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If you’re accused of murder, you know you need to hire an attorney. But what if you just owe debts you can’t pay? When should you handle it yourself, and when do you need a Florida debt collection defense attorney? When you are already overwhelmed with debt, you may hesitate to get legal help, because you are afraid of just adding to your debt. However, understanding consumer law is crucial for navigating debt collection issues and protecting yourself from unfair practices. In many situations, a lawyer can save you money and give you a lifeline to getting your life back… Read More

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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 article explains how default judgments work, how they are obtained, and their potential impacts. Key Takeaways A Florida default judgment is a court order issued against a party that fails to respond to a lawsuit, granting the plaintiff relief without requiring a full trial. The process for obtaining a default judgment involves filing for default, requesting a judgment before a judge, and ensuring proper service of legal documents. Default… 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

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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One of the primary concerns individuals have about declaring bankruptcy is what they could lose.  Bankruptcy, particularly Chapter 7, is a trade off where the government will clean the slate on your debts, but in exchange, you may have to give up some assets outside of “necessities.” Often clients ask if their 401k’s will go to creditors if they declare bankruptcy. The Bankruptcy Abuse Prevention and Consumer Protection Act (BAPCPA) includes provisions for bankruptcy abuse prevention, which protect certain retirement accounts, including 401k plans, during bankruptcy proceedings. If you live in Florida, your 401k is protected in two different ways. In fact,… Read More

Understanding Chapter 7 Bankruptcy Chapter 7 bankruptcy, often referred to as liquidation bankruptcy, provides individuals with a way to eliminate most of their debts without the need to repay creditors. This type of bankruptcy involves the liquidation of certain assets to pay off debts, offering a fresh financial start for those overwhelmed by debt. To qualify for Chapter 7 bankruptcy, individuals must pass the Chapter 7 means test, which assesses whether their income is low enough to warrant debt relief under this bankruptcy chapter. This process ensures that only those truly in need can benefit from the debt discharge provided… Read More