Filing for Bankruptcy: First Steps

Filing for bankruptcy is a difficult decision, but it is often the first step toward getting your finances in order. If you’re considering bankruptcy, here are some things you can do to get the process started properly. If at all possible, discuss your bankruptcy with a lawyer. Other options may work better for you than filing for bankruptcy; sometimes debt consolidation or loan refinancing are good choices, and a Read More

Miami Bankruptcy: Key Questions to Ask if You’re Considering Bankruptcy, Part Two

In our previous blog entry, we identified several important questions to consider while determining whether or not bankruptcy makes sense for your situation. We’ll provide answers to several more of those questions today. Please contact us today if you’d like to learn more! Will a bankruptcy make it impossible for me to get credit in the future? Even though a bankruptcy goes on your credit history, it may not make Read More

Miami Bankruptcy: Key Questions to Ask if You’re Considering Bankruptcy, Part One

Bankruptcy is a scary word, but if you are facing financial distress, it can actually be your best friend. In this blog entry and the next, we’re going to highlight key questions to consider regarding bankruptcy. Please give us a call if you’d like to discuss this further. Which form of bankruptcy makes the most sense for me? You’ll need to decide between Chapter 7 and Chapter 13. A major factor is whether or not Read More

Miami Bankruptcy Law: Chapter 7 versus Chapter 13

Many people use the term “bankruptcy” as if it has only one form, but in reality there are four different types of bankruptcy: Chapter 7, Chapter 11, Chapter 12, and Chapter 13. The names come from the chapters in the United States Bankruptcy Code in which each bankruptcy type appears. Individuals are most likely to utilize either Chapter 7 or Chapter 13 bankruptcy. It’s important to understand the differences Read More

Florida Bankruptcy: Understanding the Basics

If your debt levels have become overwhelming, our legal system offers a solution: bankruptcy. In this blog entry, we’re going to examine some of the basics of bankruptcy law here in Florida. In bankruptcy, the debtor (the individual or couple in financial distress) seeks to obtain a discharge, which means that outstanding debts don’t have to be paid. One benefit of beginning this process is that once the bankruptcy Read More


Many bankruptcy Clients are interested in understanding what exactly a 2004 Examination is. While a bankruptcy case is pending, any person with an interest to your bankruptcy mayinvestigate items relating to your bankruptcy. When this type of investigationis needed, a 2004 Examination will be scheduled.  A 2004 Examination allows any parties with an interest to the estate of bankruptcy to testify and/or produce Read More

Lifting the Automatic Stay in Bankruptcy

Many people going through difficult financial times are forced to file bankruptcy. Bankruptcy may not be your only option, but it is the best option when you feel like you are drowning in debt and collection calls. When filing a chapter 7 bankruptcy petition there is an automatic stay which stops most collection efforts. The automatic stay does not allow creditors to collect while your bankruptcy case is going on. It Read More


Bankruptcy is an option for some people who are overwhelmed by their debt. At times, stress is caused from debt related issues. This stress can lead to illness, loss of employment or even divorces. One could possibly avoid all the above mentioned issues by relieving their stress. Many times, filing bankruptcy is ones best option. It is important to understand filing for bankruptcy is not the end of the world. Filing Read More


Individuals can file for bankruptcy in a federal court under Chapter 7 ("straight bankruptcy", or liquidation) or Chapter 13 (a "consumer reorganization", or debt adjustment case). (Although individuals can technically file Chapter 11 bankruptcies, those filings are rare. They typically happen if the individual's debt load is too high for a chapter 13 and they do not qualify for a chapter 7). In a Chapter 7 Read More

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