When you aren’t earning the income you expected, paying for student loans can be difficult — or even impossible. If you are facing this situation, you may be considering bankruptcy as an option for escaping from overwhelming debt. Many people start by searching, “Chapter 7 bankruptcy: the liquidation option,” but there are other bankruptcy paths […]
For many people, student loan debt is one of the most significant — and stressful — types of debt they carry. You can potentially get approved for student loans worth hundreds of thousands of dollars with no collateral and no meaningful way to pay it back. This can leave you owing money on loans that […]
When someone comes into my office for the first time considering Chapter 7 bankruptcy, they often have plenty of questions, particularly once we start discussing exemptions. Florida has some unusual exemptions compared to other states. As a result, a frequent inquiry I receive is, “What is the Florida homestead bankruptcy exemption?” This is one of […]
Filing for bankruptcy can feel daunting. Many people worry that they will never get back on their feet after bankruptcy or that retirement will no longer be possible in the future. The good news is that bankruptcy doesn’t have to destroy your retirement planning. Understanding the types of retirement accounts protected in Florida bankruptcy cases […]
Determining whether you should declare bankruptcy or not is a difficult decision. Bankruptcy may help you get out of a financial hole, but it can come with downsides, too. Effectively, you are starting your financial life from scratch… which is not as hard to recover as most people think. If you declare bankruptcy, you will […]
There are multiple types of bankruptcy. Which type you choose depends on your financial situation and your ability to pay back your debt given specific types of assistance. Typically, individuals file for either Chapter 13 or Chapter 7 bankruptcy. But what is Chapter 13 bankruptcy and what is Chapter 7 bankruptcy? Understanding the differences is […]
Because of the various stigmas that surround bankruptcy, it can often be easy to forget that bankruptcy is a form of financial protection for the person who files it. Bankruptcy can potentially keep you from losing your home, business, vehicles, or other possessions, if used properly. Depending on your financial situation, it can protect you […]
Chapter 7 bankruptcy is an option of last resort for most people. This is partially because of the consequences of bankruptcy and partially because most people have negative opinions about the process and results. Bankruptcy is a process that is supposed to help people in financial distress recover when more traditional options aren’t available. But […]
Anyone can file for bankruptcy — even if they have a high income. However, there are two kinds of bankruptcy for individuals: Chapter 7 is for those with a limited income, and Chapter 13 has no income limit. Determining whether you qualify for Chapter 7 bankruptcy can be confusing, as you need to see whether […]
If you’ve filed for bankruptcy in the past, you know the powerful financial relief it can provide. When you find that your bills are once more too much to keep up with, you might be wondering if filing a second time is an option and how soon you can file. However, bankruptcy refiling rules depend […]
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Lewis Roberts, PA
1540 International Pkwy #2000
Lake Mary, FL 32746