Tag Archives: abogados tampa

Chapter 7 and Chapter 13 Bankruptcy basics

Posted on August 2, 2012 by Blick Law

Available Bankruptcy claim types vary depending on your particular situation, and understanding the differences is important.

Chapter 7 Bankruptcy is a liquidation proceeding whereby the debtor turns over all non-exempt property to the bankruptcy trustee who then converts it to cash to pay off the creditors. Usually within four months the debtor then receives a discharge of all dischargeable debts. Usually, these dischargeable debts include your credit card debt, old medical bills, utilities bills, unsecured loans, pay day loans, and most other types of unsecured debt.

Chapter 7 Bankruptcy is generally available when the debtor has little property aside from the basic necessities like furniture and clothing; and the debtor has difficulty making payments on basic expenses, or has very little money left after doing so.

The advantage to filing Chapter 7 Bankruptcy is that your unsecured debt is completely eliminated, the process is fairly quick, and the automatic stay that takes place after filing prohibits creditors from making collection efforts.

Chapter 13 Bankruptcy is more of a reorganization process that is available to debtors who have significant equity in a home or other property and want to keep it, or maintain a regular income but simply can’t keep up with the scheduled payments on their debts. Chapter 13 Bankruptcy allows the debtor to restructure the debt to have it paid off over a period of three to five years.

The advantage to filing Chapter 13 Bankruptcy is that you can maintain your property while spreading out the payments, you will have three to five years to catch up on delinquent accounts, and during that time you will make only one monthly payment to the bankruptcy trustee for payment to all creditors involved.

No matter what your situation is, obtaining quality legal consultation from an experienced bankruptcy attorney is beneficial. Contact Blick Law Firm today at (813) 931-0840. Schedule a free 15 minute consultation with attorney Michael Blickensderfer to assess what option is best for you. Think quick, call Blick!

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Personal Injury Litigation

Posted on August 1, 2012 by Blick Law

Thank you for watching Minute with Mike, free legal advice answered by attorney Michael C. Blickensderfer every Wednesday at Noon.

Today’s topic: Personal Injury Litigation

Insurance companies often try to get personal injury victims to settle a personal injury claim quickly and for a low amount. Sometimes Tampa Auto Accident attorneys may find it necessary to pursue the case further and seek to litigate their plaintiff’s claim.

Litigating a personal injury case is beneficial in many ways for the client. One, offering to litigate a personal injury claim puts pressure on the insurance company to reevaluate the initial settlement offered. Insurance companies at that point will find means to negotiate to come to an agreement with all parties. If there are no agreements made, an attorney will proceed in the litigation process.

Personal Injury litigation costs varies with each case. The cost for an attorney may increase due to time and court costs. But it will ensure clients the maximum outcome possible for the injured parties.

An unfair settlement from an insurance company shouldn’t be looked over but brought to attention. An attorney makes sure clients receive proper investigation and review from the insurance companies. Personal Injury Litigation provides such advantages.

Take the time and seek proper legal representation so you are not cheated from an unfair insurance company’s settlement offer. Look for a knowledgeable car crash attorney with litigation and trial experience.

In an auto accident your time, financial situation, health and ability to move forward are all taken into consideration with Blick Law Firm. Call us today to receive your free case evaluation from an experienced car crash attorney.

Blick Law Firm has over 25 year’s legal experience in Florida, New York and New Jersey.  Seek direction from a Tampa Christian law firm today!

Blick law Firm is a local Tampa Bay legal firm specializing in chapter 7 and chapter 13 bankruptcy, personal injury, criminal and real estate law all across the state of Florida.

The owner, Michael C. Blickensderfer has 25 years legal experience in Florida, New York and New Jersey. Blick Law Firms practice areas include criminal law, DUI/ Traffic, real estate transactions, loan modifications, short sales, foreclosure defense, bankruptcy, title insurance and real estate litigation.

We also serve clients in personal injury, including auto accidents, motorcycle accidents, slip and falls premises liability, dog bites, marine and aviation accidents and wrongful death.

For further information regarding our legal services please visit our website at www.blicklawfirm.com. Former prosecutor, former Marine. Think quick, call Blick!

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DUI: Drunk vs. Under the Influence

Posted on July 31, 2012 by Blick Law

Driving under the influence generally refers to a person who has physical control of a vehicle while that person’s normal faculties are impaired by any type of drug, including alcohol and prescription medication.

Under Florida State Statute 316.193, being under the influence pertains to both alcohol and drugs. Therefore, if you are under the influence of drugs and are in actual physical control of a vehicle, you can potentially be charged with a DUI.

In Florida, a blood alcohol level of .08 or more constitutes alcohol impairment beyond the legal limit. However, a police officer may still arrest you for a lower blood alcohol concentration (BAC) if they suspect that your normal faculties are impaired while operating a motor vehicle. Having a BAC under a .08 will increase your chances of overcoming the DUI conviction, but you may still be arrested and endure several hassles that go along with combating a DUI charge.

Police officers will pull drivers over for a number of traffic offenses, even minor ones, and initiate immediate conversation to determine the potential impairment of the driver. To assess the physical signs of impairment, Police will be looking for the ability to maintain eye contact, slurred speech, the smell of alcohol on a driver’s breath, or bloodshot eyes.

Know that your behavior once you’re pulled over is being scrutinized immediately, especially when pulled over late in the evening or after leaving a bar. Therefore, being polite, answering questions respectfully, and not making legal arguments is in your best interest.

While it is your right to not answer any questions without a lawyer present, not doing so will certainly raise the officer’s suspicion and they will likely investigate further. It is wise to answer questions vaguely and avoid delving into specifics, including any amount of alcohol you have consumed, or that you just left a party, bar, or football game.

If the Police are suspicious, they will tell you to exit the vehicle, and you must. However, you may refuse to submit to any sobriety tests conducted. Even if you think you can pass the sobriety exercises, it is likely in your best interest to politely refuse because the officer determines whether you passed based solely on their own judgment. Know that you always have the right to contact Tampa Criminal attorney before you submit to any test.

If you are charged with DUI, it is important to seek legal counsel immediately! Call Blick Law Firm today at 813-931-0840. Make an appointment for a free 15 minute consultation with attorney Michael Blickensderfer to determine what your options are moving forward. Attorney, Michael Blickensderfer has 25 year’s legal experience and is licensed in Florida, New York and New Jersey. Blick Law Firm seeks to help the hurting and those in need. Think quick, call Blick!

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Personal Injury litigation

Posted on July 27, 2012 by Blick Law

A common question asked by personal injury clients is:  “Will I have to go to court?”  While Blick Law Firm will diligently prepare your case, there is no guarantee that the client will be exempt from going to trial for a personal injury matter.

Though most personal injury cases are settled between parties during pre-trial settlement negotiations, some cases will go to court if the parties fail to settle on an amount suitable for both parties. If a court date is set, the two parties could still negotiate and reach a settlement, even as late as the day of the hearing.

It is important that you know that only you have the authority to agree on a settlement on your claim.  Tampa Lawyers can only advise you on a settlement figure and have no authority to settle your case without your express permission to do so.

If you have a personal injury issue and need help, call Blick Law Firm today at 813-931-0840. Make an appointment for a free 15 minute consultation with Attorney Michael Blickensderfer to assess your legal claim.

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Quiebra: Ventajas y Alternativas

Posted on July 27, 2012 by Blick Law

La quiebra es un área compleja de la ley e implica muchas consideraciones, incluyendo la posibilidad de presentar, determinar qué tipo de quiebra presentar en una petición, el uso de las exenciones, la comprensión de las protecciones de la Ley de Quiebras y usarlos a su ventaja.

Muchas personas utilizan la bancarrota como una estrategia para resolver una deuda inmanejable. Hoy en día, es más común de lo que muchos se dan cuenta y puede ser una solución refrescante para una vida agobiada por las deudas.

Ventajas y alternativas que considerar:

Eliminación de la Deuda: La principal ventaja de la declaración de quiebra o bancarrota es la liquidación de la mayoría de la deuda. La descarga elimina totalmente la obligación de pagar la deuda de muchos tipos, incluyendo su deuda de tarjeta de crédito, las facturas médicas, facturas de servicios públicos, préstamos sin garantía, préstamos de día de pago, y la mayoría de otros tipos de deuda no garantizada. *** Nota: Ciertos tipos de la deuda no se puede evitar la declaración de quiebra como los préstamos estudiantiles, manutención infantil y pensión alimenticia, multas, sentencias del Tribunal de DUI contra el deudor y las deudas contraídas por el fraude.

Evitar el acoso de los acreedores: Una vez que un deudor se declara en bancarrota, hay una suspensión automática de la colección de la deuda y la mayoría de los acreedores deben poner fin a sus esfuerzos de recolección de inmediato. La estancia es una orden de la corte automático que prohíbe todo tipo de intentos de recogida de los acreedores, y posterga la mayoría de las acciones contra el deudor, incluyendo embargos, embargos o accesorios, cierres de servicios públicos, ejecuciones hipotecarias y los desalojos.

Empezar de nuevo: Usted será capaz de pagar las cosas que son importantes para usted, y comenzar a reconstruir su crédito en paz!

Alternativas a considerar: La bancarrota no es el único método de negociación de la deuda insuperable, y otros métodos puede ser más ventajoso para su situación particular. Estas alternativas pueden incluir un acuerdo fuera de corte con los acreedores, la reducción de los pagos a los acreedores, la consolidación de deudas, o el pago de la deuda mediante la venta de activos o financiamiento de los activos. Sin embargo, la disponibilidad de estos métodos varía en función de la gravedad de sus dificultades financieras, y también requiere la cooperación de los acreedores.

Si usted está teniendo problemas para cumplir con sus obligaciones de deuda, consulte con un abogado experto en quiebras de Tampa para hablar sobre sus opciones.

Llame al bufete de abogados Blick hoy al 813-931-0840. Haga una cita para una consulta gratis de 15 minutos con Michael Blickensderfer para ver si la quiebra o bancarrota es la adecuada solución para su situación.

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Bankruptcy: Advantages and Alternatives

Posted on July 20, 2012 by Blick Law

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.

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.

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