Recent Blog Posts
How Chapter 13 Bankruptcy Works in Florida: A Step-by-Step Guide
You fall behind on a few mortgage payments. The letters start arriving from the lender. Soon, you find yourself checking the driveway every morning to see if your car is still there. Financial pressure begins to dictate the rhythm of your daily life, creating a constant underlying stress that is hard to shake. You… Read More »
Florida Bankruptcy Means Test: Do You Qualify for Chapter 7?
If you are struggling with debt, filing for Chapter 7 bankruptcy can offer a powerful fresh start. But if you have a steady job, a working spouse, or a household income that simply feels high, you might be worried that you earn too much to qualify. Many people in Florida hesitate to even explore… Read More »
Florida Bankruptcy Exemptions: What You Can Keep When You File
The thought of filing for bankruptcy often brings up a deep, lingering fear. Many people worry that the court will take everything they own, leaving them without a place to live, a way to get to work, or the savings they rely on. If you are struggling with debt, you might be holding off… Read More »
Florida Statute of Limitations on Debt: Can Collectors Still Sue You for Old Debt?
Imagine receiving a sudden letter or a phone call demanding payment for an old medical bill, a personal loan, or a credit account from many years ago. This unexpected contact can be highly stressful, especially if you believed the financial obligation was long forgotten or completely resolved. Your first instinct might be to offer… Read More »
Understanding Wage Garnishment and What You Can Do to Stop It
No one intentionally falls behind on their bills, and when someone is unable to make a house payment or a car payment or a student loan payment, it is likely because he or she does not have the extra funds to do so. So why does it make sense for creditors and federal agencies… Read More »
Debt Consolidation or Bankruptcy: Which is Better?
If you are drowning in debt and are looking into debt relief options, you may be wondering whether debt consolidation will work for you or whether you should file for bankruptcy. While both options have their merits, you should first note that the federal government requires all potential bankruptcy filers to go through credit… Read More »
You Can Stop Foreclosure and Save Your Home, and Here’s How!
If you have fallen so far behind on your mortgage payments that you have received a notice of foreclosure, we understand that you may be feeling worried and scared about what foreclosure may mean for your future. While worry and fear are perfectly normal emotions to feel at this stage in your life, they… Read More »
What Does it Mean to Reaffirm Your Debt After Bankruptcy, and Should You do It?
Filing for bankruptcy may be the best thing you do for your financial future, but depending on which bankruptcy you file for, you may lose everything that still has a loan attached to it. This includes your home and your vehicles. If you are in a situation where Chapter 13 is not right for… Read More »
Should I Pay An Old Medical Bill in Collections?
Medical bills are one of the worst kind of bills to have as a) they are expensive even with insurance and b) they often come at a time when you are either too hurt or ill to work. For these two reasons, many medical bills end up making their way into collections, leaving the… Read More »
What is a Deed in Lieu of Foreclosure, and is it a Good Deal for You?
A deed in lieu of foreclosure is precisely what it sounds like: in order to be released from your mortgage obligation, you must sign over the deed to your home to the bank. Typically, homeowners file for a deed in lieu when they have received notice of foreclosure from the bank, and they want… Read More »
