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Category Archives: Bankruptcy

Bank15

Chapter 7 Bankruptcy: Means Testing

By Julia Kefalinos |

If you have been overwhelmed by debt in the state of Florida, you may be looking for a way out from under the pressure of debt collectors.  You’re not alone: nearly 27,000 Floridians filed for bankruptcy in 2022 alone.  One of the most common pathways out of debt is through a Chapter 7 bankruptcy… Read More »

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Discharging Student Loans in Bankruptcy Just Got Easier

By Julia Kefalinos |

If the possibility of bankruptcy is in your future but you’re concerned because you’ve heard that your student loans are exempt from the process, there may be some good news for you.  That’s because the federal government has made it easier for Americans who are burdened with crippling student debt to get out from… Read More »

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BankruptcyQuest

Should I File Individual or Joint Bankruptcy?

By Julia Kefalinos |

If you are married and suffocating under impossible debt, you may be considering filing for bankruptcy. It can be a complicated question with a number of sub-issues worth investigating before progressing too far.  One such issue is whether you should file jointly with your spouse, file two separate bankruptcies, or have just one of… Read More »

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Bankruptcy17

Your Bankruptcy Worries Addressed

By Julia Kefalinos |

Creditors are knocking down your door, and your only option is to file for bankruptcy.  But the idea frightens you!  It’s such a big step, and you have a number of serious concerns.  You should know that the process, though certainly not pleasant, can make a huge difference in the amount of stress you… Read More »

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BankrLaw

A “Financial Pandemic”

By Julia Kefalinos |

While the pandemic may be behind us, the repercussions linger on. One of those problems that financial guru Suzi Orman portends is of a financial pandemic on the way, one that will take many Americans by surprise.  The impact could be devastating on the financial well-being of those who are caught unprepared. Debt  Although… Read More »

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Making Ch. 7 Bankruptcy Decisions that Work for You

By Julia Kefalinos |

While it’s certainly true that no one really wants to file bankruptcy, the hard truth is that sometimes it’s necessary.  If you find yourself considering such a move, it’s helpful to be cognizant of some of the decisions coming your way and the things you can do to make it easier on yourself, or… Read More »

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Bankruptcy10

Chapter 11 Bankruptcies on the Rise

By Julia Kefalinos |

While money managers expected a surge in Chapter 11 filings during the pandemic years, that  swell didn’t arrive until this year.  When looking at the trends associated with the uptick make this wave somewhat unique. What’s Driving the Bankruptcies?  An examination of the first-day declarations—or the affidavits explaining the business, structural components, and events… Read More »

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Is Bankruptcy in Your Future?

By Julia Kefalinos |

Financial stability:  it’s something more and more people are finding elusive these days.  Sometimes it feels like no matter how hard you work or what cuts you make, you just can’t seem to get your financial footing.  It’s exhausting mentally, and is taking a toll in other areas of your life. How do you… Read More »

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The Impact of Debt on Your Mental Health: Finding a Way Out

By Julia Kefalinos |

If you are struggling managing debt, you are not alone.  Debt has been around forever, but never have so many Americans been so fraught.  The upheaval associated with the pandemic impacted the health, livelihood, and financial security of millions, leading to more oppressive debt for many. Current inflation is not helping matters, creating more… Read More »

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Bankruptcy17

Bankruptcy Exemptions in Florida

By Julia Kefalinos |

No one ever looks forward to a bankruptcy filing, but Floridians who file for Bankruptcy are fortunate in that they may take advantage of more generous exemptions than people in other states are allowed to do. Although there are strict residency rules for people wishing to file for bankruptcy—precisely because individuals from other states… Read More »

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