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 […]
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 […]
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 […]
If you’ve recently lost your job and the bills are piling up, you might begin to wonder, “Can you file bankruptcy while unemployed?” The good news is you’re allowed to file for bankruptcy while you’re unemployed. However, before doing so, it’s important to consider whether it’s the best way out of your current financial situation. […]
Chapter 7 bankruptcy is a way for individuals to regain some financial traction and get their affairs back in order. Because Chapter 7 may involve the liquidation of a petitioner’s assets, petitioners often wonder which assets they are permitted to hold on to, such as cash in a savings account. The answer is that Florida […]
Managing your finances can be challenging when you become overwhelmed with debt. No one tells you about this trap when offering easy financing and low-interest rates. For many consumers, Chapter 7 bankruptcy offers a fresh start, with 239,125 filings this year. Your child support is one of the sticking points when discharging your debt and […]
Student loans make it possible for millions of people to attend college every year. By the time it’s all said and done, Florida residents may have several loans with various interest rates to pay back. This is an expensive proposition for the majority of borrowers. I often help clients deal with their federal student loans […]
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Lewis Roberts, PA
1540 International Pkwy #2000
Lake Mary, FL 32746