Tag: debt


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

Can My Mortgage Company Sue Me After Foreclosure?

Your mortgage company can collect on a debt you owe it after it sues you in a foreclosure action in Florida. Florida is what is called a “recourse” state.  This means that after your mortgage company successfully sues you in a foreclosure action and receives a final judgment, if there is not enough money from the sale of the property to satisfy that judgment, you...

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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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Feb 2011

I Retained You 3 Years Ago…I’m Ready To File Now!

We all know that life can be an unpredictable journey at times.  We make plans, break those plans, remake plans, chart a new course, return to the old course, etc.  And, of course, time does fly… Recently, one of my Orlando bankruptcy clients, who retained my services 3 years ago, came into my office and was ready to “move forward” with his bankruptcy filing.  The...

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Jan 2011

Chapter 13 Bankruptcy: Do I Have To Pay Everyone I Owe?

There is so much bad information on the internet about filing Chapter 13 bankruptcy. The same can be said about the information/advice that gets dispensed by creditors of my clients. Today, for example, I was happy to inform one of my Chapter 13 clients of some very good news. Because the majority of his unsecured creditors did not file a proof of claim in his...

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Dec 2010

Filing Bankruptcy? Avoid Perjury by Disclosing ALL Debts

It happens at least twice a week for me.  During the free evaluation I offer to my potential Orlando bankruptcy clients, I am asked whether a person must list all her debts when filing bankruptcy. My potential Orlando bankruptcy client further explains (pleads): “I only owe a small balance on these two cards and I want to keep my credit in good standing with them....

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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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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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Sep 2010

Can I Eliminate IRS Debt by Filing Bankruptcy?

As an Orlando bankruptcy attorney, I know that my clients fear IRS debt over and above all other types of debt.  That fear, in some respects, is justified given the unique powers the IRS has to collect on debt owed to it.  However, in some cases, people who owe money to the IRS can obtain the same debt relief with the IRS that they can with...

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