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Tag Archives: bankruptcy in florida
New Year’s Bankruptcy: Advantages and Alternatives
With the beginning of the New Year, people everywhere have vowed to achieve new goals and get a fresh start with hope of a more fulfilling future. Most peoples’ goals or resolutions are personal; they involve family, friends, self-improvement, and many times finances. When considering getting a fresh start on ones’ finances, many people embrace the idea of relieving themselves of the burden of insurmountable debt by filing for Bankruptcy.
Bankruptcy is a complex area of law and involves many considerations, including whether to file, determining which type of Bankruptcy to file, the use of exemptions, understanding the protections of the Bankruptcy Code and using them to your advantage.
Many people utilize bankruptcy as a strategy for resolving unmanageable debt. Today, it is more common than most realize and can be a refreshing solution to a debt-ridden life.
Advantages and alternatives to consider:
Elimination of Debt: The main advantage to filing for bankruptcy is the discharge of most debt. The discharge totally eliminates the obligation to pay many types of debt including your credit card debt, old medical bills, utilities bills, unsecured loans, pay day loans, and most other types of unsecured debt. ***Note: Certain types of debt cannot be avoided by filing for bankruptcy including Student Loans, Child Support and Alimony Payments, Court Fines, DUI judgments against the debtor, and debts incurred by Fraud.
Avoid Creditor Harassment: Once a debtor files for bankruptcy, there is an automatic stay on the collection of debt and most creditors must terminate their collection efforts immediately. The stay is an automatic court order that prohibits all sorts of collection attempts by creditors, and postpones most actions against the debtor, including repossessions, garnishments or attachments, utility shutoffs, foreclosures, and evictions.
Get a Fresh Start: You will be able to pay the things that are important to you, and begin rebuilding your credit in peace!
Alternatives to Consider: Bankruptcy is not the only method of dealing with insurmountable debt, and other methods may be more advantageous for your particular situation. Such alternatives may include an out-of-court settlement with creditors, reduction of payments to creditors, consolidation of debts, or payment of debts by sale of assets or borrowing on assets. However, the availability of these methods varies depending on the severity of your financial difficulties, and also requires cooperation from creditors.
Posted in Bankruptcy, Blog
Tagged abogados en tampa, abogados tampa, accident attorney, ask a lawyer, bankruptcy, bankruptcy attorney, bankruptcy chapter 7, bankruptcy in florida, bankruptcy laws, blick law firm, carrollwood, carrollwood attorney, carrollwood law firm, chapter 13, chapter 7, christian attorney, christian law firm, christian lawyer tampa, christian lawyers, christian lawyers association, christian lawyers directory, file bankruptcy in florida, florida bankruptcy, florida bankruptcy law, middle district of florida bankruptcy court, military lawyer, personal injury lawyer, veterans
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Bankruptcy: Advantages and Alternatives
With the Holidays quickly approaching, many people are becoming mindful of the expenses related to purchasing gifts for loved ones. It is important to remember, especially for those in financial hardship, to spend responsibly over the holidays; and those who are considering filing Bankruptcy it is even more important to be aware that debt accrued over the holidays may not be discharged through Bankruptcy.
Bankruptcy is a complex area of law and involves many considerations, including whether to file, determining which type of Bankruptcy to file, the use of exemptions, understanding the protections of the Bankruptcy Code and using them to your advantage.
Bankruptcy advantages and alternatives to consider:
Elimination of Debt: The main advantage to filing for bankruptcy is the discharge of most debt. The discharge totally eliminates the obligation to pay many types of debt including your credit card debt, old medical bills, utilities bills, unsecured loans, pay day loans, and most other types of unsecured debt. ***Note: Certain types of debt cannot be avoided by filing for bankruptcy including Student Loans, Child Support and Alimony Payments, Court Fines, DUI judgments against the debtor, and debts incurred by Fraud.
Avoid Creditor Harassment: Once a debtor files for bankruptcy, there is an automatic stay on the collection of debt and most creditors must terminate their collection efforts immediately. The stay is an automatic court order that prohibits all sorts of collection attempts by creditors, and postpones most actions against the debtor, including repossessions, garnishments or attachments, utility shutoffs, foreclosures, and evictions.
Get a Fresh Start: You will be able to pay the things that are important to you, and begin rebuilding your credit in peace!
Alternatives to Consider: Bankruptcy is not the only method of dealing with insurmountable debt, and other methods may be more advantageous for your particular situation. Such alternatives may include an out-of-court settlement with creditors, reduction of payments to creditors, consolidation of debts, or payment of debts by sale of assets or borrowing on assets. However, the availability of these methods varies depending on the severity of your financial difficulties, and also requires cooperation from creditors.
If you are having trouble meeting your debt obligations, consult an experienced Tampa Bankruptcy attorney to discuss your options.
Call Blick Law Firm today at 813-931-0840. Make an appointment for a free 15 minute consultation with Michael Blickensderfer to see if Bankruptcy is right for you.
Posted in Bankruptcy, Blog
Tagged abogados en tampa, abogados tampa, accident attorney, ask a lawyer, bankruptcy, bankruptcy attorney, bankruptcy chapter 7, bankruptcy in florida, bankruptcy laws, blick law firm, carrollwood, carrollwood attorney, carrollwood law firm, chapter 13, chapter 7, christian attorney, christian law firm, christian lawyer tampa, christian lawyers, christian lawyers association, christian lawyers directory, file bankruptcy in florida, florida bankruptcy, florida bankruptcy law, middle district of florida bankruptcy court, military lawyer, personal injury lawyer, veterans
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Florida Bankruptcy Alternatives
Attorney, Michael Blickensderfer, practices bankruptcy law. As a consumer who is in financial hardship, it is important to know the alternatives to filing bankruptcy… and we can help!
Florida Bankruptcy Alternatives:
Receiving late notices and phone calls from creditors? DON’T IGNORE THEM!
Talk with your creditors and attempt to work out a payment plan. Explain your situation and the reason for the hardship. Often the creditor is willing to co-operate.
- Possible options? Debt consolidation loan will allow you to pay off all your creditors and then you will just be left with the debt consolidation loan payment.
- Another option is a Florida credit counseling plan where your creditors may be willing to lower your interest rates and accept a reduced payment if you enter a “Debt Repayment Plan.” Your money is generally deposited to a service.
- A third option to Florida personal bankruptcy is a Florida credit counseling plan. Your creditors may be willing to lower your interest rates and accept reduced payments if you enter a debt repayment plan.
Generally, in these plans, you deposit money each month with the credit counseling service. Your deposits are used to pay your creditors according to a payment schedule developed by the counselor. As part of the repayment plan, you may have to agree not to apply for, or use, any additional credit while you’re participating in the program.
Contact Blick Law Firm today for more information regarding these programs, bankruptcy laws and changes in Florida. We are here to help you in your time of need, you are not alone! 813-931-0840.
Filing Bankruptcy was once perceived a failure, now a relief and benefit for many.
In the minds of many people, a Chapter 11 bankruptcy filing can be perceived as a business failure. But for businesspeople who experience a Chapter 11, reorganize the company’s debts and successfully emerge, there are lessons learned that make their companies stronger and more likely to prosper in the future.
“It was definitely very interesting and an experience that we, as a company, learned a lot from, but probably not an experience we want to go through again,” said Russell Devendorf, senior vice president and chief financial officer of WCI Communities Inc., a Bonita Springs-based homebuilder that developed projects like …
At Blick Law Firm we can handle your bankruptcy claim and best assist you in lifting the financial burden off your shoulders. Call us and find out what plan works best for you and your loved ones, family or business. For a Tampa Bankruptcy attorney call us at 813-931-0840.