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 […]
If you are considering filing for bankruptcy, you might already know that you can qualify for Chapter 7 only if your income is sufficiently low enough. Chapter 13 bankruptcy is an option for those who are ineligible for Chapter 7. So what is the Chapter 13 bankruptcy means test in Florida? Here’s a closer look. […]
Florida Chapter 13 cases often come with questions about cars. Clients frequently own or are financing an automobile and are worried about losing their car when they file a Chapter 13 petition. This is a reasonable concern, especially since the main benefit of Chapter 13 bankruptcy over Chapter 7 bankruptcy is that it is supposed […]
What do you do when the bills are piling up and you are no longer able to pay them all? There are several answers to this question, depending on your circumstances. For example, if you have student loans, you may be eligible for student loan forgiveness through certain options for federal student loans. Alternatively, you […]
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Lewis Roberts, PA
1540 International Pkwy #2000
Lake Mary, FL 32746