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Tag Archives: Miami Debt Relief Lawyers

Can Debt Collectors Use Bankruptcy to Collect Older Debts?

By Julia Kefalinos |

In a Chapter 13 bankruptcy, a debtor agrees to pay back some of his or her debts under a plan approved by the bankruptcy trustee and the court. This plan assumes the debts are valid. But in recent years, third-party debt collectors have aggressively used the bankruptcy code to try and receive payment for… Read More »

Can Bankruptcy Eliminate My Tax Debt?

By Julia Kefalinos |

Bankruptcy allows debtors to reorganize or discharge most of their debts. For many unsecured debts, like credit card bills, a Chapter 7 bankruptcy can wipe out the debt entirely. But not all debts are treated the same under the Bankruptcy Code. For example, while you may be able to discharge some tax debt through… Read More »

When Should I Consider Filing for Bankruptcy?

By Julia Kefalinos |

Credit card debt is a fact of life for many of us. And if you are behind on your bills and have started receiving letters from debt collectors demanding immediate payment, you might wonder if filing for Chapter 7 or Chapter 13 bankruptcy is the right move. While bankruptcy does afford many debtors a… Read More »

How an Automatic Stay Protects Debtors in Bankruptcy Cases

By Julia Kefalinos |

An “AUTOMATIC STAY” or freeze on all collection activity is triggered the moment you or your business files a petition for bankruptcy. This is a court order for ALL creditors, or their representatives to immediately cease collection activities. If they fail to do so they must explain why they violated the automatic stay to… Read More »

What To Do If You Can’t Pay Your Bills

By Julia Kefalinos |

The economy has improved since the start of the 2008 recession, but that does not mean it’s back to normal for everyone. As recent studies show, many South Floridians have still been left behind. A recent report shows that, although Florida’s wealthiest 1% saw a 40% increase, everyone else’s income dropped by 7%. Further,… Read More »

Late On Your Student Loan? Your Healthcare License Can Be Suspended

By Julia Kefalinos |

Being buried in student loan debt is difficult enough without losing even more on top of it all. In Florida, however, missing your student loan deadline by too many days can cost you more than money and a damaged credit score. If you belong to certain professions, you might lose your your professional license… Read More »

Studies Show Floridians Getting A Handle On Their Debt

By Julia Kefalinos |

In Florida, credit card debt has been and remains a serious problem for many people in debt, and the recession caused a great deal of financial stress on people and their families, especially when it came to foreclosures. However, recent studies show that many Floridians were able to successfully manage their debt and cut… Read More »

Beware of Predatory Schemes; Seek Serious Debt Relief Solutions

By Julia Kefalinos |

Anyone can land in debt, and it’s becoming easier to fall prey to financial ruin. Many Florida homeowners recently discovered that their mortgage insurance policies did not protect them after a foreclosure, resulting in worsened debt. Unfortunately, people seeking debt relief solutions often turn from one predatory system to another, and find that credit… Read More »

For-Profit College Entices Students with Strippers, Buries Students in Loan Debt

By Julia Kefalinos |

Student loan debt may be one of the most challenging burdens faced by individuals in debt: it is relatively easy to accumulate, it can amount to hundreds of thousands of dollars per student, and it can be extremely difficult to discharge. Although there is no quick fix to getting rid of debt, a debt… Read More »

Miami’s Mortgage Modification Mediation Program Facilitates Debt Relief

By Julia Kefalinos |

Individuals who struggle to meet scheduled debt payments, but who can pay monthly expenses and want to retain the equity in their home, can opt for a Chapter 13 bankruptcy solution. With the assistance of a skilled Florida bankruptcy attorney, debtors can develop a three- to five-year plan to pay back debts, which can… Read More »

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