Month: January 2015

Florida Couple Recovers $1 Million for Harassing Phone Calls

FLORIDA COURT AWARDS $1 MILLION TO COUPLE RECEIVING HARASSING PHONE CALLS Anyone that has ever fallen behind on a debt, knows that what usually follows are harassing phone calls, a lot of them, from the creditor or a collection agency on their behalf attempting to obtain payment of the debt.  There’s a fine line between taking reasonable efforts to collect a debt and engaging in harassment.  Consumer protection laws, like the Fair Debt Collection Practices Act and others, seek to ensure tha[...]

Potential Change in Chapter 11 Bankruptcy Rules

  Chapter 11 Bankruptcy Rules The start of the New Year brings with it the promise of fresh starts and change.  The American Bankruptcy Institute (ABI) is also hoping for change.  At the end of 2014, it released a 400+ page final report on proposed changes to the Chapter 11 bankruptcy rules.  As discussed in greater detail in previous posts, Chapter 11 is a reorganization form of bankruptcy most commonly used by businesses and high net worth individuals.  The report took three years to [...]

Best Defenses to Foreclosure in Florida

There are many possible defenses to foreclosure  in Florida  and we’ve discussed a number of them in previous blog posts.  Today, we’ll discuss the best defenses to foreclosure in Florida and possibly avoiding it altogether.  The following are a few tips to keep in mind when purchasing and financing your home.  They are simple but effective. (1) Buy Less Than You Can Afford Purchasing a home under your budget gives you some wiggle room should your financial situation change for the wo[...]