Tag Archive | "Chapter 7 Bankruptcy Florida"

Can I Keep My Car if I Declare Bankruptcy?

Sunday, August 30, 2015

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The answer is sometimes. If you are filing Chapter 7 bankruptcy as a single person in Florida, you receive a $1,000 exemption for your car. If you own the vehicle outright and the car is worth less than $1,000 you would be able to keep it. If you are married, and you are jointly filing […]

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Living Within Your Means

Sunday, May 10, 2015

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Sounds easy, right? But there’s always a way to spend the money you make, and it’s easy to just keep spending more as you make more. Credit cards don’t always help the situation, either.  Remember that buying something on credit is still like taking a loan, especially if you don’t pay it off in full […]

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Signing a Lease

Sunday, January 25, 2015

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Because a lease is not required in Florida, lots of people live without one. However, it’s not always a smart idea for either party. A good lease clearly spells out the rights and responsibilities of both the landlord and tenant. It includes who pays what, what happens when something is not done properly, what is […]

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An Economical Halloween

Monday, October 27, 2014

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All holidays are expensive if you do it up right–let’s face it. Halloween is one of those that can really go awry because it involves so many different aspects. Food, decorations, party fare, and more come into play like almost any major holiday. But Halloween comes with that extra requirement of costumes, makeup, and the […]

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Stripping Off Unsecured Debt in Chapter 7 Bankruptcy

Thursday, May 24, 2012

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A recent decision by the Eleventh Circuit Court, re McNeal No. 11-11352, created quite a stir in the offices of bankruptcy lawyers throughout the Southeast United States.  The decision of the court in this case is significant. It states that unsecured debt should also be able to be “stripped off” in Chapter 7 bankruptcies—not just […]

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Can bankruptcy get rid of my tax debt?

Saturday, April 21, 2012

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SmithLaw is often asked this question during our bankruptcy consultations. Some income tax may be dischargeable during a Chapter 7 or Chapter 13 bankruptcy. (Other types of taxes are usually treated differently.) But specific rules govern what type of income tax debts can be discharged. The basics: Tax debts are all associated with specific years […]

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Being harassed by debt collectors?

Thursday, February 2, 2012

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The Florida Consumer Collection Practices Act or FCCPA can help. This act is only for the state of Florida and was meant to create good debt collecting behavior and protect Florida’s citizens from debt harrassment. It defines who is a debtor, who is a creditor, who is a debt collector, and more. It provides rules […]

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Five Things You Wanted to Know About Chapter 7 Bankruptcy in the State of Florida

Friday, January 27, 2012

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1. How long does the Chapter 7 Bankruptcy process take in Florida? Typically, a Florida bankruptcy case can take four to six months. However, no case is the same and timelines vary depending on the specific circumstances of the case. Your attorney’s schedule, the trustee’s schedule, and the timing of when you take your educational […]

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Do I Need an Attorney to File Bankruptcy?

Friday, January 27, 2012

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An attorney is not required for individuals when filing bankruptcy in the state of Florida. Individuals may file pro se, representing themselves. (Businesses must use an attorney.) However, the courts strongly suggest that you hire an attorney to represent you during your case. Let us examine why. The appointed trustee and other court personnel cannot […]

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