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The Bankruptcy Law Clinic Blog

Monday, April 27, 2015

What's bankruptcy like for military, security and govt contractors?

One of the first questions federal government employees ask is how a bankruptcy affect their security clearance.  Our answer?  In nearly all cases- for the better.This question is common among members of the Armed Forces or Federal employees...


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Tuesday, January 20, 2015

Another happy client (en espanol)

Don't always remember to put these up.  But here's a recent handwritten letter from one of our Spanish speaking clients....

 

 


Wednesday, December 3, 2014

You Have A Bigger Future… Even if That Means Bankruptcy

You have a bigger future. That’s hard to remember sometimes, particularly when you find yourself reading a blog post from a bankruptcy attorney in South Florida.

I know what you are going through… collection companies are calling your house, bills are piling up, and you don’t even want to think about your credit score. The truth of the matter is that all your problems can change in a minute.  Yes, you have made mistakes in the past, and we all have… but the future is all that matters.

The key is to make the right choices from here on out.  Are you committed to that?

If the answer is yes, I can help you.

My law firm can file your bankruptcy, stop garnishment, prevent foreclosure, and help you get rid of your debt—we can do all of that, for sure. But if that is all we did, we would be leaving you stranded, which I’m not going to do.

I’m committed to making sure that my clients have a future that is bigger than your past. Our clients choose us to handle their bankruptcy in South Florida because we offer so much more than bankruptcy services. 

One of the extra benefits that we offer, is our partnership with 720CreditScore.com.  After we file your bankruptcy, we will enroll you for free into their $1,000 credit rebuilding program called 7 Steps to a 720 Credit Score.  Our goal is simple, to show you the steps on how to make your life better than it is right now.

This is why our clients hire us, and it’s why you will hire us. Call our office (305-663-3281) now to schedule your free consultation and learn about your bigger future.

As always, I take my job as a bankruptcy attorney, very seriously.  This is not a job that I recently started to do, rather, this is my career.  I take helping people in financial problems very seriously.  I look forward to meeting you.

Andrew Bellinson

BANKRUPTCY LAW CLINIC/Bellinson Law Firm
North Miami Office
10800 Biscayne Blvd.
Suite 925
Miami, Fl 33161
(305) 663-3281
North Miami Office Directions

Doral Office
9600 NW 25 St Suite 2E
Doral, Fl 33172
(305) 663-3281
Doral Office Directions

Fort Lauderdale Office
6750 N Andrews Ave #200, 
Fort Lauderdale, Florida 33309
305) 663-3281
Ft Lauderdale Office Directions


Monday, November 24, 2014

How many hours is that iphone worth?

As a bankruptcy attorney in Dade and Broward counties, , I’ve heard the saying “time is money” many times (in a variety of languages!).  And while that is a saying that everyone understands, I believe that your money is time.  Let me explain…

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Friday, September 19, 2014

Car Loans and Bankruptcy: What You Need to Know Before Filing

If you think that the car dealer who sold you the car you drive was or is concerned about whether you can handle the payment, think again.  In fact, the majority of car dealers are quite happy to place a customer in a car and car loan with high interest rates and payments for one reason and one reason alone—they still get the commission from the sale, whether that customer can afford the car or not. 

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Friday, September 12, 2014

Is Bankruptcy an Option if My Debt Includes Medical Bills?

The simple answer to this questions is, “Yes, you can declare bankruptcy if medical bills have caused you financial hardship.” As a matter of fact, many people have few financial issues until a medical emergency strikes.  The medical bills are what trigger their need for bankruptcy.  

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Thursday, May 15, 2014

Common Myths Related to Bankruptcy, Modification, and Foreclosure

The processes surrounding bankruptcy, loan modification and foreclosure in South Florida are often complicated, resulting in several misunderstandings about how these processes work and which one you should pursue if you are facing distressing financial situations.  These common myths make it difficult to make the right decision for your financial future, so dispelling them and learning the truth about which process would work in your favor if you are considering bankruptcy in Florida is an important step to getting back on track with your life and financial goals.

Myth #1 – Loan modification is encouraged by the federal government and therefore anyone can easily get it to reduce the principal amount that’s owed on their home.

Wrong.

Less than 30% of the homeowners who apply for loan modifications are granted them.  Additionally, it’s not an easy process and can take many months to complete and there is no guarrantee that  the lender reduce the principal amount on the mortgage.  You may have gone through the whole process merely to have your loan extended to 40 years and the interest rate temporarily reduced, not getting you any closer to paying off your home.

Myth #2 – If I apply for a modification, my house won’t go into foreclosure and my missed payments will be waived.

Wrong.

If the foreclosure process has already been started on your home, or is close to being started, applying for a loan modification will not stop this process.  At best, it might slow it down or postpone the sale date slightly, but there’s no guarantee.  Also, a loan modification will not waive your missed payments.  Most lenders simply add these missed payments on to the end of your loan terms. 

Myth #3 – My credit takes a bigger hit if I file for bankruptcy than if I have to undergo a foreclosure. 

Wrong.

Many people find that their credit score actually improves after bankruptcy, especially if they’ve been missing payments for a while on multiple accounts.  If you have a foreclosure on your credit, it will take a serious hit—often one that is more serious than bankruptcy causes. A Miami bankruptcy attorney will be able to look at your specific circumstances and help you determine if a bankruptcy will help you achieve better credit in the short-term and long-term.   

Thanks to changes in how chapter 13 bankruptcies are being administered, we are now able to include Loan Modification Motions inside your bankruptcy.  You may be pleased with the result, but the only way to know for sure is to schedule an appointment.  Give us a call 305-663-3281!


Saturday, April 19, 2014

Things to Ask and Look For When Choosing a Bankruptcy Lawyer

 PRINT THIS OUT AND TAKE IT WITH YOU WHEN YOU VISIT a Bankruptcy Attorney.
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Thursday, April 3, 2014

Yet another reason why we're different than other bankruptcy attorneys

Of course we want to eliminate your debt- we're very good at it.  But your debt is not your entire life.  There's more to you and your life- and what we want is for you to have a bigger life than what you have now. And we can help you achieve it...
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Tuesday, March 25, 2014

Videos on bankruptcy we like

Reminder-  we've shot some simple videos that address some of the most common questions people have.  You can find them on youtube.  Here's one..   http://www.youtube.com/watch?v=qDH0SX7B9Dw

 


Friday, January 10, 2014

Bankruptcy helps you keep your money when things get better... and they will

Happy client time again.  We got a nice thank you right before Xmas.  Client(s) got rid of debt which meant their creditors could not touch his paycheck, even after he got a nice promotion. 


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The hiring of a lawyer is an important decision that should not be based solely upon advertisements. Before you decide, ask us to send you free written information about our qualifications and experience. This web site is designed for general information only. The information presented at this site should not be construed to be formal legal advice, nor the formation of a lawyer/client relationship. The Bankruptcy Law Clinic has offices in both Miami, and Doral FL and assists clients in the areas of Miami, Doral, Miami Beach, North Miami Beach, Opa Locka, Hallandale, Hialeah and Hollywood Florida and the surrounding areas.



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9555 N Kendall Dr, Suite 211, Miami, FL 33176
| Phone: 305-663-3281

A Few Thoughts About Bankruptcy | Foreclosure Defense | Spanish-Bankruptcy | Debt Settlement | Chapter 7 Bankruptcy | Chapter 13 Bankruptcy | Attorney Bios | Beat the banks | Choose your problem | 5 ways to save your home | Español | Things to read and watch

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