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The Front Yard and Bankruptcy

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There are dozens of identifiable economic events that cause someone to file for the protection of a bankruptcy. Sometimes the cause is as simple as rainfall, or shall I say the lack of rainfall.

In April of 2015 the Governor of the State of California, Jerry Brown, signed an executive order imposing mandatory restrictions on water use. See full text of the order:  http://gov.ca.gov/docs/4.1.15_Executive_Order.pdf. What that entailed was a State wide reduction of water consumption by at least 25%. This was due to the lack of snow pack over the winter months, and therefore, the lack of melting snow pack for water.

Keeping the front yard green is not only a costly proposition, but also leads to up to 80% of household water consumption in the summer months. That is a lot of water. This has led to the conversion of the green grass front lawn to either fake yards, or drought tolerant yards. This is happening at a rapid pace and estimates are that over 3000 homeowners are making the switch, per week. AP:  http://www.nytimes.com/aponline/2015/05/26/us/ap-us-california-drought-lawn-rebates.html?_r=0

Did I mention that lawn care, mowers, blowers, fertilizer, etc, is not good for the environment? Well, it is not. Think about the runoff and the emissions.

So what does all of this have to do with my office and the practice of bankruptcy? The trickledown effect of maintaining the grass, cutting the grass, irrigation upkeep, and over all landscaping is that the small and medium size companies will be losing their client base. The mom and pop crews that charge $40.00 once or twice a month to service single family residences will be losing those clients at a rapid pace. This loss of their income stream will cause them financial hardship. Many landscaping companies will be unable to address their household needs and will need some sort of debt resolution, debt management, and perhaps even bankruptcy.

Planning for this inevitable consequence is essential. Before anyone, who is faced with some sort of financial hardship, borrows against savings or starts liquidating assets, a consultation with an expert in the field of debt management and resolution is necessary.

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D.J. Rausa

With over 21 years of experience as a consumer bankruptcy attorney, D.J. Rausa stays on the cutting edge of Bankruptcy and Student Loan Law which enables him to provide vital information to his clients.



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Thank you DJ!

I had no idea where to start with my bankruptcy and process. After my first meeting with DJ I felt confident that things were going to go well. He helped guide me through the entire process and time. 

He's very professional and courteous, thorough and extremely knowledgeable. 

I would recommend anyone that needs a bankruptcy lawyer/ student loans. 

Don't have a second thought when choosing DJ Rausa!

Posted by a client - February 15, 2016

AVVO Lawyer Rating is Superb!

Respected Legal Source

D.J. Rausa interviewed by the Wall Street Journal for article on Bankruptcy and Student Loan Debt.

D.J. Rausa is recognized as a legal expert in Student Loan Debt Resolution and the associated Bankruptcy Laws.

Read what D.J. recently told The Wall Street Journal regarding the probable rise in Student Loan Debt Resolution through Bankruptcy.

Client Testimonial

To whom it may concern,
Mr. Rausa is extremely knowledgeable with the complexities of Federal Student Loans.
I went from a thriving career to full medical disability, ending with an SSDI placement. Unfortunately, I lost everything and became unable to continue making the student loan payments, so it was in deferment for over five years. When the SSDI settled I tried to negotiate an affordable payment plan with the loan holders but they refused my efforts, instead demanding over twice the amount I could afford.
I contacted Mr. Rausa and found him to be courteous, responsive and quick to assess my situation. He was sure he could help and took time to answer all questions, which relieved much anxiety. Within months he successfully resolved the debt! With much confidence, I highly recommend Mr. Rausa.
Please contact me if you have any additional questions.
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