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Tampa Chapter 7 Bankruptcy Process

Posted on April 3, 2013 by Blick Law

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!

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Aplicando para Deudas de Bancarrota

Posted on March 27, 2013 by Blick Law

Es un área compleja de la ley de quiebras e implica muchas consideraciones, incluyendo si se va a presentar, determinar qué tipo de bancarrota al archivo, el uso de exenciones, entender las protecciones de la bancarrota y utilizarlas para su ventaja. Mientras que los individuos se les permite el archivo bancarrota sin el uso de un abogado (comúnmente denominado ” pro se“), es fuertemente rechazada por el Tribunal de quiebras de Estados Unidos.

Bancarrota es un proceso difícil con cuestiones muy técnicas, y los individuos son disuadidos de intentar presentar por cuenta propia ya que podrían ponerse en peligro por no realizar los pasos adecuados o simplemente están fracasando para compilar toda la información necesaria. Si ciertos requerimientos técnicos para la quiebra no se cumplen adecuadamente, un deudor podría ser impedido de declararse en quiebra en conjunto, puede perder el derecho a presentar otra vez y puede perder protecciones en un caso más adelante, incluyendo el beneficio de la suspensión automática.

El juez de bancarrota puede negar también la descarga de todas las deudas si un deudor hace algo deshonesto con respecto al caso de la quiebra, como destruir u ocultar la propiedad, falsificación de registros o mentira. Deudores deben considerar también que al azar se auditan los casos de bancarrota Individual para determinar la exactitud, veracidad e integridad de la información que el deudor está obligado a proporcionar.

Un abogado de bancarrota competente se asegurará de que el proceso se lleva a cabo correctamente y que se explica toda la información necesaria para recibir con éxito una adecuada descarga de bancarrota.

Si usted está teniendo problemas para cubrir sus obligaciones de deuda, consultar a un experimentado abogado de bancarrota de Tampa para discutir sus opciones.

Llame a Blick Law Firm hoy al  813-931-0840. Haga una cita para una consulta gratis de 15 minutos con Michael Blickensderfer para ver si la bancarrota es adecuado (a)  para usted.

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What to do if you get pulled over for a DUI?

Posted on March 25, 2013 by Blick Law

Every day, Florida Law Enforcement Officers seek out impaired drivers and make arrests for Driving Under the Influence (DUI). Most Florida Drivers are unaware of the severity of the charge, often times misunderstand the penalties that can arise as a result of receiving a DUI, and are usually unsure of what to do in the event they are pulled over for suspicion of 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 are 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 an 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.

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Filing for Bankruptcy Debt

Posted on March 21, 2013 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. 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.

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Real Estate: Closing, and 5 Important Steps to Follow

Posted on March 19, 2013 by Blick Law

A Real Estate Closing is the final step of the home purchase process, whereby the buyer and seller sign the papers to transfer the ownership of the home. In order to complete this final phase of the purchase process, it is important to understand the timeline of requirements that take place leading up to the Closing.

First, a buyer must open an escrow account with a neutral third party, whereby the buyer provides earnest money to be held in consideration of the purchase in order to demonstrate good-faith that the buyer fully intends on completing the sale.

Following the opening of an escrow account, the buyer then needs to take 5 necessary steps to protect their interest in the home. These 5 steps are as follows:

  • Completing a Title search
  • Purchasing Title Insurance
  • Completing a Home inspection and Pest inspection
  • Negotiating the Closing costs; and
  • Locking the interest rate of the mortgage.

These steps are important in the completion of any Real Estate transaction, and many times it is important for the buyer to seek legal counsel prior to moving forward with the purchase process. An experienced real estate attorney can provide professional legal advice, and interpret the very complicated language involved in most Closing documents. The attorney is also capable of identifying potential problems with your purchase documentation, and can save you the hassle of dealing with unexpected complications that may arise during the Real Estate purchase process.

If you or a loved one are considering purchasing a home and need advice on what to expect, call Blick Law Firm today at (813) 931-0840. Schedule a free 15-minute consultation with attorney Michael Blickensderfer. Think quick, call Blick!

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Conducir con una licencia suspendida

Posted on March 14, 2013 by Blick Law

Conductores de la Florida todos los días ponerse al volante sin saber que su privilegio de manejar ha sido suspendido, cancelado o revocado. Oficiales de policía hacen detenciones diarias por conducir con una licencia suspendida que puede llevar a complicaciones al intentar restablecer su privilegio de manejar.

Conducir sin conocimiento de la suspensión generalmente conduce a la emisión de una citación no penales. Sin embargo, es importante saber que el pago de la citación no- penal opera como un reconocimiento de culpabilidad y puntos puede imponerse contra su licencia porque se considera una violación de tránsito.

En Florida, es una ofensa criminal tráfico si un conductor opera un vehículo motorizado con conocimiento de que su licencia es cancelado, suspendido o revocado. Los siguientes cargos pueden resultar de conducir con una licencia suspendida con conocimiento de la suspensión:

(1) Primera condena es un segundo delito menor grado;

(2) Segunda condena es un primer delito menor grado;

(3) Convicción tercera o posterior, es un delito grave de tercer grado y posible cárcel deba ser servido.

Es importante saber que múltiples infracciones de conducir con una licencia suspendida pueden llevar a consecuencias muy graves, y conductores con repetidas violaciones pueden ser catalogados como un Delincuente Habitual de tráfico.

La pena de conducir con su licencia suspendida, si tiene conocimiento o no, puede ser grave y generalmente llevar a complicaciones con su privilegio de manejar futura.

Si usted o un ser querido ha sido arrestado o emitió una citación por conducir con una licencia suspendida, llame aBlick Law Firm hoy al (813) 931-0840. Programar una consulta gratuita de 15 minutos con el abogado Michael Blickensderfer.

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