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Filing Multiple Times for Bankruptcy: Explained

If you have previously declared bankruptcy and are now in a position where you may need to file again, the good news is that there is no limit on how many times you can file for bankruptcy. However, there are a number of rules and restrictions that apply, warranting that you work with an experienced bankruptcy attorney. Chapter 7 and Chapter 13 Bankruptcy Explained In a nutshell, when filed correctly, bankruptcy is permanent and wipes out debts so that creditors cannot collect on them.[...]

Discharging Student Loans in Bankruptcy Proceedings

As bankruptcy relief attorneys here in Florida, we frequently receive questions surrounding whether student loans can be discharged in bankruptcy. In a nutshell, the courts can agree to discharge student loans in bankruptcy proceedings, but you first have to prove that they are causing you undue hardship. This includes both federal and private student loans, although they involve different processes. Therefore, the answer to this question is yes, but it is a complicated process that is not guara[...]

Holding Onto Your Property in Chapter 7 Bankruptcy

While the bankruptcy process can be daunting, by working with the right bankruptcy attorney and having a basic understanding of how the process works, it is possible for the process to provide relief from debt while allowing you to hold onto your assets While Florida opts out of federal bankruptcy exemptions, the state has its own exemptions that need to be claimed when Chapter 7 bankruptcy is filed. As a result, it is critical that you work with an experienced Florida bankruptcy attorney i[...]

Purchasing a Vehicle During or After Bankruptcy

Your ease in obtaining a car loan after bankruptcy can depend upon whether you filed for Chapter 7 or 13 bankruptcy. It can be more difficult to find a lender, and the interest rate might be higher. Below, we discuss some of the ramifications of purchasing a vehicle under Chapter 13 bankruptcy: Chapter 13 Bankruptcy and Credit Chapter 13 bankruptcy - also known as repayment bankruptcy - allows you to keep all of your assets while repaying your debts and creditors over a period of th[...]

What is a Zoning Variance and How Do You Apply for One in Florida?

What is a Zoning Variance and How Do You Apply for One in Florida?

Zoning variances are special permits that allow for specific changes to zoning laws. To apply for a zoning variance, you must submit an application and meet specific requirements. Zoning variances can be used to make a wide variety of changes, including changing the use of a property from commercial to residential, allowing a new construction on a property, allowing an alteration in the type of use for an existing property, and more. What is Zoning and Why is it Important? Zoning is the pr[...]

Does Chapter 7 Bankruptcy in Florida Clear Out Credit Card Debt?

Does Chapter 7 Bankruptcy in Florida Clear Out Credit Card Debt?

Many people view bankruptcy as a way to clear out credit card debt and other forms of unsecured debt. In fact, Chapter 7 bankruptcy in Florida can be a very effective way to do just that. However, there are some essential things to know before filing for bankruptcy. First, it is important to understand that Chapter 7 bankruptcy cannot erase all your debt. This is because some debts are not fully dischargeable in bankruptcy. This means that some debts will continue to be owed by you. Examples[...]

How to Stop Your Creditors From Filing a Lawsuit Against You

How to Stop Your Creditors From Filing a Lawsuit Against You

In today’s world, creditors are often quick to file a lawsuit against a debtor. However, there are a few things that can be done to stop them from doing so. By understanding the creditor’s legal rights and how to protect oneself from lawsuits, it may be possible to avoid the costly and time-consuming process of defending oneself in court. This article will show you the steps to follow to ensure that your creditors cannot file a lawsuit against you. What are Creditors’ Rights in Flo[...]

How Property Buyers in Florida May Benefit From Using Estoppel in Their Real Estate Transactions

How Property Buyers in Florida May Benefit From Using Estoppel in Their Real Estate Transactions

If you are considering buying a property in Florida, you need to be aware of estoppel. "Estoppel" is a legal doctrine that can protect the buyer in a real estate transaction. An estoppel certificate informs the buyer of ongoing assessments and violations at the property. So, as a buyer, you may request an estoppel certificate to certify the property's ongoing assessments and violations. If you buy a property with an estoppel certificate and later learn that there are still violations, you can su[...]

Who Will Know if You File for Bankruptcy in Florida?

Who Will Know if You File for Bankruptcy in Florida?

In order to file for bankruptcy in Florida, you must choose one of the state's bankruptcy courts. Once you have made your choice, the court will assign you a case number and will begin to process your case. However, given that bankruptcy is often available in public records, many wonder what impact that may have on their financial future. This article should help clear the air a bit, by letting you understand who will know about your bankruptcy and what they can do with that information. [...]

Get the Scoop on Title Insurance: What is it and Do You Need it?

Get the Scoop on Title Insurance: What is it and Do You Need it?

A property title is a document that shows the legal owner of a property. The title includes information about the property, such as the address, the owner's name, and any liens or mortgages against the property. The title is important because it proves ownership of the property and can be used to transfer ownership of the property. Title insurance is a form of insurance that protects the title to a piece of property from any claims that may arise against it. This type of insurance is typicall[...]