Bankruptcy

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

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. 

For a lot of people, the term “bankruptcy” refers to a trick: People rack up immense debts they can’t hope to pay back, and when justice begins to close in on them they can jump in the escape pod marked Bankruptcy and wriggle out of the consequences, only to repeat the cycle.  This, of course, isn’t true, and as bankruptcy rates skyrocket during the worldwide economic slowdown we’ve been experiencing, more and more people are realizing that bankruptcy serves a legitimate purpose in the world.  To put it in dramatic terms: Bankruptcy allows civilization to exist, because it gives us rules and structure for dealing with financial ruin.

The Bad Old Days

In the past, an inability to pay bills was dealt with via a destructive and unrealistic hostility.  People were even thrown into jail because they failed to pay their bills, and even where debtor’s prison didn’t exist, there were usually endless rounds of punishments that sank people into a hole they would never crawl out of.
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You can go dizzy looking at all the bankruptcy information on the web.  Lots of it appears contradictory too.  I usually tell clients to just go to the dept of justice website on bankruptcy. Its boring, but at least they get it right. However, if you made it this far, here's what I think you need to lknow about bankruptcy....

Life After Wage Garnishment: Can You Live on Less?

Some people are living paycheck to paycheck with no savings to rely on if there is a crisis.   Sound familiar?  We can help

Here are a couple of bankruptcy questions we get when we answer the phone.  Got your own questions, call us now!  305-663-3281

When you are struggling with your monthly bills, retirement seems like a far-off event.  If you have some money set aside in a government or company retirement plan read the next three paragraphs.  They are very important.

Florida Leads The Nation in Vacant Foreclosures—How to Avoid Losing Your Home

If you are going through a foreclosure or if you are on the brink you are not alone.. and we can help.

America was built on the small business owner.  Like everyone else, they may be facing difficult economic times.  Are you one of these people? 

For the past two years in Orlando, there has been a new wrinkle in bankruptcies.  You can now include loan modifications inside your chapter 13 bankruptcy. Over 70% of these bankruptcy cases resulted in new lower mortgage payment. Now, we are doing the same program in Dade and Broward counties.