Experienced And Effective
If you have used all your available credit and are still unable to pay for everyday expenses, you are far from alone. In fact, according to Prudential, almost half of Americans claim to be struggling financially, with roughly 40% expecting to spend years recovering....
If you determine that bankruptcy is the best solution to your debt problem, you must then decide whether you want to file for Chapter 7 or Chapter 13 bankruptcy. In a Chapter 7 bankruptcy, you can discharge all of your unsecured debts, such as credit card debt,...
If you have shopped for a home, car, groceries or virtually anything else recently, you have undoubtedly noticed an uptick in the cost of everyday items. This is not surprising, as prices increased more over the last year than they did at any time during the previous...
Florida residents trying to keep up with overwhelming medical bills, unemployment and unexpected life events often consider bankruptcy for financial relief. However, people often believe they lose everything once they file, so they delay, which can make the situation...
If you have overwhelming debt and less than stellar credit, you may be among the thousands of Florida residents struggling with debt and harassing creditors. Depending on your situation, bankruptcy or debt settlement are options that may provide debt relief, allowing...
So often, our bankruptcy clients tell us "I'm never going to have credit cards or borrow money again!" believing that having good credit is not relevant to them if they do not plan to buy a home or get a personal loan. There are many reasons besides homeownership or...
More than half of Florida's residents responding to a survey claimed to have fallen behind on their rental or mortgage obligations. According to the U.S. Census Bureau, the Sunshine State has the highest number of households in arrears with their rent or mortgage...
Nobody wants to think that they might be the target of identity thieves. Unfortunately, these criminals do not discriminate. They simply use anyone whose information is available via black-market networks — and that could include you. Especially if your finances were...
A chapter 13 bankruptcy plan lasts from three to five years. A lot can happen in five years, including wrecking your car. If the car is not totaled, then there is usually no reason to involve the bankruptcy court. In this situation, your insurance company sends a...
The Fair Debt Collection Practices Act (FDCPA) went into play to protect you from debt collector misrepresentation and harassment. Unfortunately, even with these protections in place, some still use these unfair behaviors and practices. What can you do to protect...