When John lost his job, he thought he could catch up on his bills once he found work again. But months went by, and the late notices piled up. His electricity provider threatened disconnection, and his old cell phone account was sent to collections. By the time he started a new job, the overdue balances […]
Many people in Orlando face difficult financial times that lead them to consider filing for bankruptcy. Once the process is complete, they often wonder when they will be able to make big financial decisions again, such as buying a home. It’s a common question: “How long after bankruptcy can I qualify for a mortgage?” For […]
John, a hardworking father of two, had always been cautious with his finances. He worked a steady job and paid his bills on time, but a series of unexpected medical expenses and a job loss left him struggling to stay afloat. After months of trying to make ends meet, he began considering his options. Was […]
Florida’s wildcard exemption protects personal property up to a certain value in bankruptcy, especially if you do not use the state’s homestead exemption. Understanding how this exemption works can protect your financial future when you face Chapter 7 or Chapter 13 bankruptcy in Florida. A confidential case evaluation with Lewis Roberts, a Florida bankruptcy lawyer, […]
Florida’s Tenancy by the Entirety Law protects married couples in bankruptcy by making jointly owned assets off-limits to creditors, but only if the debt is owed by just one spouse and not both. This rule gives couples a significant legal advantage, allowing family homes or shared accounts to stay out of a bankruptcy trustee’s reach […]
What happens to your tax refund during bankruptcy in Florida depends on several moving parts, including the filing timing, the bankruptcy chapter, and how exemptions are applied. Florida tax refund and bankruptcy questions spark genuine concern for many, especially when those funds were already earmarked for important expenses. The rules around a tax refund during […]
If you’re struggling with debt, you might be considering bankruptcy as a possible option. Many people say that bankruptcy erases your debt, but that’s not completely true — bankruptcy can wipe out some (but not all) kinds of unsecured debt, and secured debt can sometimes be discharged. Before filing for bankruptcy, you should make sure […]
Dealing with debt can be stressful — especially if you aren’t sure how you’ll repay it. If you earn a regular income, have the ability to repay at least some of your debt, and want to keep the assets you have, declaring Chapter 13 bankruptcy may be an option for you. This form of bankruptcy […]
If you are struggling with your debts, consider bankruptcy as a solution to your financial problems. While many people fear the consequences of bankruptcy, if you are proactive and responsible, Chapter 13 bankruptcy can fix your financial situation without harming your long-term prospects. Chapter 13 bankruptcy allows you to discharge the majority of your debts […]
Your home is the most valuable property you own. Beyond its financial value, it also has significant emotional value for you and your family. Losing your home is almost unthinkable. This makes falling behind in mortgage payments something that every homeowner fears. When will the bank come calling, demanding the money it’s missing? And if […]
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Lewis Roberts, PA
1540 International Pkwy #2000
Lake Mary, FL 32746