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How can I find a good contractor?

California homeowners who want to make home improvements and save money doing them may toy with the idea of hiring unlicensed workers. If you are one of them, make sure you weigh that decision carefully before taking that risk. If the work is shoddy, your property is damaged or someone gets hurt, you could be on the hook for some significant expenses that cost more than what you are hoping to save.

The Contractors State License Board suggests homeowners take the time to shop around and request written bids from three or more contractors. Be sure to give each one the same project specs so you can compare apples to apples.

When construction delays lead to a dispute

If you run a construction company, there may be a number of legal hurdles you encounter at some point, from problems involving wages and those who work for your company to issues with a developer. However, construction disputes that lead to litigation can be particularly hard to manage. Construction disputes appear for many different reasons, but in this post we will look into construction delays, one of the more common reasons for a dispute. if you are in the middle of a dispute over delays, it is essential to know what your rights are and identify any strategies to move forward with the project properly.

Construction projects are held up for a myriad of reasons, from changes to original plans and regulations to inclement weather. Whether you are upset with a contractor who has not delivered on time or you own a construction company and are facing problems because you have been unable to complete a project by the deadline, our law firm knows that these situations can be incredibly stressful. For starters, it is pivotal to identify your legal rights and figure out the best course of action when handling this dispute. Sometimes, these disagreements are able to be resolved out of court, while other disagreements inevitably lead to litigation.

How does medical debt affect people?

Despite the Affordable Care Act providing an estimated 15 million people health insurance, they did not previously have, insurance itself does not mean you will not have medical bills. For many Americans, even those with health insurance, living paycheck-to-paycheck is a way of life that is made even more difficult with an illness or accident.

According to the New York Times, an estimated 20 percent of those younger than 65 say they are struggling to pay medical bills—and these are the ones with insurance. That compares with 53 percent of that same age group who are without insurance and find it difficult to pay off medical debt. These numbers indicate the ever-increasing cost of health care in the U.S.

Understanding the bankruptcy means test

If you, like many California residents, find yourself stressing over increasingly overwhelming debt, you may be thinking about whether filing for bankruptcy may help you get back on your feet. Depending on circumstances, filing for bankruptcy may help you get that fresh financial start you need to begin rebuilding, but you may not know exactly what type of bankruptcy filing might be right for you. While the majority of modern bankruptcy filings involve the Chapter 7 format, you must first pass the bankruptcy means test if you wish to proceed with this method. At Tsao-Wu & Yee LLP, we understand how the bankruptcy means test works, and we have helped many clients rebuild financially through Chapter 7, Chapter 13 and other means.

Per Nerdwallet, the bankruptcy means test assesses your income to determine whether you can seek debt relief through a Chapter 7 bankruptcy, which is generally reserved for low-income earners. If you make too much money to qualify or a Chapter 7 bankruptcy, you may still be able to seek relief through a different bankruptcy method, such as a Chapter 13, but you must repay at least some of your debts if you proceed with a Chapter 13.

What causes your debt?

Let’s face it, no one ever wants to be in debt but unfortunately it happens every day. You are not alone; many Americans are also in debt. According to Experian’s annual study on the state of credit and debt in America, the average American has a credit card balance of more than $6,000. That is up nearly 3% from last year. According to an isolated report by the Federal Reserve, the amount of credit card debt has reached its highest point ever, surpassing $1 trillion in 2017.

Reviewing the consequences of a construction dispute

If you are a construction company owner, you likely face a myriad of problems on a regular basis. Whether you have recently been struggling with finding new projects or are having a hard time hiring the right workers, there are many different complications construction companies run into. Sometimes, disputes arise, and these can be especially contentious. As someone who runs a construction company in San Francisco, you should be aware of the potential consequences that may come with a dispute and do all you can to handle these disagreements appropriately.

Sometimes, a construction dispute can be resolved without heading to court and all parties are able to move forward. However, this certainly does not happen every time a dispute arises and some result in litigation which involves heated disagreements in the courtroom. There are countless reasons why construction disputes surface, whether they involve some part of a contract or the work that was performed. Unfortunately, an unsuccessful end result in court can have dire consequences for your company.

How can home construction warranties help protect me?

One of the best ways to protect yourself from the cost of unexpected construction defects in your new home is to buy a construction warranty. Even if your new California house looks perfect and an inspection turns up no issues, you have no idea how and when a problem might suddenly turn up. Forbes points out how to handle seeking a good construction warranty and what to expect.

Property owners who want a warranty should ask about one before a single nail has been hammered on their new home. While interviewing a contractor, owners should ask about warranties at the initial negotiating stage. In many cases, the construction company will take care of the warranty fee for the property owner. If not, the warranty will only cost a few hundred dollars for the owner.

3 Ways You Can Build Your Saving


If you’re experiencing money problems in San Francisco, building your savings account might seem like an impossible dream. However, a robust savings account is crucial if you want to remain financially stable. Savings can help you deal with any emergency expenses, as well as help you reach financial goals. offers the following advice to people who are looking to boost their savings and enjoy a bright financial future.  

How to resolve credit card debt

Credit cards can help if you are running a little short on cash, or if unexpected expenses arise. If you rely on credit cards too frequently, you may find yourself with an overwhelming amount of debt. Credit card companies often charge a high interest rate as well.

You may feel like you will never get out from under the debt. However, it does not have ruin your financial future. You have options to get your debt under control.

Chapter 7 or Chapter 13: Which is best for me?

If you are a California resident considering bankruptcy as a last resort for debt relief, you probably wonder whether Chapter 7 or Chapter 13 is best in your particular situation. FindLaw explains that while approximately 71 percent of bankruptcies are Chapter 7, this is mostly because they are easier and take less time.

Both bankruptcy types have their advantages and disadvantages. Deciding which is best for you depends on how you wish to handle your debt.

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