Sanchez & Baltazar

Filing for bankruptcy is often seen as a last resort for individuals facing overwhelming debt. From mounting medical bills and credit card balances to wage garnishments and personal loans, the bankruptcy process can offer much-needed debt relief. But if you’re wondering, “Does bankruptcy clear tax debt?” — the answer depends on several important factors outlined

Merchant cash advances (MCAs) have become a popular source of business financing for small business owners who struggle to qualify for traditional bank loans. While MCAs can provide fast access to working capital, they often come with high factor rates, short repayment periods, and terms that can quickly drain your cash flow. If you’re wondering

Facing financial trouble and considering bankruptcy Chapter 7 California? This guide covers what you need to know, including what Chapter 7 is, who can file, and how to start the process. Key Takeaways Understanding Chapter 7 Bankruptcy in California Chapter 7 bankruptcy is a legal process designed to liquidate nonexempt assets to repay creditors. The

Starting a business often means taking risks. For some small business owners, one of those risks includes using a merchant cash advance for startups (MCA) to cover immediate funding needs, as these advances are often marketed as a source of quick capital for startups. While this type of business cash advance may seem like a

If you’re asking yourself, “Can debt collectors garnish wages in California?” the answer is yes — but not without going through a specific legal process and within strict limits set by state and federal law. Wage garnishment is a legal tool used in debt collection, allowing creditors to recover unpaid debts by deducting a portion

If you’re a small business owner or part of the many small businesses dealing with the crushing weight of a merchant cash advance (MCA), you’re not alone. While MCAs can offer immediate cash in a pinch and are often marketed as a source of quick capital for small businesses, they often come with high-interest debt,

Small business owners often face unexpected cash flow shortages, especially during slow seasons or economic downturns. In such times, many turn to merchant cash advances (MCAs) for fast access to capital. While these alternative financing options might seem like a quick fix, it’s crucial to understand the risks and long-term consequences associated with merchant cash