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Tag Archives: chapter 13
Bankruptcy Class | Public Seminar | Free Legal Aid
Blick Law Firm will be hosting a free informational bankruptcy seminar on Wednesday, April 9th from 3 to 5 pm. The seminar will be held at Blick Law Firm’s previous office at 4351 Gunn Highway in Tampa. Bankruptcy paralegal Jill Starr, and attorney Alex A. Serrano will be providing in depth information in regards to what bankruptcy is, how it can be useful, and the distinctions between chapter 7 and 13. Information concerning what not to do preceding and during your bankruptcy case will also be discussed, along with a “life after bankruptcy” session, and more important and useful information.
What is bankruptcy?
Bankruptcy is a legal degree of a person or business that is unable to pay their debt to creditors. Bankruptcy is appointed by a court order that is generally proposed by the debtor. Filling for Bankruptcy is common in the state of Florida, and can safeguard and provide comfort for those overwhelmed with debt. What Bankruptcy laws do is liquidate assets, so that debts can be paid. Repayment plans are also made in order for those in debt to have a new financial beginning.
Bankruptcy cases are generally filed under Chapter 7 or Chapter 13 of the Bankruptcy Code.
Chapter 7 or Straight Bankruptcy, eradicates all debts excluding the following:
- Child support
- Alimony
- Most student loans
- Most recent back taxes
- Recent large purchases of more than $550 for luxury goods bought within 90 days of filing
- Fraudulent debts
- Cash advances of $825 within 70 days of filing
- Fines or penalties of government agencies
Chapter 13 or Wage Earner Bankruptcy creates a repayment plan that allows you to pay back your debts over several years’ time.
It is very important that the information and paperwork are filed correctly to ensure that your bankruptcy claim is successful. The experienced bankruptcy attorneys at Blick Law Firm can assist with your bankruptcy claim, and help to make sure that the proper steps and precautions are being made when filing.
If you or a loved one is thinking about filing for bankruptcy, Blick Law Firm can help you secure the full benefits to which you are entitled, and help to maximize your recovery.
Posted in Bankruptcy, Blog
Tagged bankruptcy laws, chapter 13, chapter 7, filing bankruptcy, tampa bankruptcy attorney
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Bankruptcy: Chapter 13
When considering Bankruptcy, a Chapter 7 filing is a useful way to discharge of most debt and can relieve the burden of creditor collection attempts. However, many times a debtor has equity in a home or property and would like to file for Bankruptcy but not surrender their home. In these cases, a debtor can reaffirm the debt for the particular property they would like to maintain and keep making the payments, or file for Chapter 13 Bankruptcy which allows the debtor to reorganize the debt into a consolidated and more manageable payment.
Chapter 13 Bankruptcy gives the debtor an opportunity to manage their debt over a period of 3 to 5 years and still maintain the rights to both exempt and non-exempt property. This is particularly useful when the debtor has a large amount of equity in the home or property. Chapter 13 also helps by reducing payments on debts that cannot be discharged by Chapter 7, such as Student Loans; additionally, Chapter 13 helps avoid wage garnishment, delays the foreclosure process on the home, protects co-signers, and allows for an overall extension on the repayment term of most debts.
However, the decision to declare Bankruptcy also comes with consequences. The disadvantages of filing Chapter 13 include:
- Credit reports will show a Chapter 13 Bankruptcy filing for 7 years
- The debtor will receive high interest rates on future credit
- The debtor will have a strict budget in place in order to ensure the reorganized debt payments
- Legal representation fees tend to be higher, plus added court costs
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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Tampa Chapter 7 Bankruptcy Process
Often times, people considering filing Bankruptcy are unsure of what documentation is required, how long the process takes, and what the Bankruptcy process entails. When a debtor seeks to file Chapter 7 Bankruptcy, they must first satisfy the requirements of the means test to determine their eligibility for a Chapter 7 filing. After determining eligibility, the debtor will then be required to provide a number of documents to the Bankruptcy Court for the Trustee’s review. This required information includes recent bank statements, pay stubs, creditor information, and specific information regarding the debtor’s assets and finances.
Upon compiling all of the necessary information, a voluntary petition for Bankruptcy is completed and filed for the debtor, whereby the Bankruptcy Court then schedules the Meeting of Creditors, or 341 Hearing as commonly referred to. The Meeting of Creditors is an informal questioning under oath of the debtor for the purpose of ensuring that the debtor fairly and honestly represented their assets, income, and debts in the filed bankruptcy petition. The Trustee appointed to the debtor’s case asks a series of questions under oath concerning the debtor’s property and financial situation. Upon completion of the Meeting of Creditors and Bankruptcy Filing Course Requirements, a debtor will have successfully completed the Bankruptcy process.
The entire process is usually completed within four months, and the debtor then receives a discharge of all dischargeable debts. This dischargeable debt includes credit card debt, old medical bills, utilities bills, unsecured loans, pay day loans, and most other types of unsecured debt. 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.
It is important to be aware that while Chapter 7 Bankruptcy may ultimately relieve a debtor of the burden of insurmountable unsecured debt, it is a process that requires the production of several documents and tedious preparation. The more prepared the debtor is, the more seamless the process becomes.
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!
Posted in Bankruptcy, Blog
Tagged abogados en tampa, abogados tampa, accident attorney, ask a lawyer, bankruptcy, bankruptcy attorney, bankruptcy chapter 7, bankruptcy court, bankruptcy debt, bankruptcy in florida, 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, file for bankruptcy, filing bankruptcy, filing for bankruptcy, florida bankruptcy law, how do i file bankruptcy, how to file bankruptcy, how to file for bankruptcy, military lawyer, personal injury lawyer, should i file for bankruptcy, veterans, why file bankruptcy, why file for bankruptcy
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Filing for Bankruptcy Debt
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. While individuals are allowed to file Bankruptcy without the use of an attorney (commonly referred to as pro se), it is strongly discouraged by the U.S. Bankruptcy Court.
Bankruptcy is a difficult process with very technical issues, and individuals are discouraged from attempting to file on their own because they could put themselves in jeopardy by not undertaking the proper steps or simply failing to compile all of the necessary information. If certain technical requirements for Bankruptcy are not satisfied properly, a debtor could be precluded from filing Bankruptcy altogether, may lose the right to file again, and may lose protections in a later case, including the benefit of the automatic stay.
The Bankruptcy Judge can also deny the discharge of all debts if a debtor does something dishonest in connection with the bankruptcy case, such as destroying or hiding property, falsifying records, or lying. Debtors should also consider that Individual bankruptcy cases are randomly audited to determine the accuracy, truthfulness, and completeness of the information that the debtor is required to provide.
A competent Bankruptcy attorney will ensure that the process is undertaken properly and that all necessary information is accounted for in order to successfully receive a proper Bankruptcy discharge.
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 court, bankruptcy debt, bankruptcy in florida, 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, file for bankruptcy, filing bankruptcy, filing for bankruptcy, florida bankruptcy law, how do i file bankruptcy, how to file bankruptcy, how to file for bankruptcy, military lawyer, personal injury lawyer, should i file for bankruptcy, veterans, why file bankruptcy, why file for bankruptcy
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Bankruptcy Filing Tampa
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.
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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Bankruptcy: Chapter 13, what does is it mean?
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.
When considering Bankruptcy, a Chapter 7 filing is a useful way to discharge of most debt and can relieve the burden of creditor collection attempts. However, many times a debtor has equity in a home or property and would like to file for Bankruptcy but not surrender their home. In these cases, a debtor can reaffirm the debt for the particular property they would like to maintain and keep making the payments, or file for Chapter 13 Bankruptcy which allows the debtor to reorganize the debt into a consolidated and more manageable payment.
Chapter 13 Bankruptcy gives the debtor an opportunity to manage their debt over a period of 3 to 5 years and still maintain the rights to both exempt and non-exempt property. This is particularly useful when the debtor has a large amount of equity in the home or property. Chapter 13 also helps by reducing payments on debts that cannot be discharged by Chapter 7, such as Student Loans; additionally, Chapter 13 helps avoid wage garnishment, delays the foreclosure process on the home, protects co-signers, and allows for an overall extension on the repayment term of most debts.
However, the decision to declare Bankruptcy also comes with consequences. The disadvantages of filing Chapter 13 include:
- Credit reports will show a Chapter 13 Bankruptcy filing for 7 years
- The debtor will receive high interest rates on future credit
- The debtor will have a strict budget in place in order to ensure the reorganized debt payments
- Legal representation fees tend to be higher, plus added court costs
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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