Monthly Archives: November 2010


30

Nov 2010

After Filing Bankruptcy- DO THIS FIRST

One of the most important things a person should do after filing bankruptcy, if not THE most important thing, is making your payments to creditors on time. After filing bankruptcy, creditors will look at whether or not your financial management behavior has changed.  Did you learn something from filing? Lessons such as do you pay your bills on time? Did you take out 5, 6,...

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29

Nov 2010

5 Steps to Buying a Car Without Going Into Debt

As an Orlando bankruptcy attorney ,all too often I meet with clients who have rolled over old car loans into new car purchases so many times that by the time they are sitting in front of me they owe 2 or 3 times as much on the car than the car is worth. Car dealers make it easy to do, no doubt, and once you...

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29

Nov 2010

Why Does My Ex-Wife Have To Be Listed in My Bankruptcy?

Recently, when meeting with one of my Orlando bankruptcy clients during the signing of his bankruptcy petition, I was asked why his ex-wife had to be included as a creditor on the Petition. The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 enhanced the rights and procedures for the benefit of domestic support obligation [DSO] creditors (my client’s ex-Wife, for example). Section 101(14A) of...

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17

Nov 2010

Filing Bankruptcy and Reaffirmation Agreements

The whole point of filing bankruptcy is to get out of debt.  Everyone knows that. Why, then, if you’re filing bankruptcy would you voluntarily sign an agreement with one of your creditors to remain liable for a debt? That’s exactly what a reaffirmation agreement in a Chapter 7 bankruptcy case does for you, or to you.  As an Orlando bankruptcy attorney, I very, very, very,...

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12

Nov 2010

Is Your Bankruptcy Attorney Asking the Right Questions?

Part of my job as an Orlando bankruptcy attorney is to spot issues a client filing bankruptcy may have in her case, explain how the bankruptcy laws will deal with those issues, and represent my client’s interests with respect to those issues to obtain a positive result for my client .  In fact, that’s my job in a nutshell. Issue spotting is performed by me...

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11

Nov 2010

Orlando Bankruptcy Attorney on Filing Bankruptcy and Tax Refund

As the end of the year draws near, more and more of my potential Orlando bankruptcy clients will want to know whether they can keep their tax refund when filing bankruptcy. The simple answer is yes, with the help and guidance of an experienced Orlando bankruptcy attorney. A tax refund is simply extra money you have overpaid the government during the course of the year...

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03

Nov 2010

I’m Filing Chapter 13 Bankruptcy and Need a New Car!

The vast majority of my Orlando bankruptcy clients do not lead lavish lifestyles prior to filing Chapter 13 bankruptcy or Chapter 7 bankruptcy. Most of my clients are not driving brand new, top of the line cars.  In fact, most Orlando bankruptcy attorneys will tell you that it is very common to have a client who is still making payments on a 5 year old...

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