In the past 10 years, 8.7 million bankruptcy petitions were filed in the federal courts under Chapter 7, also known as liquidation bankruptcy. Of those, 2.8 million petitions—32 percent—carried student loan debt. Why is this significant? Student loan debt is almost impossible to eliminate in bankruptcy. Given a fallacy in the law, student loan debt […]Learn More
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Black Friday and Cyber Monday—that’s amateur hour! We’ve compiled a list of five holiday shopping tips from the latest issue of Reader’s Digest that’ll help you save big on your own! Track Prices Online During the holiday season, websites constantly adjust prices of items. Savvy shoppers can watch for reduced rates and buy when the […]Learn More
The South Florida economy appears to be slowly improving; however, many homeowners continue to struggle to pay their mortgage because of unfavorable adjustable-rate mortgage (ARM) loans, negative equity, job loss and other adverse economic or personal factors. While a Chapter 7 or Chapter 13 bankruptcy may halt a foreclosure sale and provide a viable financial […]Learn More
In 2017, Vera Thomas, 62, filed for bankruptcy relief. At the time, Vera was chronically ill and had been unemployed for two years. A Dallas resident, Vera had no income, subsisted on food stamps and was facing eviction. The bankruptcy court wiped out her credit card debt, medical bills and auto loan—but not her student […]Learn More
Living Wisely: How to save enough money for summer vacation, starting now. Cutting back on a few simple luxuries each week can add up to an August getaway!
“I need a vacation.” If you’ve been saying that to yourself lately, it’s probably true. Vacations aren’t just about letting loose and having a good time—they help people de-stress, feel happier, and even boost productivity and mood. But, summer is already here and vacations cost money. ValuePenguin found that the average cost of a four-night […]Learn More
As in lots of things, timing can be everything. And the same is true in bankruptcy cases. There are multiple reasons for filing for bankruptcy sooner as opposed to later. Yet, there are good reasons for delaying a bankruptcy claim, too. The main point of this article is that, whether you file for bankruptcy now […]Learn More
It’s not uncommon to experience fear upon hearing the word “Bankruptcy.” False expectations and pre-conceived notions cloud both what a bankruptcy filing actually is, and how it can be the smartest choice in times of financial turmoil. By confronting five of the most notorious bankruptcy myths, we’ll unmask a few of these unfounded fears and walk […]Learn More
If you are filing Chapter 7 or Chapter 13 bankruptcy in Florida, you can use state exemptions to keep some or all of your property. Florida has one of the most generous sets of bankruptcy exemptions, including unlimited exemptions for homesteads, annuities, and cash surrender values of life insurance policies. In order to use Florida’s […]Learn More
You are overwhelmed with personal debt and are considering filing for Chapter 7 or Chapter 13 bankruptcy; but you are worried that in doing so, you will be unable to get a small business loan in the future. This is a legitimate concern, but it is important to remember that while bankruptcy might financially complicate […]Learn More
For many families, the holiday season does not end with the New Year but lingers on for months. Credit card bills arrive shortly after the festivities, and many are not paid off until the summer. In a survey conducted by the National Retail Federation, over two-thirds of American families do not know the true cost […]Learn More
The recent Great Recession and the wave of bankruptcy filings that followed have presented a lot of challenges for landlords and tenants. Yet, even as the economy continues to recover, there are still many retail chains, such as American Apparel and Radio Shack, turning to bankruptcy courts for relief. As this trend continues, both landlords […]Learn More
If you’ve gotten a new credit card recently, you may have noticed it has a tiny microchip embedded in it. This is an EMV chip, and you’ll likely see one in each of your cards soon. But don’t worry, this is a positive change: EMV chips make your point-of-sale transactions more secure and allow you […]Learn More
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The hiring of a lawyer is an important decision that should not be based solely upon advertisements. Before you decide, ask us to send you free written information about our qualifications and experience.
We are a debt relief agency and attorneys. We help people file for Bankruptcy relief under the Bankruptcy Code. The hiring of a lawyer is an important decision that should not be based solely upon advertisements. Before you decide, ask us to send you free information about our qualifications and experience.