Did you know there is a new program in bankruptcy that may reduce or wipe out student loan debt

Recently, the bankruptcy court in the Southern district of Florida, which includes Miami and Ft. Lauderdale, has started a new program which allows you to negotiate with all of your student loans. It doesn’t matter if the student loans are private or Federal loans. You will be able to send documents through a portal that […]
When should I see a bankruptcy lawyer about getting information on filing a bankruptcy

Even though most people don’t know it, once you start to pay less than the full amount you owe on credit cards, you are in trouble. The interest rate that credit card companies can charge might be illegal if a person charged that same amount. In Florida, a person can charge as much as 18% […]
The advantages and disadvantages of filing for bankruptcy

Many people come in to see me to determine what the best course is for them financially. One question that is almost always asked is what will this do to my credit? My answer is always you are here to see me so your credit is bad now or it’s about to be. Your credit […]
Mortgage foreclosures and what options you have

Mortgage foreclosures and what options you have As an experienced bankruptcy attorney in Miami and Ft. Lauderdale, I have been getting a lot of calls from people who are about to go into foreclosure or who are already in foreclosure. A normal foreclosure takes somewhere between six months to a year to complete in Miami and […]
What do you do if you get sued for a credit card or medical debt?

What do you do if you get sued for a credit card or medical debt? Many people freak out if a process server comes to their door to hand them a summons and complaint (lawsuit). There is no need to freak out. The end result of a lawsuit is a final judgment. That is just […]
Options when you are behind on your mortgage

Options when you are behind on your mortgage Many people got behind on their mortgage because of Covid. They lost their job or had a reduction in pay. But life goes on, and there are bills to pay. Sometimes the money runs out. But why you are behind on your mortgage is less important than what you […]
Benefits of Chapter 13 bankruptcy to prevent or stop a mortgage foreclosure in Miami or Ft. Lauderdale

Benefits of Chapter 13 bankruptcy to prevent or stop a mortgage foreclosure in Miami or Ft. Lauderdale These days, the value of real estate in Miami or Ft. Lauderdale is skyrocketing. It also looks like real estate values are going to continue to rise. Of course we all know that banks and other mortgage lenders […]
How much debt do I need to file for bankruptcy in Miami or Ft. Lauderdale, and what will it do to my credit?

How much debt do I need to file for bankruptcy in Miami or Ft. Lauderdale, and what will it do to my credit? A question I get a lot is how much debt do I need to make it worth it to file for bankruptcy. My answer is, it depends on the situation you are […]
The Real Effect of Bankruptcy

We all have stress. Some people have more severe stress than others, but financial stress can be one of the worst stresses anyone can have. No one wants to file for bankruptcy. It should be used as a last resort. There is stress in filing for bankruptcy. There is a court hearing that your Bankruptcy […]
What you need to know about bankruptcy

There are two types of bankruptcies an individual with normal debts can file. There is a Chapter 7 bankruptcy which is a liquidation bankruptcy, and a Chapter 13 which is a reorganizational bankruptcy. To file either type of bankruptcy, you will need to hire a qualified bankruptcy attorney in Miami or Ft. Lauderdale. A Chapter […]