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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 limitation 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. That 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
Bankruptcy can be a financial lifeline, but only if you do it right. You’ll need to avoid certain actions post-bankruptcy for a truly fresh start. Based on the information we’ve learned after helping countless Floridians recover financially, here are the top 10 mistakes to avoid after filing bankruptcy. 1. Racking Up Debt Right After Bankruptcy Taking on new debt immediately after filing bankruptcy can put your financial recovery in jeopardy. It’s crucial to resist the temptation to: Open new credit cards Take out loans Accumulate other types of debt Instead, it’s better to prioritize living within your budget. Even applying… Read More
Income Limits for Chapter 7 in Florida: What You Need to Know Chapter 7 is the most popular form of bankruptcy – But, it’s not available to everyone. The U.S. Bankruptcy Code places strict income requirements to file Chapter 7, with the means test being a critical component in determining eligibility. Here, we’ll discuss the finer details of the income limits for Chapter 7 in Florida, including: How to Calculate Your Income Chapter 7 Means Test Special Considerations Alternative Debt Relief Options if You Don’t Qualify If you have specific questions about the income limit to file Chapter 7 qualifications,… Read More
Many people want to file bankruptcy but never begin the process because they get stuck on one question, “What assets do you lose in Chapter 7.” Understanding the answer to this question can help to alleviate a lot of pre bankruptcy stress. If you have anxiety about losing your most essential assets (i.e., home, car, personal items, etc.) during bankruptcy, we’re here to help. Contact us today to learn which of your assets are safe under Chapter 7 asset case and how to pursue alternative debt relief options if necessary. Understanding Chapter 7 Bankruptcy A liquidation bankruptcy (Chapter 7) offers… Read More
Chapter 7 Bankruptcy can be incredibly helpful for those struggling with mountains of debt. However, it’s in your best interest to set realistic expectations for how long it will take and the steps you’ll need to take to complete a full financial recovery. Here, we’ll answer the following questions – and more: How long does a bankruptcy take? How long does a Chapter 7 last in Florida? How long does a Chapter 7 bankruptcy take to discharge How long does bankruptcy stay on your credit report? How long does it take to recover from bankruptcy? If you have specific questions… Read More
Deciding to file for bankruptcy can be terrifying – But, under the right circumstances, it can provide incredible financial relief. The most common types of bankruptcy in Florida are Chapter 7 & 13. By the time you’re finished reading, you’ll have the basic answers to “How do you qualify for Chapter 7 and Chapter 13 in Florida?” If you require more personalized information, we can help. Contact the Attorney Debt Fighters today to discuss your financial goals and whether or not bankruptcy is the right option. Introduction to Bankruptcy in Florida Bankruptcy Types and Purposes Chapter 7 is the most… Read More
If you’ve been injured due to the explicit intent or negligence of another person, there are laws in place that are designed to protect you. Florida legislatures have ensured these personal injury laws protect your rights and offer victims an opportunity to seek compensatory damages for the injuries they suffer due to another person’s negligence. Here, we’ll detail the basics of personal injury law in Florida, including what it is, how it’s applied, the claims process, and more. Understanding Florida personal injury legal definition is key to ensuring that you have the knowledge needed to pursue your claim. If you… Read More
Slip and fall accidents are a leading cause of many personal injury claims. In many cases, they lead to devastating injuries, expensive medical bills, lost wages, and more. As such, understanding what constitutes a ‘slip and fall’ personal injury accident can be the difference between footing the bill yourself and receiving maximum compensation for your injuries. The good news is that Florida slip and fall laws have specific statutes and legal processes that govern how these cases should be handled. Here, we’ll discuss the ins and outs of proving slip and fall cases in Florida, including how liability is handled,… Read More
Chapter 7 bankruptcy Florida (i.e., Liquidation bankruptcy or straight bankruptcy) is a legal procedure that can help most people eliminate most of their non-exempt debts. There are federal bankruptcy laws and state bankruptcy laws. In terms of Chapter 7 bankruptcy Florida, there are specific laws in place that differ from other states. It’s much easier to choose the right debt relief options for your specific situation when understanding the differences between Florida, other states, and federal codes. Here, we’ll take a look at the process, general requirements, and potential benefits of filing Chapter 7 in Florida. Need additional help? Our Chapter… Read More
