Income tax can, in some instances, be discharged in a personal bankruptcy. In order for income taxes to be dischargeable, the tax returns had to have been filed at least two years prior, and the same amount of time would have to have gone by before they can become dischargeable.

Income tax can, in some instances, be discharged in a personal bankruptcy. In order for income taxes to be dischargeable, the tax returns had to have been filed at least two years prior, and the same amount of time would have to have gone by before they can become dischargeable.

What Are The Exemptions For Bankruptcy In Florida?

In a Chapter 7 case, in order to obtain the benefit of the discharge, meaning the wiping out of the debt, the tradeoff that the federal government has set is that a consumer is limited on the amount of assets they can keep. The exemptions are the list of property that comes from state and federal law, which says which things you are allowed to keep. In Florida, the abbreviated list includes your homestead or primary residence, a certain allowance of personal property, which includes basic household goods, a limited allowance of vehicle equity, retirement funds, and some other assets. In cases outside of Chapter 7, such as Chapter 13, you are allowed to keep all of your assets, but the exemptions may affect your monthly repayment plan.

Can a Debt Collector Call My Work?

Can a debt collector call you at work? The answer is usually a big fat NO!

Debt collectors are usually NOT allowed to call you at work. Collection calls to work can cause folks extreme embarrassment, impaired workplace reputation, and even job loss. Debt collectors use workplace calls as a tactic to force people to pay them out of sheer pressure. Typically, that pressure is not acceptable and is a violation of your consumer rights.

A debt collector ONLY has permission to contact you at work if you have provided that EXACT debt collector with WRITTEN permission to call your work. It doesn’t count if you provided the original creditor with written permission (i.e. providing your workplace contact information on an application for a credit card), the debt collector has to get your written permission directly. A debt collector also has permission to call your work if a final judgment has been entered against you.

Beyond those two extremely limited situations, debt collector calls to work can be a blatant violation of your consumer rights under the Fair Debt Collection Practices Act (“FDCPA”). A violation of your consumer rights turns the tables against the debt collector—YOU can sue THEM for their violation!

An FDCPA violation can require the debt collector to pay you a maximum of $1,000.00 in statutory damages. In some situations, debt collectors in violation of the FDCPA may also waive the underlying debt, or even delete negative credit reporting.

Our office can represent you in an FDCPA claim against a debt collector on a contingency basis. This means that we only get paid if we win and you get paid! With little to no risk to you, let us help you turn the tables against a debt collector for violation of your consumer rights.

Clearwater: (727) 538-4188 Tampa: (813) 225-3111

Mt. Dora: (352) 600-1326

Can a Debt Collector Call My Work?

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