As Americans, we plan for retirement from the time we begin working. Every time we clock in, every time we file our taxes, every time we contribute to our 401k and IRA accounts – we are planning and creating a cushion for the golden years. However, something that most do not consider to work on [...]
As the economy stabilizes and there is an increase in consumer confidence, there is a coinciding increase in consumer debt. In fact, the Federal Reserve released a statement earlier this month that showed that consumer borrowing increased by $14.1 billion in November and another $16 billion increase in October. The largest increase occurred within [...]
Bankruptcy is a very common thing in the American household. This problem arises due to the inability to pay for debt that is still pending to be paid. Often times this occurs because the person whom is in debt has a low-income job or purchases things they cannot repay. In recent years it has become a trend [...]
If your property is in foreclosure, a major concern is the eviction process that comes after the property is sold. The foreclosure process can be long and drawn out one but after the sale, things move pretty fast and it is important to know what your next steps should be. Once the property is sold in a [...]
If you are a property owner, chances are there is a lien against your property. Most individuals will know who owns the lien - the bank who financed their house. There may also be a second lien if you have a second mortgage or line of credit against your property. However, did you [...]
The experienced bankruptcy attorney practicing in South Florida understands that many prospective clients that come to the office may have some sort of criminal record or pending criminal matter. Because of the stigma associated with having a record, most clients do not volunteer the information to the attorney sitting in front of them. However, it may be important [...]
Everyone and their mother want to know how their neighbors and friends are doing financially. It seems that in these tough financial times the new car in the garage and the dream house do not truly reflect the true financial situation of those around you. Sometimes it is simple curiosity and people just want [...]
If you are having trouble making your monthly mortgage payments, a loan modification may be a good option for you. Loan modifications are a good option for people who have had a loss in income or an increase in their monthly expenses. A loan modification requires a lot of communication with the bank [...]
When deciding to file for bankruptcy, a chapter 13 bankruptcy may not be your first choice. However, there are a lot of benefits to filing for Chapter 13 bankruptcy. For one, a chapter 13 bankruptcy can help you eliminate the second mortgage if you are behind on payments and if you owe more [...]
Filing for Chapter 7 Bankruptcy is often not an easy decision to make. When you are overwhelmed with credit card debt and medical bill debt and you want to stop debt collector calls, a chapter 7 bankruptcy may be a good solution. When you make an appointment to meet with a Miami Bankruptcy Attorney, you may have [...]
