The Bankruptcy Law Clinic Blog

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

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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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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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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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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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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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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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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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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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