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Florida’s personal injury laws are complex, constantly changing, and highly nuanced. Knowing the essential aspects of these accident laws can help ensure your rights are protected and you receive fair compensation for injuries caused by negligent parties. Here, we’ll detail eight of the most important aspects of Florida accident laws, including how they can impact your case. If you have questions pertaining to your specific case, we’re here to help. Contact Ziegler Diamond Law today for a free consultation with an experienced personal injury attorney in Florida. 1. Florida Personal Injury Statute of Limitations One of the most important things… Read More
Chapter 13 bankruptcy, commonly known as the “wage earners plan,” offers individuals with a regular income the opportunity to create a repayment plan, for all or some of their debts. Unlike Chapter 7 bankruptcy, which typically requires selling assets to settle debts, Chapter 13 lets debtors hold on to their possessions and pay back what they owe through a structured repayment plan. Knowing whether you qualify for declaring bankruptcy Chapter 13 is essential before deciding to pursue this path. This piece aims to provide insight into what Chapter 13 bankruptcy involves, who can declare bankruptcy Chapter 13 and advantages and… Read More
The process of combining all your eligible debts into a single payment with debt consolidation could provide a lifesaver for those who are struggling to survive financial hardships. The objective is to streamline your financial management, and perhaps lower the interest rate. Many people who are considering consolidation of debt aren’t certain the impact it will have on the credit score of their clients. So you may wonder, does debt consolidation hurt credit or how does debt consolidation hurt your credit? We’re here to help to understand the implications of consolidating your debts, and clarify your doubts so that you… Read More
Facing eviction can be a scary and stressful situation. For many renters filing for bankruptcy is a viable temporary solution as it can help with easing financial burdens and pausing eviction process. But how well does bankruptcy work when it comes to stopping an eviction? Let’s take a look into the connection between bankruptcy and eviction while discussing the automatic stay, specific conditions by state and the advantages/disadvantages of turning to bankruptcy as a means to stop eviction. Quick Answer: Yes, bankruptcy can temporarily halt the eviction process, but it’s not a guarantee. It’s recommended that you seek the help… Read More
One of the most common questions we get at Attorney Debt Fighters is, “Can I file chapter 13 after chapter 7?” In most cases, the answer to that question is “yes.” However, this decision requires careful planning and a deep consideration of the impact it could have on your credit score. In this article we’ll take a deep dive into the reasons why someone might need to file chapter 13 after chapter 7, how soon can you file chapter 13 after 7, the process, and common challenges. Need more personalized information? Contact us today to schedule your free consultation with… Read More
Financial distress is difficult for everyone, but no more so than for individuals worried about the safety of their hard-earned savings stashed in retirement funds. As such, many are concerned about whether retirement accounts and bankruptcy can coexist without destroying their financial future. The good news is most retirement accounts are protected during the bankruptcy process. That includes full protection of employer-sponsored plans like 401(k)s and IRAs, up to a certain amount. Further, some states offer additional protections. Continue reading to learn more about how to keep your retirement funds safe during tough financial times. Types of Retirement Accounts and… Read More
Every year between 400,000 and 500,000 people file bankruptcy in the U.S. This legal process helps individuals and businesses get much needed relief from debts they can no longer pay. But it’s important to note that not all debts can be discharged via bankruptcy process. In fact, there are many types of non dischargeable debt bankruptcy that can’t be eliminated by filing chapter 7 or chapter 13. As such, these debts remain the responsibility of the debtor even after you’ve completed the bankruptcy process. Types of Non Dischargeable Debts in Bankruptcy What Are Non-Dischargeable Debts? If you’ve ever wondered “What… Read More
Bankruptcy isn’t an easy process. It will certainly have an impact on your credit report. However with proper planning and disciplined execution, bankruptcy can offer you fresh start. One of the main drawbacks is the long-term effects it can have on your credit history. In this article we’ll explore answers to the following questions: How long does a bankruptcy stay on your credit report? Why does bankruptcy stay on credit report for so long? How to rebuild your credit post-bankruptcy? If you’re considering bankruptcy, you’re not alone. The debt attorneys at Ziegler Diamond Law are here to help walk you… Read More
Homeownership is the ultimate dream for many people. Unfortunately, some mortgage companies take advantage of this and engage in predatory lending practices that can turn that dream into an absolute nightmare, so many may wonder, “can I sue mortgage company?” “how do I sue my mortgage company?” or “what are reasons to sue a mortgage company?”. Not only can predatory lending leave borrowers trapped in high-interest loans, but they’re also saddled with unfair terms. This can (and usually does) result in financial hardship, stress and even the loss of their homes. If you or a loved one have been a… Read More
If you’re facing foreclosure in Florida, it can be a stressful and overwhelming experience for you and your loved ones. The state’s foreclosure process is notoriously complex, and if you’ve fallen behind on mortgage payments, it can feel nearly impossible to catch up – But, you have options. Depending on the circumstances of your case, using a lesser-known legal strategy, called a “deed in lieu of foreclosure” may provide a solid defense against losing your home. Continue reading to learn the ins and outs of the deed in lieu process in Florida, including requirements, benefits, and the best ways to… Read More
