2019 February Paso Robles Magazine

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Clip and Save Clip and Save Are YOU Drowning in Debt? It will only get worse. Good people get into financial trouble. Our laws are designed to help people start their financial (and emotional) lives over, very quickly. Bankruptcy is one solution to debt problems; Richard Rossi will explore all your alternatives in your FREE first meeting. Bankruptcy is a Constitutional Right. Why? Simple. Reasonable people get into financial trouble that they cannot get out of. Getting started: Yes, first call for an appointment. Then make a list of the property you own (home, cars, retirement, etc.) and a list of your debts. You can estimate the amounts owed. List car loans and monthly payments, same with RV and motorcycles, and a list of credit card and personal loans all on one page. You are done! Bring the list with you to the meeting. Clip and Save Most often clients decide to stop paying credit cards when they meet with attorney Richard Rossi. Immediate Relief. And, you can afford an attorney; we accept payments. Should Seniors consider bankruptcy. Absolutely. Given their fixed income, they usually don’t have the ability to replace savings and investments. Retirement accounts and Social Security are property they CAN KEEP by law. Never borrow against a retirement account or equity in a home to pay unsecured debt. Get a Local Attorney, one who you can meet in person, like Richard Rossi. When speaking with an attorney, ask where the attorney’s office is located. One Testimonial: “Richard Rossi helped me through a very financially difficult time in my life. He took control of the situation and eased my anxiety. He is very knowledgeable about credit law and conducts himself in a very professional manner. I do not hesitate to recommend Richard and his staff to anyone seeking help with money matters.” Bill from AG Turn the page for more information. OUR OFFICES <strong>Paso</strong> <strong>Robles</strong> 515 Spring Street Tel: 805-238-0238 San Luis Obispo 11573 Los Osos Valley Rd. Tel: 805-541-1044 sanluisobispoattorney.com Clip and Save
Clip and Save Clip and Save More Information on Getting Debt-Free Live Again! 1. Will you lose property if you file bankruptcy? No. That is why you have an attorney. In preparing your legal documents we carefully analyze the property you own, so you can keep it, as the law allows. We don’t file unless we know you can keep your property. Once in a while, very rarely, someone has property that cannot be kept in a Chapter 7 bankruptcy, so we suggest an alternative remedy for your debt problems. 2. Will bankruptcy ruin your credit forever? No. In most cases, bankruptcy will provide the quickest way to good credit. Certified Financial Advisor Liz Weston’s article “Filing for Bankruptcy May Actually Help Credit Scores” is available from Richard Rossi. 3. Do you need an attorney? Yes. You cannot afford not to have an attorney. An attorney can make sure your keep your property, and give you peace of mind. 4. Who will know you filed for bankruptcy? Probably no one, except your creditors, unless you disclose the fact - which many of my clients have done because their bankruptcy provided so much relief and peace of mind. NO DEBT- Nice. 5. Which debts are cancelled by bankruptcy? Generally all debts, except child support and alimony, student loans, taxes, restitution for a criminal act and debts incurred as the result of fraud. Taxes may be cancelled if they are old enough; this is something we discuss in your FREE first meeting. 6. If you're married, must both of you file? No. Oft-time the debt is only in one spouse’s name, so the other may opt not to file and so will not have a bankruptcy on their credit history. 7. If you‘ve been sued is it too late to file for bankruptcy? No. The moment you file a bankruptcy the lawsuit is stopped (as are foreclosure sales of homes, and creditors’ calls). If a creditor has a judgment against you and is garnishing your wages, the bankruptcy will immediately stop it. The debt you were sued for will be cancelled in the bankruptcy. Religion and Bankruptcy: By Dr. Michael Russell (reprinted with permission): “In Deuteronomy 15, Moses reveals God’s concern with perpetual or chronic debt among His people. Moses says, ‘At the end of every seven years you shall grant a remission of debts...’ It has puzzled me over the years why Christian leaders have stressed – almost legalistically at times – that debts have to be repaid no matter what. According to these experts (who often lack theological training), to fail to do so is to sin and reflects spiritual bankruptcy...I reject – that conclusion. God is a God of grace; capitalism knows nothing of grace...Christians need to recognize...the grace of God and that He is, once again, shown to be a God of new beginnings.” (The entire article is available from Richard Rossi.) Testimonials: “Mr. Rossi is a great advisor when it comes to Bankruptcy Law. I went for advice and he with honesty told me all the right things to tell my creditors with out taking a cent. I would highly recommend Mr. Rossi to anyone who needs a service like Bankruptcy as unpleasant as that sounds. I found out I did not need it after all! Thank You Mr. Rossi!” ~ Carolyn M. “When I finally decided to file for bankruptcy a friend recommended Mr. Rossi. After struggling just to keep up with the interest payments on my credit cards it was such a relief to hand everything over to Rick and Debra. Rick made sure I understood the process from start to finish. He made sure that all the collections calls stopped and he ensured that I knew I wasn't a deadbeat for filing bankruptcy and I was able to keep my car. The entire process only took 6 months and I only had to go to court once in Santa Barbara.” ~ Jessica H. Santa Maria ROSSI LAW It’s Time for a New Life Call Richard Rossi – 541-1044 or 238-0238 Clip and Save We are a debt relief agency; we help people file for bankruptcy under the Bankruptcy Code. Clip and Save
Page 1: PEOPLE | EVENTS | SHOPPING | DINING
Page 6: FEATURES contents February 2019 22
Page 9 and 10: G et Crafty with Recreation Service
Page 11: By Meagan Friberg Sweet Art celebra
Page 15 and 16: Finest cuts of steak and sustainabl
Page 17 and 18: We appreciate the time, effort, and
Page 19 and 20: Organics (Green Container) Green Wa
Page 21 and 22: TEMPLETON Free haircut with a color
Page 23 and 24: Wine Country Runs Half Marathon Run
Page 25 and 26: February 2019, PASO Magazine pasoma
Page 31 and 32: (805) 550-9891 snslaundromat@gmail.
Page 33 and 34: $50 - Bottle 2015 Stasis Pinot Noir
Page 35 and 36: LOCAL GOODS REPORT from General Sto
Page 37 and 38: Paso Robles and from 1937 to 1938 t
Page 39 and 40: Closed Saturday and Sunday February
Page 41 and 42: 1.0 0.8 0.6 0.4 0.2 0.0 THE NATURAL
Page 43 and 44: Veterinary Tails By Dr. Ryan Ehling
Page 45 and 46: By Meagan Friberg Photos by Hayley
Page 47 and 48: North SLO County Activity & Events
Page 50 and 51: Paso Robles Wine Country Alliance f
Page 52: Food Pairings Weekly Fridays Dinner

2019 February Paso Robles Magazine

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