Sign Up Today!
-
Latest News
- Blick Law Firm Works Closely with Tampa’s Chiropractic and Acupuncture Clinic
- Blick Law Firm Brings Legal Expertise and Christian Values to Tampa
- What can a personal injury attorney do for you?
- The Importance of a Real Estate Attorney in a New Transaction
- Over 150 New Florida Laws Take Effect this Month
- Law Change Protects Florida Patients From Balance Billing
- Fatal Alligator Attack at Disney World Orlando Could Mean Legal Trouble
- Florida Gun Laws Under Fire After Orlando Attacks
- Prospect of Medical Marijuana in Florida Creates Buzz
- Florida’s Death Penalty System Subject to Further Questioning
- Summer Driving Safety Tips
- Florida Supreme Court Votes to Maintain Reasonableness in Workers’ Compensation Law
Tags
abogado cristiano abogado de lesiones personales abogado en tampa abogados abogados en tampa abogados real estate abogados tampa accident attorney accident attorneys attorney for the defense attorneys in tampa auto accident bancarotta en tampa bankruptcy attorney blick law firm carrollwood carrollwood attorney carrollwood businesses carrollwood law firm carrollwood real estate christian attorney christian law association christian law firm christian lawyer christian lawyers christian lawyers association christian lawyer tampa driving under the influence helping the hurting michael c blickensderfer military lawyer military lawyers minute with mike personal injury personal injury attorney personal injury attorneys personal injury lawyer personal injury lawyers real estate law tampa attorney tampa law firm tampa personal injury attorney tampa real estate attorney veterans veterans lawyer
Tag Archives: florida bankruptcy
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
Leave a comment
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
Leave a comment
Chapter 7 Bankruptcy Tampa
A Chapter 7 Bankruptcy filing is a useful way to discharge of most debt, and can relieve the burden of creditor collection attempts. 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. Today, many people utilize bankruptcy as a strategy for resolving unmanageable debt. Today, filing for Bankruptcy is more common than most people realize and can be a refreshing solution to a debt-ridden life.
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.
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.
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.
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 in florida, bankruptcy laws, blick law firm, carrollwood, carrollwood attorney, carrollwood law firm, chapter 13 bankruptcy, chapter 7 bankruptcy attorneys, chapter 7 bankruptcy florida, chapter 7 bankruptcy process, chapter 7 chapter bankruptcy, christian attorney, christian law firm, christian lawyer tampa, christian lawyers, christian lawyers association, christian lawyers directory, file bankruptcy in florida, filing for chapter 7 bankruptcy, florida bankruptcy, florida bankruptcy law, middle district of florida bankruptcy court, military lawyer, veterans, what is chapter 7 bankruptcy
Leave a comment
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
Leave a comment
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
Leave a comment
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
Leave a comment