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  In Florida, a default judgment is a court ruling against someone who doesn’t respond to a lawsuit. It results in automatic legal consequences and can deeply affect the non-responding party. This commonly occurs in civil cases, such as small claims disputes, where the defendant’s non-response results in an automatic judgment in favor of the plaintiff. When a defendant does not respond within the given timeframe, the court grants relief to the plaintiff, typically based on a liquidated money demand that specifies the exact amount sought. A default judgment allows the plaintiff to receive the requested relief without needing a… Read More

If you are thinking of filing for a consumer Chapter 7 bankruptcy, you probably have a lot of questions. One of the most important for many people is whether or not they will be able to rent an apartment after a bankruptcy filing. The reality is that it is often (though not always) more difficult to rent after bankruptcy. After all, the bankruptcy may stay on your credit report for seven to 10 years. But it is certainly not impossible and in some cases may even be easier than it would have been before your bankruptcy. This is because you… Read More

When your debt is sold, the original creditor transfers ownership of the debt to a debt buyer or collection agency. The new collector now has the legal right to pursue you for repayment. Typically, the original creditor will notify you that the debt has been sold and provide the contact details of the new debt collector. This usually happens after the original creditor’s own attempts to collect the debt have failed. Often, the original creditor will sell the debt for a fraction of its value, sometimes for just pennies on the dollar, which means the debt buyer has purchased it… Read More

If you’re wondering can you file bk on a judgement, the answer is yes. Bankruptcy can discharge many types of debts, including judgments. However, the process isn’t always straightforward. Our guide walks you through how bankruptcy affects judgments, what you need to consider, and the steps involved in the process. Key Takeaways Filing for bankruptcy is possible even when there is an existing judgment against you, as it provides a path to alleviate overwhelming debts. The automatic stay initiated upon filing for bankruptcy halts all creditor collection actions, offering immediate relief from legal pressure and wage garnishments. While bankruptcy can… Read More

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Are bankruptcies published in the newspaper? One of the greatest concerns of those considering bankruptcy is how it might affect the expectations of those around them, personally and professionally. For the great majority of those who file, those people around them have no idea that they have filed. Nevertheless, bankruptcy is considered a public record, so it is important to be aware of the way it is published. Read on to find out why and where bankruptcy records can be accessed. Key Takeaways Unlikely foreclosure sales, there is no requirement to publish bankruptcy information in the newspaper. Personal bankruptcies are… Read More

A suggestion of bankruptcy filing is a notice to creditors that an individual or business intends to seek bankruptcy protection. This filing halts ongoing legal actions and starts the bankruptcy process. Here, we’ll break down what this means for you. Key Takeaways A suggestion of bankruptcy filing serves as a formal notice to creditors, halting legal actions against the debtor and marking the beginning of the bankruptcy process. The bankruptcy automatic stay provides essential protection to the debtor by restraining creditor actions, but creditors can still seek relief through a Motion for Relief from Stay under certain conditions. Post-filing obligations,… Read More

Struggling with debt? A debtor attorney can provide the legal expertise you need. In this article, we will cover what debtor attorneys do, how they can help you organize your debts, protect your assets, and develop strategies for financial recovery. Key Takeaways Debtor attorneys provide essential advocacy and legal support for individuals and businesses facing financial challenges, helping them navigate debt repayment and bankruptcy processes while retaining valuable assets. Assessing debtor’s assets is crucial for developing effective repayment plans and negotiating favorable arrangements with creditors, ensuring clients can minimize asset loss during bankruptcy proceedings. Choosing an experienced law firm is… Read More

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Debt, or at least liability to pay it off, does not necessarily last forever. In Florida, for everything except debt involving real estate, the statute of limitations for debt is generally five years for debts with a written contract. Credit card debt, for example, has a five-year Florida debt statute of limitations. So does medical debt. This means that after five years, if certain things do not happen to keep a debt alive, a creditor may no longer sue you for payment. The Florida statute of limitations for debt is shorter than that of many other states, where you may… Read More