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Bankruptcy: Secured vs. Unsecured Debt

Posted on February 21, 2013 by Blick Law

Many people, when going through Bankruptcy, have common questions about the different terms encountered while going through the Bankruptcy process. Understanding the difference between Unsecured and Secured Debt can be confusing, and it is important to be well informed when considering whether or not to file for Bankruptcy.

Secured Debt is debt that has a security interest or collateral tied to the agreement, whereby creditors can repossess or foreclose on the collateral if the debtor fails to pay back the loan. Common examples of Secured Debt are home mortgages or car loans; in the event the debtor cannot pay the amount owed, the loan is secured by the ability of the creditor to repossess the home or the car.

On the other hand, unsecured debt is debt that has no collateral attached to the agreement. Instead, unsecured creditors generally rely on your credit score and issue credit based on good faith that you will repay the amount loaned. Common examples of unsecured debt are credit card bills, medical bills, and utilities bills.

Upon filing for Bankruptcy, most Unsecured Debt is discharged with the exception of Student Loans, Child Support and Alimony Payments, Court Fines, DUI judgments against the debtor, and debts incurred by Fraud. The discharge of unsecured debt is a primary benefit of filing for Bankruptcy, and comes along with an Automatic Stay against creditors pursuing their collection efforts.

Understand that filing for Bankruptcy is a complex process with important benefits, consequences, and alternatives to consider. In the event you are considering Bankruptcy, call Blick Law Firm today for help at (813) 931-0840. Schedule a free 15 minute consultation with attorney Michael Blickensderfer. Think quick, call Blick!

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Búsquedas de Vehículos de Motor y Arrestos

Posted on February 21, 2013 by Blick Law

Infracciones de tránsito en Florida contribuyen a una gran cantidad de encuentros de la policía; y muchas veces estos encuentros llevan a arrestos por violaciones más graves después de que se busca en el coche del conductor. Es importante saber acerca de sus derechos y protecciones durante la conducción y ser consciente de qué policía de acciones legalmente puede emplear.

Derechos constitucionales protegen conductores de convulsiones y cateos ilegales. Sin embargo, policía puede llevar a cabo una búsqueda de un vehículo sin una orden judicial bajo ciertas circunstancias. Estas circunstancias incluyen:

  • Consentimiento para la búsqueda: consentimiento del conductor para un oficial buscar el vehículo funciona como una renuncia a derechos constitucionales al amparo cuarta enmienda contra allanamientos e incautaciones. Además, puede utilizarse cualquier evidencia incriminatoria obtenida de la búsqueda contra el conductor.
  • Regla de vista llana: Un oficial de policía está autorizado a buscar un vehículo si en vista de la oficial hay cualquier sustancia ilegal o contrabando visible.
  • Circunstancias apremiantes: Un oficial de policía se permite buscar un vehículo si en su criterio razonablemente creen que una búsqueda inmediata es necesaria para prevenir daños o daños graves, o creen que la evidencia de un delito está en peligro de ser destruido.
  • Causa probable: Un oficial de policía está autorizado a Buscar un vehículo sin una orden judicial si tienen una razón suficiente que justifique la causa probable para creer que se ha cometido un delito.

Si tienes sigue detenido un tráfico detenga y tiene preguntas con respecto a sus derechos, llame al  Blick Law Firm  hoy al(813) 931-0840 para hacer una cita gratis 15 minutos con el abogado Michael Blickensderfer.

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El Capítulo 7de Bancarrota en Tampa

Posted on February 7, 2013 by Blick Law

Una Bancarrota del capítulo 7 es una manera útil de descargar la mayoría de las deudas y puede aliviar la carga de acreedor colección intentos.  El Capítulo 7 de la Bancarrota está generalmente disponible cuando el deudor tiene pocas propiedades aparte de las necesidades básicas como muebles y ropa; el deudor tiene dificultad para hacer los pagos de gastos básicos y queda muy poco dinero después de hacerlo. Hoy, muchas personas utilizan la bancarrota como una estrategia para resolver la deuda inmanejable. En los días de hoy , la bancarrota es más común que la mayoría de las personas se dan cuenta y puede ser un refrescante solución a una vida de endeudados.

Capítulo 7 Bancarrota es un procedimiento de liquidación por el que el deudor se vuelca todos los bienes no exentos al síndico de la quiebra que se convierte entonces en efectivo para pagar a los acreedores. Generalmente dentro de cuatro meses el deudor recibe entonces una descarga de todas las deudas descargables. Generalmente, estas deudas descargables incluyen su deuda de tarjeta de crédito, viejas facturas médicas, cuentas de utilidades, préstamos no garantizados, préstamos de día de pago y muchos otros tipos de deuda no asegurada.

La ventaja al capítulo 7 de Bancarrota es que su deuda no sea asegurada o completamente eliminada, el proceso es bastante rápido, y la suspensión automática que ocurre después de la presentación prohíbe a los acreedores haciendo esfuerzos de colección.

Es importante tener en cuenta que mientras la bancarrota del capítulo 7 en última instancia puede aliviar a un deudor de la carga de la deuda no asegurada insuperable, es un proceso que requiere la producción de varios documentos y preparación tediosa. Cuanto más preparado es el deudor, el proceso más transparente se convierte.

Bancarrota es un área compleja de la ley e implica muchas consideraciones, incluyendo si se va a presentar, determinar qué tipo de bancarrota para presentar, el uso de exenciones, entender las protecciones de la bancarrota y utilizarlas para su ventaja.

Sea cual sea su situación, obtener consulta legal de calidad con un abogado  de bancarrota es beneficioso. Contacta con Blick Law Firm hoy al (813) 931-0840. Programe una consulta gratis de 15 minutos con el abogado Michael Blickensderfer para evaluar qué opción es mejor para usted. Piensa rápido, llame a Blick!

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Protección contra lesiones Personales: Reforma e importante información

Posted on February 1, 2013 by Blick Law

Protección contra lesiones personales (PIP) es una cobertura obligatoria en pólizas de seguros de coche de Florida que cubre gastos médicos, pérdida de salarios y otros daños. El propósito original de cobertura PIP era para asegurarse de que nadie herido en un accidente de auto rápidamente reciba dinero para tratar sus heridas. En Florida, todos los conductores están obligados a obtener un mínimo de cobertura PIP de $10,000 para gastos médicos y salarios perdidos después de un accidente de auto.

Debido al rampante fraude y apropiación indebida de cobertura PIP en Florida, las compañías de seguros han presionado para aprobar la reforma de seguro de PIP para limitar los tipos de tratamiento disponible para las víctimas de choque que es cubierta por PIP y limitar la cantidad de cobertura a fin de evitar abusos y fraudes.

En 2012, la legislatura de la Florida paso a ley la reforma PIP que prohíbe el uso de dólares para pagar tratamientos de masaje o acupuntura PIP y limitara las ganancias para el tratamiento de emergencia no de lesiones relacionados con el accidente a $2,500.00. Una preocupación generalizada si sustentan una lesión como un latigazo cervical o hernia discal porque esas lesiones no se pueden calificar como una emergencia.

Sin embargo, los partidarios de la ley insisten en que la reforma contribuirá a las primas de seguros en general inferiores y proporcionar la necesaria ayuda a los conductores de la Florida.

Si usted o un ser querido uno ha sido víctima de un accidente de auto y tiene preguntas acerca de sus derechos, llame a Blick Law Firm al 813-931-0840 para programar una consulta gratis de 15 minutos con el abogado Michael Blickensderfer. Piensa rápido, llame a Blick!

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Real Estate: What is Title Insurance?

Posted on January 30, 2013 by Blick Law

Title insurance is a rarely understood protection necessary when purchasing a new home or property. Contrary to other forms of insurance that protect against future loss or damage, Title Insurance protects against past events that may cause loss or damage after the purchase of new property due to a failure or defect of the title.

When purchasing Title Insurance, the title company will conduct a search of public land records to discover potential matters affecting the title of the property. Common issues include: improperly prepared deeds, open mortgages, wills, probate proceedings, outstanding judgments or tax liens against the property or individuals, covenants and restrictions, and easements. After the records search, the buyer is then issued the Title Insurance.

While the records search conducted by the title company is generally exhaustive, many problems can still exist and affect the validity of the title. Disputes can still arise due to mistakes in the public record, previously undisclosed heirs claiming to own the property, and fraud…. These hidden hazards do exist, and Title Insurance will protect you against these potential problems and pay for any legal fees involved in defending a claim.

It is important to not only seek a title company for protection when purchasing a new home, but also making sure that the title company has an experienced and competent real estate attorney.

A real estate lawyer that handles and serves clients in title services is able to take legal action as needed to protect clients from any future problems that may arise. An attorney can properly analyze your housing situation to handle any issues, insuring you and your loved ones a secure real estate closing for your new home.

At Blick Law Firm we provide title insurance and escrow services to clients throughout the entire State of Florida. Call us today at 813-931-0840. Make an appointment for a free 15 minute consultation with attorney Michael Blickensderfer. Blick Law Firm seeks to help the hurting and those in need. Think quick, call Blick!

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Arrested Over the New Year?

Posted on December 29, 2012 by Blick Law

During the transition into the New Year, most people spend extra time celebrating with friends and family. However, every New Year people tend to get carried away in their celebrations and face the risk of being arrested. Due to an increased tendency to behave irresponsibly during these festive times, arrests for DUI, trespass, disorderly conduct, and various alcohol related offenses tend to increase accordingly. It is important to remember to always be responsible during and after New Year’s celebrations, but also to be aware of your rights in the event that you are arrested.

When confronted by police, people often become nervous because they are unsure if they may be in violation of some ordinance or law. The difference between merely being detained by police and arrested creates different limitations to your rights. It is important to understand what you can do. Police may stop you, and it is not considered an arrest if you are just briefly detained.

A detainment occurs when an officer stops and questions a person of interest, generally for a shorter period of time, and requires less than “probable cause” to make a detainment. An officer can detain anyone if they have a “reasonable suspicion” that the person committed or was involved in any criminal activity.

In the event you are stopped for questioning, it is important to remain calm, be polite, keep your hands visible at all times, and do not attempt to flee. You do have the right to remain silent, however, it is best to identify yourself first and then notify the officer that you are exercising your right to silence.

If you are unsure of the situation, you can ask the officer why you have been detained and if you are under arrest. If at that time you are not under arrest, you have the right to leave. If the officer proceeds to arrest you, you have the right to speak to a Criminal Defense Attorney.

An arrest occurs only upon a determination of “probable cause”, this means the officer must have more than just a “suspicion”, the officer must have a “reasonable belief” that you committed a crime. Once the arrest is made, an officer can lawfully conduct a search incident to arrest of your person for weapons, evidence, and contraband. At this point, the officer can hold you in jail for up to 24 hours or until a warrant is issued for the charges.

Anytime you are stopped and arrested it is important to quickly consult a Criminal Attorney regarding your rights and advice on what you should do. If you have been arrested for a criminal offense, or even issued a citation for a traffic violation, call Blick Law Firm today at (813) 931-0840 to schedule an appointment for a free 15 minute consultation with attorney Michael Blickensderfer. Think quick, call Blick!

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