Great news!

The State of California has taken a great step.  

This Bill, would change the way employment law and bankruptcy law can go hand int hand.

The existing state law, an employer may request a credit report for employment purposes so long as he or she provides prior written notice of the request to the person for whom the report is sought.

This bill would prohibit an employer or prospective employer, with the exception of certain financial institutions, from obtaining a consumer credit report, as defined, for employment purposes unless the position of the person for whom the report is sought is (1) a position in the state Department of Justice, (2) a managerial position, as defined, (3) that of a sworn peace officer or other law enforcement position, (4) a position for which the information contained in the report is required by law to be disclosed or obtained, (5) a position that involves regular access to specified personal information for any purpose other than the routine solicitation and processing of credit card applications in a retail establishment, (6) a position in which the person is or would be a named signatory on the employer’s bank or credit card account, or authorized to transfer money or enter into financial contracts on the employer’s behalf, (7) a position that involves access to confidential or proprietary information, as specified, or (8) a position that involves regular access to $10,000 or more of cash, as specified.
This bill would also require the written notice informing the person for whom a consumer credit report is sought for employment purposes to also inform the person of the specific reason for obtaining the report

Bankruptcy and Student Loans

The website AVVO is a great resource for anyone who has a legal or medical question.  As an attorney, I am interested in seeing what others attorney opinions are.

There are a number of lawyers who have opinions, and their opinions.  From what I have encountered most of their opinions are really spot on. Yes you will have some wrong ones, but there always has to be a bad bean in the bucket.

This Article was written by an attorney who is licensed in California.  However, many of the articles are from out of state so you have to pick and choose which one best fit your local rules. However, in bankruptcy the Federal Rules are universal so a lot of what other attorneys state apply to California as well.

The Article is great resource for your options regarding student loan debt and bankruptcy........ Hopefully it will give you some insight as to what your options are.

UnPaid Credit Cards

Has this happened for you?

With the rise of unemployment many individuals are stuck not paying there bills.  What happens,  late charges, and interst fees will be increased.

The debt just doe not go away.   The debt will follow you,  it can ruin your credit, and even prevent you from obtaining employment.

This article gives advise on what to do if you are behind on your bills.

I agree with most of the suggestions, as calling your credit card company can be tricky, but most are willing to work with you.

Sometimes by using an attorney you will be able to negotiate better terms, or payment plans.  Then of course if you are so far behind, and you don't see income increasing you might be best to file for bankruptcy and get a fresh start.

The Attorneys at Arroyo Law Firm can assist you in determining what is best for your financial needs.

My Boss is a Jerk?

Have you ever thought this?  Have you ever repeated  this?  Did you know that it is not illegal for your boss to be mean, or to be a jerk.  In fact may cases have been lost because the Court have ruled that it is not illegal for your boss to be a Jerk.

Many Clients feel that they have the right to sue, because they were fired or quite because their boss was a jerk. When in reality they have to meet certian criteria before they can sue.

The number one reason for employment law calls to the Arroyo Law Firm is that they were fired, because there boss did not like them.  Our first question is WHY?

If one of our clients is facing troubles at work, the best advise we can give them is DOCUMENT! DOCUMENT, DOCUMENT.

Gathering all the information prior to termination will help us prove your case.

If you believe you have been wrongfully terminated, The Arroyo Law Firm, can assist you. Give us a call for a free Consultation 714-566-4112.

http://www.arroyofirm.com/

New Website!

The Arroyo Law Firm just launched their new website.

Check us out,  We offer a free 30 minute legal consultation.   We can help you answer all of your legal questions.


www.arroyofirm.com

Debt Collectors! How Far is Too far?

Have you ever received a phone call from a debt collector?  If so you will know that they are pushy and sometimes just plain mean.    I have read horror stories about debt collectors harassing, yelling, cursing, and threatening patrons because they were late on their bills.

Yes, I understand that these patrons took out money, spent on a credit card, however in most cases the people had full intentions on paying the bill back. Sometimes, life just happens. Events happen that doesn't allow for the cable to be paid on time.  There is definitely no need for harassment over an unpaid bill.

This Article, encompasses everything that I was saying.  Debt Collectors are going crazy with the ways they are trying to get you to pay.

If you or someone you know is having financial difficulties let us help.  The Arroyo Law Firm is here to help ease your financial mind.


With one easy phone call we can sit down and work out a plan towards your financial freedom.

Regulation of Marketing of Financial products?

As a bankruptcy attorney, I have seen many clients in financial distress.  The economic downturn has hurt their piggy banks.   In 2007 or prior a lot of consumers were purchasing houses at an unbelievable  rate.  The real estate market was at an all time high, while more and more consumers were qualifying for home loans.

I think the government is taking a step in the right direction by creating the  Consumer Financial Protection Bureau (CFPB).  This Bureau was created to "Educate, Enforce and Study". The first task of the CFPB is discussed in this article.  They want to regulate how "non-banks" advertise.

While I believe it is important for "non-banks" to be regualted, I also feel BANKS need to be regulated as well. As I know from first hand experience that the traditional bank was giving out financial freedom to consumers who in a normal economy would not have qualified.

If you are one of those consumers, who is in need of a little help,  Please feel free to give the Arroyo Law Firm a call.  We offer free consultation, and can let you know your rights.