dozens of smaller companies that collect, analyze and sell information about consumers. Sin

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The question of why wait to file for a Chapter 7 or Chapter 13 bankruptcy, when the delay only increases loss, was published as a report entitled Saving Up for Bankruptcy in a law journal in 2010.  This research study by law students Ronald J.

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