Monthly Archives: October 2010


29

Oct 2010

After Filing Bankruptcy Can I Get a Credit Card?

Many of my potential, current, and former Orlando Bankruptcy clients ask if they can get a credit card after filing bankruptcy. Yes, you can, no doubt about it. Put on your creditor’s hat for a minute.  It’s black, and hides dirt well, so give it a thorough cleaning before you do this. Before filing bankruptcy, with your high debt to income ratio, over the limit...

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28

Oct 2010

Those Wild and Wacky 2005 Lenders and The Fallout

Think back, if you will, to those glorious days of the real estate market in Orlando circa 2005. That’s what I did today when a client who I represented in a Chapter 7 bankruptcy, which was successfully discharged in April of 2005, came in to see me.  Let’s take a trip back to 2005, shall we? Here’s what happened… About 6 months after my client...

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26

Oct 2010

Filing Chapter 13 Bankruptcy- #1 Reason

We’ve reached the #1 reason for people filing Chapter 13 Bankruptcy in Orlando.  Filing Chapter 13 bankruptcy offers you the ability to stop a home foreclosure and repay any amount you fell behind on the mortgage over a 5 year payment plan by making payments to a Chapter 13 Trustee. This is the #1 reason people file Chapter 13 bankruptcy in Orlando. While this has...

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20

Oct 2010

Filing Chapter 13 Bankruptcy: Top Reason #2

If, after your Orlando bankruptcy attorney applies all of your available exemptions, the value of your assets still exceeds what you can protect under Florida law, then filing Chapter 13 bankruptcy will allow you to protect the non-exempt portion of your assets.


13

Oct 2010

Means Test Numbers Change in November

For folks considering filing bankruptcy in Orlando, or anywhere in Florida for that matter, it may be a good idea to file before November 1, 2010. Why?  Beginning in November new median income guidelines go into effect.  The U.S. Trustee program announced these new figures yesterday.  The figures are based on U.S. Census data.  A state’s median income is used, in part, to determine if...

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07

Oct 2010

Can I File Bankruptcy in Florida if I Don’t Live There Anymore?

Some of my Orlando bankruptcy clients don’t live in Orlando, or even Florida for that matter.  I talk to several people each month who need to file bankruptcy but are confused as to whether to file bankruptcy in Florida if they have recently moved out of Central Florida or out of the State altogether.  Additionally, as an Orlando bankruptcy attorney, I represent clients who may have...

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03

Oct 2010

Should I Do a Short Sale If I’m Going to File Bankruptcy?

If you own a home in Florida, chances are its value has severely decreased over the last couple of years.  I know mine has!  As an Orlando bankruptcy attorney, many of my Orlando bankruptcy clients who own a home ask me about doing a short sale as a way to eliminate their liability for the debt on their home. Is a Short Sale a Good...

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