Gold and Hammes in the News

Jim Gold and Norma Hammes have been leaders in the bankruptcy community for over 40 years. Some of their achievements include:

  • Beginning in the 1980s, they helped develop consumer-oriented bankruptcy case law locally, in California, the western United States (9th Circuit U.S. Court of Appeals), and the U.S. Supreme Court including cases on lien valuations and avoidance, particularly limiting money car lenders can demand from Chapter 13 clients.
  • Norma testified before Congress (1998).
  • Both Jim and Norma testified before the National Bankruptcy Review Commission (1996-7).
  • Both Jim and Norma were co-founders of the National Association of Consumer Bankruptcy Attorneys (NACBA) in 1992.
  • Norma served as President of NACBA (1997-2001), as a Director (1992-2009) and still serves on NACBA’s Legislative Committee.
  • Jim and Norma have both served as Chair of the local Chapter 13 Committee several times since 1990.
  • Both have received numerous awards for service to the bankruptcy community in Santa Clara County and nationwide.
  • Both have served as legal education panelists and moderators at numerous events across the country, sponsored by organizations including NACBA, the National Association of Chapter 13 Attorneys, and the American Bankruptcy Institute.

Jim and Norma have been quoted in news articles and referenced in reports over many years.

2017: NACBA. 25 Years of Raising Hell, the Education, Advocacy & Litigation That Shaped NACBA.

2016: The Bankruptcy Soap Box. Little Guys, Big Banks, And The Quest For Change

2015: California Senate Standing Committee on Judiciary. Hearing on SB 585

2011: Center for Public Integrity. Obama’s new plan for underwater mortgages may be too little too late

2011: CreditSlips. Principal Pay Down in Chapter 13 as a Means of Foreclosure Prevention

2010: NACTT. Academy Webinar (HAMP in Bankruptcy) announced

2010: Bay Area News Group. The Housing Bubble – The Next Michigan?

2009: Mortgage Professional America. A Time for Good Judgment

2009: NACBA Convention Keynote Speaker and recipient of Extraordinary Service Award (Norma)

2006: University of Texas School of Law, Continuing Legal Education.  Speaker at the 2006 Consumer Bankruptcy Practice Conference

2006: ABI. A Year After BAPCPA 

2005: New York Times. Bracing for a bankruptcy rush

2003: Chicago Tribune. Equity borrowing begins to raise bankruptcy concerns

2001: San Francisco Chronicle. New bill to make bankruptcy filing harder than ever

2001: Businessweek. The bankruptcy business is booming

1998: Talk of the Nation (NPR). Bankruptcy bill update

1998: NACBA Praises Defeat of Credit Card Company-Sponsored Bankruptcy Bill

1998: U.S. House Judiciary Subcommittee on Commercial and Administrative Law. Testimony

1998: American Bankruptcy Institute (ABI) – National Bankruptcy Review Commission

1998: New York Times. A bankruptcy rush, Just in case

1997: ABI Consumer Bankruptcy Reform Forum in Alexandria, VA.

1997: The Augusta Chronicle. Pay off debt weighed

1996: Businessweek. Best moves if you’re broke

Regional Application

This information is only applicable to people who live in Santa Clara County, California, USA. In the USA, the bankruptcy law is a federal law that applies in all states. The property that can be protected (“exempted”) by people who file bankruptcy is prescribed by state law, however. Bankruptcy, property, and exemption law is further affected by court decisions that apply in certain geographic areas. If you live in the USA, but are outside of Santa Clara County, please consult an attorney in your own area.

General Information

The information contained in this web site is general in nature. Bankruptcy law is extremely complex and it is easy to misunderstand how a general description might or might not apply to you personally. In order to find out how this information applies to you personally, you will need to discuss it in detail with one of our attorneys.

Debt Relief Agency

Federal law states that attorneys who represent people in bankruptcy cases are “debt relief agencies.” Gold and Hammes represents people (and small businesses) in bankruptcy – in fact, that is the only type of law we practice. Therefore, Gold and Hammes is a debt relief agency.