Attorney Blogs

Credit card debt lawsuit

Many parts of Florida were recently devastated by Hurricanes.  Despite the Government programs and social services in place to help hurricane and disaster victims.  Studies examining all eighteen hurricanes that hit the fifty United States between 1980 and 2004 and that caused $1 billion or more ...

Student debt relief

For many Floridians, the courtroom is an unfamiliar place that can seem intimidating. Most of us only know what we've seen portrayed onscreen in movies and television. And while some of the films get things right, too many are dramatized to the point they are no longer realistic. Most cases in Fl...

Were you in a mortgage forbearance agreement with your lender during the Covid-19 pandemic? Did you apply for a loan modification during that time? Or were you behind in your payments before the start of the pandemic? It is very important for homeowners who are behind in payments or who did seek ...

A client who was trying to get a lapsed mortgage reinstated recently asked me: “What happens with my homeowner's insurance if I've stopped paying my mortgage.”  Well, if your mortgage payments had homeowner's insurance built into it, then it's likely the policy was paid in advance, and you will o...

If you are nervous about having to go to court, that's okay.  It's completely natural.  Going to court is a harrowing experience for anyone, even lawyers.  Early in my career, my heart would beat so fast, and my voice would spike a few octaves whenever I spoke to a judge.  After going to court da...

La larga espera por el incremento de la exención de vehículos en la Florida va a ser más larga. El proyecto de ley que buscaba el incremento de la exención de vehículos de $1,000 a $5,000 fue vetada por el Gobernador DeSantis. Este proyecto de ley incrementaba la exención a $5,000 solo en el área...

The Federal Reserve Bank just raised interest rates, which means that mortgage rates have increased.  The money supply has been inflated dramatically over the past few years and prices of pretty much everything we buy has gone up and continues to go up.  Times are tough, and when people are force...

Una compañía de tarjeta de crédito presento una demanda en su contra y usted no actuó. La compañía de tarjeta de crédito obtiene un fallo en su contra y a usted se le olvida. Anos después, decides vender su casa. La venta de su casa se desarrolla sin problema, luego, justo antes del cierre, le in...

A credit card company filed suit against you, and you didn't act. The credit card company obtained a judgment against you, and you forgot about it. Years later you decide to sell your home. The sale of your home is going smoothly, then right before closing you are told that a credit card company ...

Halloween is right around the corner and debts from months and years past have returned to haunt.  Often, when someone is served with a lawsuit over a debt, they know exactly why they are being sued.  They remember putting more on their credit card than they could afford to pay back while they we...

When you hear the words “creditor harassment” you may think of a debt collector calling and using profane language or threats of bodily harm towards you or a loved one.  And you'd be correct.  Such behavior is prohibited by creditor harassment laws like the Fair Debt Collection Act (FDCPA) and Fl...

Over seventy million Americans struggle with debt in collections status, according to a study by the Consumer Financial Protection Bureau. So, if you have past-due credit card debt of your own, it might comfort you to know that you're not alone. From Dade County to Orange County to Hillsborough C...

The biggest concern for many people facing a possible bankruptcy is whether their home is protected.  The Florida constitution provides for a liberal exemption of homestead property.  Under Florida law, there is no limit on the value of a property, but there is a limit on size of the land dependi...

Florida es uno de los peores estados para el cobro de deudas zombi. Una deuda zombi, como su nombre indica, es una deuda antigua que hace mucho tiempo dejo su memoria y posiblemente sus reportes de crédito. Estas viejas deudas generalmente son compradas por compañías de cobro por centavos. Las co...

Florida is one of the worst states for zombie debt collection. A zombie debt, as the name suggests, is typically an old debt that has long ago left your memory and possibly your credit report. These old debts are usually purchased by collection companies for pennies on the dollar. The collection ...

Se acabó el desempleo y no ha recibido su primer cheque de pago de su nuevo trabajo, su indulgencia en su hipoteca está terminando, sus préstamos estudiantiles vencen nuevamente y los mínimos de su tarjeta de crédito están aumentando porque ha estado usando sus tarjetas para gastos diarios. Usted...

La precisión de un informe de crédito puede tener un tremendo impacto en el bienestar financiero de una persona. Con frecuencia recibimos quejas de clientes sobre la imposibilidad de asegurar el financiamiento para comprar una casa debido a un error en su informe de crédito. Asistimos a nuestros...

¿Cuándo es una transferencia considerada “fraudulenta” en una bancarrota?

Service of process by telephone

default judgement and what it means for you

Options you may have when you find out there is a judgement against you

Obtaining financing in Chapter 13

The long-awaited increase to the Florida Bankruptcy motor vehicle exemption is going to take even longer.  A bill increasing the motor vehicle exemption from $1,000 to $5,000 was vetoed by Governor DeSanits.  The bill increased the exemption to $5,000 only in the arena of bankruptcy and left the ...