Sanchez & Baltazar

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 […]

Filing for Chapter 13 bankruptcy is a significant step for anyone seeking relief from overwhelming debt. One of the most critical parts of this bankruptcy proceeding is the confirmation hearing, where the bankruptcy court decides whether to approve your proposed repayment plan. At the confirmation hearing, attorneys for both debtors and creditors may be present

Filing for bankruptcy can offer a fresh start, but sometimes the financial situation of a debtor changes after filing. In such cases, converting from Chapter 7 to Chapter 13 bankruptcy may not only be possible but also beneficial. The bankruptcy code allows for this conversion process, offering a path to keep valuable assets while developing

A Chapter 13 Bankruptcy 13 Attorney can help you create a manageable debt repayment plan, protect your assets, and guide you through the complex legal process. This article will explain their role, how to choose the right attorney for Chapter 13 bankruptcy, and what to expect during the process. Key Takeaways The Role of a

Filing for Chapter 7 bankruptcy is often seen as a financial lifeline for individuals drowning in unsecured debt, such as credit card debt, medical debt, or personal loans. However, before you file, it’s important to understand the total bankruptcy cost involved in the bankruptcy process, because even though it offers bankruptcy protection, filing isn’t free.

California Merchant Cash Advance is often marketed as a quick and easy funding solution for small businesses, but it comes with significant risks. Merchant Cash Advances typically carry extremely high interest rates and aggressive repayment terms, which can quickly spiral out of control, especially if business revenue dips. Many business owners find themselves trapped in

Merchant cash advances offer fast cash to businesses in exchange for a portion of future credit card sales, which is a popular form of business financing . Get ready to explore how MCAs work, how quickly you can get funds, and the pros and cons to help you decide if it’s the right choice for