The Bankruptcy Law Clinic Blog

Monday, March 14, 2016

Calling a bankruptcy attorney

These days most people’s first solution to any problem is to look at the internet.  Chances are you are reading this because you typed Miami (or Kendall or Ft Lauderdale) bankruptcy.  Now, that’s not a bad first step, but flipping through endless websites isn’t actually going to solve anything

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Wednesday, February 24, 2016

How is my bankruptcy going to affect my spouse’s good credit?

Earlier today I got a call from a woman who was considering bankruptcy.  Despite earning 65k a year and having college age kids, she had to get her mom to sign a new car loan.  Her own credit had been shot due to an ex husband being an authorized user on her cards in the past.  She was now in a new marriage and wanted a fresh start.  She was worried how her possible future bankruptcy would affect his credit

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Thursday, February 11, 2016

Scary bankruptcy words

If you found this blog, it means you've spent some time on the internet researching bankruptcy.  STOP IT!  

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Friday, January 22, 2016

Credit cards and retirement

I spend a good amount of my time on the phone.  When you call our office and ask for a free consultation, you’ll spend a few minutes with me.  Since September of last eyar (2015) I have seen an increase in calls from people in their 70s.

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Monday, May 11, 2015

SPANISH: Los acreedores pueden tomar una parte de su sueldo!

Desafortunadamente, muchos de nuestros clientes no nos llaman hasta que han notado una dramática disminución en su cheque del salario, causado por  los acreedores tomando una parte de su sueldo. Esto ocurre cuando un acreedor obtiene el poder legal para forzar a su empleador a cederle una parte de su sueldo para pagar su deuda. Este difícil momento es inmediatamente seguido por pánico y desesperación. El dinero que se necesita con desesperación para cubrir sus necesidades y las de su familia, están ahora usurpado por un acreedor. Si las cosas estaban mal antes, como va a sobrevivir con un 25% menos? En todo caso hay una manera de pelear esta situación.
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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....
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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.
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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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