Tag: credit


Jul 2011

Short Sale? Debt Consolidation? Just File Bankruptcy Already!

Short Sale.  Debt Consolidation.  Many times the decision to file bankruptcy is the better option. I just got off the phone with a client who retained my services 2 years ago to file a Chapter 13 bankruptcy.  They never actually filed.  Now, they have an offer on a short sale and have hired a debt consolidation company. He and his Wife make a good income (just...

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Jun 2011

After Filing Bankruptcy, Chapter 13, Do I Still Pay My Bills?

Recently, during a free evaluation, I was asked by a potential client if he had to make payments on his bills when filing Bankruptcy, Chapter 13 specifically.   First, I had to determine what he meant by “Bills”.  Bills go by many different names, there are bills that you pay for on going service, like utilities, cable, cell phones, and then there are other debts, like...

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Mar 2011

Credit Card Companies Just Don’t Listen

Almost all of my Orlando bankruptcy clients tell me the same story when they come in for their free evaluation with me.  That is “Credit card companies just don’t listen to me”. “The credit card companies call non-stop, I tell them what happened to make my payment late and offer a payment plan I can afford, then they say no to that and me to...

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Sep 2010

Your Former Marital Home, Divorce and Bankruptcy

One of the main issues people face when going through a divorce is which spouse will keep the marital home and therefore be responsible for the mortgage debt on the home.  Many times, as an Orlando bankruptcy attorney, I advise clients on the ramifications of this decision as it relates to a possible bankruptcy filing by one or both spouses. This can be a confusing...

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Aug 2010

Credit Score and Bankruptcy Relief

As an Orlando bankruptcy lawyer I speak with clients and potential clients every day who are considering filing for bankruptcy.  Invariably, before we even get into the amount of debt the person has and how filing bankruptcy can benefit him or her, the person tells me they have an “A++” credit score.  Or, I am made aware of their “850 Beacon Score”. “That’s nice”, I...

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