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Chapter 13 Bankruptcy

Chapter 13 bankruptcy in Florida can be difficult, and putting their faith in a lawyer you can trust is important. For most people in Florida, Chapter 13 involves the reorganization of finances over a period of 3-5 years, so you should have a bankruptcy attorney there with you throughout the case. If you have assets you want to keep, and a steady income, a Chapter 13 bankruptcy may be the answer. Under a plan of repayment, you almost always [...]

Bankruptcy Alphabet: I is for Insurance

Are you sure that you have insurance coverage on your home? You may think you do. But if you are one of many people who are: behind on mortgage payments; in the middle of a short sale; going through a strategic default; or filed bankruptcy and surrendered the home you may not have the insurance coverage that you would think is normal to protect yourself from a loss, or worse, a lawsuit. Most homeowners with [...]

Bankruptcy Alphabet: H is for HOA (Homeowners Association)

Yes, your HOA, or homeowners association, can foreclose on you. Yes, your HOA can get you out of your home and rent it to someone else. There is much confusion over what your homeowners association can do to you if you stop paying your dues. It gets especially tricky when someone is not paying their mortgage or has filed bankruptcy. Associations are feeling the pinch of the mortgage crisis too. When a significant number of [...]

Bankruptcy Alphabet: G is for Garnishment

You've been garnished. Did you know that you can get it stopped immediately? By filing bankruptcy. I may even be able to help you get some of the garnished funds back! I have been successful in making creditors who have taken funds from clients' paychecks or bank accounts return the money. But I can only get the funds back that were taken in the last 90 days. So time is certainly of the essence. You must [...]

Bankruptcy Alphabet: F is for Fixing a $5 Haircut

I have written before about hiring the cheapest bankruptcy attorney. After waiting for my clients' turns at some recent creditor meetings, people still think hiring the least expensive attorney is the best idea to get their financial well-being on track. Have you seen the TV commercial about fixing a $5 haircut? The idea is that the longstanding hometown barber sees a national chain open a cheap haircut storefront across the street.  The hometown barber obviously [...]

Bankruptcy Alphabet: G is for Garnishment

You've been garnished. Did you know that you can get it stopped immediately? By filing bankruptcy. I may even be able to help you get some of the garnished funds back! I have been successful in making creditors who have taken funds from clients' paychecks or bank accounts return the money. But I can only get the funds back that were taken in the last 90 days. So time is certainly of the essence. You [...]

Bankruptcy Alphabet: F is for Fixing a $5 Haircut

I have written before about hiring the cheapest bankruptcy attorney. After waiting for my clients' turns at some recent creditor meetings, people still think hiring the least expensive attorney is the best idea to get their financial well-being on track. Have you seen the TV commercial about fixing a $5 haircut? The idea is that the longstanding hometown barber sees a national chain open a cheap haircut storefront across the street.  The hometown barber obviously charges more. [...]

Bankruptcy Alphabet: E is for Erase

Erase Bad Credit! Only $250! Call (800) 555-5555 now to fix your credit score! You have all seen the signs pushed into the ground at highway exits, stop signs, and traffic lights. It is a great way for you to lose $250 and potentially harm your credit report more than the damage that has already been done. First of all, do you know what is on your credit report at all? The three major credit [...]

Should you file bankruptcy or divorce first?

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Bankruptcy Alphabet: B is for Bar…Date

The lysine contingency - it's intended to prevent the spread of the animals is case they ever got off the island. Dr. Wu inserted a gene that makes a single faulty enzyme in protein metabolism. The animals can't manufacture the amino acid lysine. Unless they're continually supplied with lysine by us, they'll slip into a coma and die.