south daytona Archives - Bankruptcy Attorney Orlando | Student Loan Attorney Orlando

When is the right time to file bankruptcy?

Lewis Roberts, Florida Bankruptcy Lawyer2017-01-20T00:06:00-05:00

The answer for the right time to file bankruptcy is more often now, rather than later. Usually the more common question is should I file bankruptcy with "only" $xx,xxx in credit card debt. That is almost impossible to answer. $5,000 in debt could be a drop in the bucket for some people, but a crushing amount for others. The more important issue may be to time your bankruptcy properly. I have clients who come in [...]

When is the right time to file bankruptcy?Lewis Roberts, Florida Bankruptcy Lawyer2017-01-20T00:06:00-05:00

What is a Deed In Lieu? (And why it might be bad)

Lewis Roberts, Florida Bankruptcy Lawyer2011-06-21T13:25:32-04:00

What is a deed in lieu? Or deed in lieu of foreclosure? It is the process of signing the deed over to your mortgage lender to avoid the completion of a foreclosure on the property. It is a favorite subject right now, but one with lots of misinformation under the umbrella of "what is a strategic default?" It is popular in this mortgage meltdown to search for ways to get out from an underwater mortgage. A [...]

What is a Deed In Lieu? (And why it might be bad)Lewis Roberts, Florida Bankruptcy Lawyer2011-06-21T13:25:32-04:00

Private or Federal Student Loans and Bankruptcy

Lewis Roberts, Florida Bankruptcy Lawyer2017-01-20T00:06:01-05:00

Can you discharge a private student loan in bankruptcy? What can be done about my federal student loans in bankruptcy? As you can imagine, I get asked this question a lot. It is being asked more often since student loan debt now is now higher than total credit card debt, according to the Wall Street Journal. In general, private student loans and federal student loans cannot be discharged in bankruptcy. But I have blogged in [...]

Private or Federal Student Loans and BankruptcyLewis Roberts, Florida Bankruptcy Lawyer2017-01-20T00:06:01-05:00

FDCPA and Bill Collectors: How To Make Them Stop Harassing You

Lewis Roberts, Florida Bankruptcy Lawyer2017-01-20T00:06:01-05:00

The Fair Debt Collection Practices Act (or FDCPA) requires certain proper behavior for debt collectors and debt buyers. You are not supposed to be harassed over your debt. How many times a day does that bill collector call you? Once, three, five, over ten times a day? Have you stopped answering the phone at all because they won't leave you alone? Debt collector laws most often appear in my practice after the filing of a bankruptcy. [...]

FDCPA and Bill Collectors: How To Make Them Stop Harassing YouLewis Roberts, Florida Bankruptcy Lawyer2017-01-20T00:06:01-05:00

Discharging Taxes in Bankruptcy

Lewis Roberts, Florida Bankruptcy Lawyer2011-04-19T11:32:41-04:00

Yes, it is that time of year again - tax returns were due yesterday - unless you filed an extension. It is important to remember that you need to file the tax return, even if you can't pay a tax you might owe. The reason for filing the return will follow below. Did you know that a chapter 7 or chapter 13 bankruptcy may be able to wipe away certain tax debts? But be careful, [...]

Discharging Taxes in BankruptcyLewis Roberts, Florida Bankruptcy Lawyer2011-04-19T11:32:41-04:00