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Declaring Chapter 7 bankruptcy can feel overwhelming, but it’s an excellent opportunity to eliminate a majority of your debts. One concern for individuals after a bankruptcy filing is, “How soon can I buy a house after Chapter 7?” Understanding the loan waiting period and other criteria for buying a house after Chapter 7 can help you to make solid plans for homeownership while alleviating a lot of stress. In this guide we’ll discuss typical “waiting periods” for each type of mortgage loan, eligibility factors, and the best way to increase your odds of owning a home after filing bankruptcy Understanding… Read More

When someone signs a mortgage, they are optimistic that they can make it. At the end of all the payments, they will have their own space, free and clear of debt. However, things don’t always go according to plan. For people who are behind on their mortgage – especially with threats of foreclosure, it can be a terrifying experience. Many homeowners who fall behind benefit from working with professionals to resolve their mortgage issues, often describing it as an amazing experience. To help you navigate your way through the process, here’s what you should do when you’re behind on your… Read More

Have you been getting debt collection letters and phone calls from an organization you don’t recognize? Chances are your debt may have been sold to a junk debt buyer. There was a time when a company might just give up on collecting debts, particularly small ones, if they couldn’t collect them easily. These days, if a company cannot collect a debt, they often just sell it to a junk debt buyer for pennies on the dollar. At some point, many companies today would like to get a little money rather than expend resources pursuing a hard-to-collect debt. As an added… Read More

In our recent blog post, What to Expect if You Face Wage Garnishment in Florida, we discussed the basics of wage garnishment in Florida. It included a discussion of how much of your wages can be withheld and sent to your creditors. You have a lot more options to deal with your creditors before they start garnishing your wages than if you wait. However, if that’s water under the bridge, and you are at the point where your wages are being garnished, you still have some limited options. Let’s explore the specifics of Florida wage garnishment law, the possibilities to… Read More

Worried about what happens to jointly owned property in Chapter 7 bankruptcy if you file for Chapter 7 bankruptcy in Florida? This article will explain how your share of jointly owned property in Chapter 7 assets, such as homes or bank accounts, becomes part of the bankruptcy estate. We’ll cover the risks to these assets, protections for non-filing spouses, and differences between community property and common law states. Key Takeaways In Chapter 7 bankruptcy in Florida, a filing spouse’s ownership interest in jointly owned property is included in the bankruptcy estate, which can be liquidated to pay off debts –… Read More

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