Sanchez & Baltazar

For many small business owners, cash flow challenges are a reality. When unexpected expenses arise, or growth opportunities demand immediate capital, business owners often consider alternative financing options. One increasingly popular option is a Merchant Cash Advance contract (MCA).  While MCAs promise fast access to funds, there are important details in a merchant cash advance […]

Many people wonder: why do people file bankruptcy? The truth is, there isn’t just one reason—there are many other reasons people find themselves in this position. Bankruptcy is a legal process designed to provide debt relief when unmanageable debt becomes overwhelming. It can offer individuals a fresh financial start, but it also comes with a

If you’re thinking about filing bankruptcy in California, it’s critical to understand how California bankruptcy exemptions work. These exemptions determine what property you can keep during a bankruptcy case, helping you protect your assets from unsecured creditors.  California bankruptcy exemptions are part of bankruptcy law and are specifically designed to protect property from creditors during

When small businesses face urgent financial needs, a Merchant Cash Advance (MCA) can seem like a lifeline. These loans offer quick access to capital, often with a simplified approval process that doesn’t depend on credit score or substantial assets.  But before diving in, it’s crucial to look at the merchant cash advance pros and cons

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