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As a Florida law firm dedicated to helping individuals manage overwhelming debt and avoid serious financial consequences, we often receive questions about voluntary repossession — also known as voluntary car repossession or voluntary surrender. This situation usually arises when someone can no longer afford their monthly car payments and fears their vehicle might be taken back by the lender. Instead of waiting for the lender to send a repossession agent, some borrowers choose to voluntarily return the car to the lender in hopes of minimizing damage to their credit and avoiding additional fees or stress. What Is Voluntary Repossession? Voluntary… 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

When you see “written off” on your credit report, it means your lender has classified your account as a loss after several missed payments. In simple terms, the written off meaning or charge off on a credit report refers to the lender acknowledging that the debt is unlikely to be repaid. However, this doesn’t erase your obligation — you still owe the money. A write-off on your credit report can negatively affect your credit score, making it harder to qualify for new loans or credit cards. Whether it’s a credit card charged off as bad debt or another account written… 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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  A default judgment in Florida is a court ruling issued against a defendant who fails to respond to a lawsuit within the required time. 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 full trial. For the defendant, this… 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