Bankruptcy

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

Read more . . .

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.

Read more . . .

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.
Read more . . .

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...

Read more . . .

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.
Read more . . .

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…

Read more . . .

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. 

Read more . . .

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.  

Read more . . .

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.
Read more . . .

 PRINT THIS OUT AND TAKE IT WITH YOU WHEN YOU VISIT a Bankruptcy Attorney.
Read more . . .

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...
Read more . . .