Blog

Did you know it's possible that when you die you may be leaving all of your outstanding debt to your children to pay? CNN has recently published an article describing all the different scenarios where ...     Read More »

In the last week I randomly pulled 10 new client files to look at how their credit score was affected by their bankruptcy. We pull credit reports using  a service provided by a company called CIN Leg ...     Read More »

Are Debts Obtained Through Fraud Dischargeable in Bankruptcy? Bankruptcy is a very powerful tool to get your financial house back in order.  However, one type of debt that often proves confusing f ...     Read More »

Government Shutdown to Affect 800,000 Workers   Just when you thought the economy was starting to pick up again, Washington politicians deal the American public another blow.  This time it ...     Read More »

Get Out of Debt With Your Federal Income Tax Refund Every year millions of Americans receive their federal income tax refund for many things from property taxes, automobile and homeowner’s insura ...     Read More »

Short Sales can be good if you understand that you may have a tax liability after. If you short sale your property and the bank settles for lets say 100k and you owe 180k, they will 1099 you for the d ...     Read More »

We use a company to pull credit report is called CIN legal data services. The allow us to pull Credit Data from Experian, TransUnion, and Equifax in either a 2-Bureau or 3-Bureau Report. This data ...     Read More »

As a Jacksonville, Daytona, and Orlando Bankruptcy Attorney, I pride myself on remaining up-to-date on the statistics for bankruptcy and foreclosure filings.  CNNMoney.com, a branch of CNN.com and th ...     Read More »

Bankruptcy on the Daily Show with Jon Stewart As a Jacksonville, Daytona and Orlando bankruptcy attorney, I am always on the look-out for issues concerning bankruptcy and middle-class families that ...     Read More »

First things first . . . the recent credit bust and changes in the housing market has caused many financial institutes and mortgage lenders to be merged or bought out. Since lenders have different int ...     Read More »

The Means Test, formally called the Statement of Current Monthly Income and Calculation of Commitment Period and Disposable Income, has two main purposes: 1) To determine one’s eligibility t ...     Read More »

The Eleventh Circuit Court of Appeals rule last week that Chapter 7 would also allow for stripping of subordinate mortgages. Before this case second mortgages could only be stripped in chapter 13 c ...     Read More »

What really hurts your credit score? video article by CNN. http://money.cnn.com/video/pf/2012/04/17/pf_lk_dont_know_credit.cnnmoney/ These are just a few hints into how to keep your credit score ...     Read More »

Not hiring an attorney will likely cost you more money than hiring one. to help with the filing of a bankruptcy. The time you will have to commit to the bankruptcy will also cost you time that could ...     Read More »

http://bucks.blogs.nytimes.com/2012/03/28/borrowers-beware-of-mortgage-relief-fraud/ This article in the New York Times is a proble that will problably be arround as long as mortgages and foreclosu ...     Read More »

http://www.nytimes.com/2012/05/08/business/bank-of-america-starts-mortgage-reduction-effort.html An Article in the New York Times talks about how "Bank of America has started sending letters to tho ...     Read More »

I get this question 5 times a day. Can or how long before  I can purchase a new or used car after I file for chapter 7 bankruptcy? Well the answer is generally anytime after you are discharged. After ...     Read More »

This CNN video article hits the nail on the head with it's advice on credit scores.  Three ways to boost your credit score http://money.cnn.com/video/pf/2012/04/23/pf-hd-boost-credit-score.cnnmoney/ ...     Read More »

This video on CNN (http://money.cnn.com/video/pf/2012/04/30/pf-file-bankruptcy.cnnmoney/ ) talks about when to file bankruptcy. Even though this videoarticle tells people to look into other options ...     Read More »

This resent article on CNN "Too broke to go bankrupt" backs my argument against last months article published in the Jacksonville Daily Record reporting that bankruptcy are down because the economy is ...     Read More »

   In an article published April 10, 2012 by the Jacksonville Daily Record it’s reported that bankruptcy filings are on a decline. Is this decline because of a better job market, stabilizing ec ...     Read More »

Are homeowners association dues or condo dues dischargeable in bankruptcy? Yes but there are nuances to this answer. If you file chapter 7 bankruptcy to surrender a property you are discharged from yo ...     Read More »