Client
is 47, single and a registered nurse. Her income is good at $80K a year. She
has no dependents except her mom who lives with her. Despite her good income,
she has a default on her mortgage for $50K. She had an affair with a married
man who promised her that he would divorce his wife and marry her. That never
happened. But what did happen was, client had given the guy about $50K in cash
for his various business endeavors ( so he claims), all of which failed so he
never paid her back for the $50K. Where did client get the $50K? Instead of
paying her back the $50K which she had lent to him in the name of love and
romance, truth be told, she didn’t really care if she paid her back. She just
wanted to be his “mujer,” his woman. The guy must have been the male version of
Anna Nicole Smith who was playboy playmate of the year in 1993 when she met the
man of her dreams, well let’s just say a half a century older than the man of
her dreams, the 90-year-old billionaire J. Howard Marshall. She eventually
filed for Chapter 7 in Los Angeles because of a lawsuit against her for $40M.
Her husband died a year or two after they wed, from exhaustion from you know
what, and left her nothing in his will. Instead, he left his $1.6 B fortune to
his eldest son with his first wife.
The
bankruptcy judge in Los Angeles believed her testimony that she loved her
husband and that her husband had orally promised her “half his fortune, if I
married him.” The bankruptcy judge nullified the will and awarded her $500M of
her husband’s fortune. Then everybody died. First Anna Nicole Smith’s twenty
year old son with her first husband died from a drug overdose. Then Anna
herself died soon after her son’s death from overdose of prescription drugs and
grief from her son’s death. Then the 67-year-old son of Marshall died from an
“aggressive infection”. Eventually the U.S. Supreme Court ruled that the Los
Angeles bankruptcy judge had no jurisdiction awarding Anna $500M of Marshall’s
estate because that was not a bankruptcy issue. So, the $500M owner is the
estate of the Marshall’s 67-year-old son who died. So what good does chasing
money do for you when death surely “comes like a thief in the night” (1
Thessalonians 5:2). We don’t know the day and the time or hour of our death, do
we? You can be a 4 year old having a good time in Disney world when out of
nowhere a six foot alligator drags you into the water and you die. Or, you can
be a twelve year old thinking you are about to be thrilled at the most awesome
water slide in the world but in the next few seconds your head will be severed
from your body. Youth does not guarantee that you will not die. We all know
this. You can have $6B and own the largest tech company in the world with
products the entire world wants, but with all your billions at your disposal,
you’re not able to save yourself from dying from pancreatic cancer like Steve
Jobs. Was it within his great wealth and power to invent a man made pancreas to
save himself? So, great wealth, power, even absolute power cannot save you from
certain death. Only Jesus Christ has proven God’s power over death as He
resurrected on the third day from his death on the cross 2000 years ago on Mt.
Calvary, and before that, He resurrected many people from the dead. You don’t
want to die and end up some place you don’t want to be, just because you
believed in a false god, do you? The time to decide is now, when you are still
alive and still possess your wits about you. This is a lot more important than
your life insurance. This is insurance for your soul for eternity, which does
not cost you anything except the right choice. Ok, have it your way, die and go
straight to hell and share your cell with Hitler. Is this what you really want
- eternal damnation because you made the wrong choice? You don’t even have a
tenth of the brain of Stephen Hawking, the alleged smartest man on this earth,
and even Mr. Hawking with all his super duper brain power, cannot cure himself
of Lou Gehrig’s disease and is permanently immobile.h
The
first commandment of the Ten Commandments states, “I am the LORD thy God, who
brought thee out of the land of Egypt, out of the house of bondage. The shalt
have no other gods before me.” Yes, Yahweh, Adonai, El Elohim, El Shaddai,
Jehovah, He is the ONE TRUE GOD! He sent His one and only beloved son Jesus
Christ to die for us so that we can have eternal life with them in paradise.
What a wonderful God He is! Almighty and all loving!
Client
came to see me a day before her auction sale date. We did an emergency filing
on the same day to stop the foreclosure. But the bank nevertheless foreclosed
on client’s house and shortly thereafter filed a lawsuit for eviction. Is that
foreclosure valid, no way Jose! That foreclosure was in violation of the
bankruptcy automatic stay, therefore null and void. So, we filed an answer in
state court saying the foreclosure was null and void, and we filed a motion in
bankruptcy court to have the court order the reversal of the foreclosure sale
and fully expect that client will win on both. She will keep her house, but not
her lover, who has dumped her for another good income lover, this time, he has
hooked up with a medical doctor who is a general practitioner. What’s with women
nowadays? We are about to have the first woman president of the United States
of America, Hillary, as you know, I’m with her. But in this day and age, women
still believe they need to be married to a guy to make them happy even if they
have achieved so much success in their lives. Did Wonder Woman ever get married
to Batman? I don’t think so.
The
next client is 55 and married. She has $30K of credit card debt. She lost her job
2 years ago and is now self-employed in a multi level business. It’s not doing
that great. She makes about $1K a month. That’s just enough to cover monthly
minimum payments on the $30K credit cards. If her husband was still working,
she could probably stay afloat, but husband was also terminated recently from
his $60K job with a large company. He’s tried to look for an equivalent paying
job but all he could get are minimum wage jobs that do not use is skill or
experience. There are lots of jobs in food service but he doesn’t want those
jobs. So he decided to take early retirement. He’s resting for a year and will
claim early retirement next year at 62. Not a bad plan. Fortunately, they have
adult children who are helping them out. So, the only problem now is to
discharge her $30K of credit cards. No doubt, Chapter 7 is the right solution.
The
third client is 65 but still works. He owes only $10K credit cards. But at his
age, every dollar counts. He is now on Medicare, which comes in handy for his
prescription drugs for diabetes and hypertension. But he still works his full
time job, which pays him $2K monthly. Not much, but it helps. Wife used to work
as a caregiver but her patient just died. Client opts for Chapter 7 to
discharge $10K of credit cards. It’s the right decision.
“HOLY, HOLY, HOLY IS THE LORD GOD, THE
ALIMIGHTY, WHO IS, WHO WAS, AND WHO IS TO COME! YOU ARE THE ALPHA AND THE
OMEGA, THE BEGINNING AND THE END. HEAVEN AND EARTH ARE FULL OF YOUR GLORY!”
REVELATION 4: 8
Lawrence B. Yang is a graduate of Georgetown University with a Master’s Degree in Law and specializes in Bankruptcy, Business, Real Estate and Civil Litigation. He speaks English, Mandarin and Fujian and has successfully represented thousands of clients in California, including companies overseas. Please call Angie, Barbara or Jess at (626) 284-1142 for an appointment at 1000 S. Fremont Ave., MAILSTOP 58 BUILDING A-1 SUITE 1125, Alhambra, CA OR at 20274 Carrey Road, Walnut, CA 91789.
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