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Some landlords may routinely run credit reports on potential new tenants. While having a bankruptcy show up could occasionally negatively affect your rental application, it is not at all unusual for clients who have recently filed bankruptcy to successfully rent apartm...

There are A LOT of misconceptions about what happens when a person files for bankruptcy relief. One of the most common misconceptions is that you lose all of your property when you file for bankruptcy.

THIS IS ABSOLUTELY UNTRUE! In fact, most clients are able to keep al...

Generally speaking…NO.

When you file for bankruptcy, you usually never need to ever go into a courtroom or appear before a judge.

You do, however, need to appear at a “meeting of the creditors” (also referred to as a “341 hearing”). This usually occurs about 30 days afte...

For clients who :

  • Are facing a Foreclosure (and want to keep their home)

  • Are being threatened with a Vehicle Repossession (and want to keep the vehicle)

  • Owe back Taxes

  • Make too much money to qualify for a Chapter 7 but still need relief from overwhelm...

February 18, 2018

Clients come in every day who are overwhelmed with debt for reasons which were beyond their control.

Some clients have huge medical bills following an unforeseen illness or injury, and others may have had to live on credit cards to feed their family after they were sudd...

February 11, 2018

Generally speaking, folks can usually keep their vehicles when filing for bankruptcy in Florida.

The primary factor that is examined by the court is how much “equity” you have in your car.

Equity is the amount by which the fair market value of your car exceeds any vehicl...

February 5, 2018

Nonpurchase-money loans (NPM loans) occur when a business loans you money and in exchange, they have you list various pieces of property (TV, furniture, stereo, jewelry, etc.), that you already own, as security or collateral for the loan. Additionally, they charge you...

January 29, 2018

Generally speaking, your pensions and/or retirement plans are completely protected when filing for bankruptcy in Florida.

The laws which protect them and make them “exempt” (so that they cannot be sold off and the money used to repay your creditors) are generally Fla. S...