Can I sell my car prior to filing bankruptcy? 

Can I sell my car prior to filing bankruptcy? 

A common question clients ask is whether they can sell or trade in their vehicle prior to filing bankruptcy.   If using the Florida exemptions your allowed to have $1,000 in equity in your car.  If you rent then  you would have another $4,000 in exemptions to use on a...

How to Rebuild Your Credit after Bankruptcy 

How to Rebuild Your Credit after Bankruptcy 

People often ask how to rebuild their credit after filing bankruptcy or how bankruptcy will affect their credit.  I am often asked if filing for bankruptcy will destroy credit for 10 years.  Most clients are surprised at how quickly their credit rebounds after filing...

What does Florida PIP Insurance Cover?

What does Florida PIP Insurance Cover? No fault-you can collect regardless of fault. This is generally collected under your own insurance policy even if you are not negligent. It covers your lost wages and medical expense subject to your deductible. New Florida...

How to Rebuild Your Credit after Bankruptcy 

IS A “CHARGED OFF” DEBT STILL COLLECTABLE?

If you have a debt that has been “charged off” this means that your original creditor has written your debt off their books. However, this DOES NOT mean that you are not responsible for the payment of the debt. Creditors often sell individual debts to third party...

Investment Property and Filing Chapter 13

During the height of the market, many people purchased investment properties that they could no longer afford.  As a consequence, if the mortgage is not paid, the lender will initiate foreclosure proceedings.  There are options available that will allow you to keep...

Bankruptcy or Divorce, which should I do first?

It is common for a bad financial situation to spiral into marital discord. One spouse may incur a significant amount of debt, fail to work for an extended period of time, or does not consult the other spouse when making purchases on joint accounts. Divorce and...

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