As of July 1, 2024, the motor vehicle exemption amount in Florida bankruptcy cases was raised from $1,000.00 to $5,000.00. This is thanks to SB158 which was signed into law by Governor Ron DeSantis on April 26, 2024. What does this mean for the average individual or couple considering filing for bankruptcy? This change in [...]
ACTION BY CREDITOR: SEND YOU A LETTER Did you receive a letter threatening to sue from PORTFOLIO RECOVERY ASSOCIATES LLC (PRA)? Or worse -did you get served with a lawsuit already? You have a limited amount of time to take action. The Law Office of Alberto H. Hernandez can help you resolve this debt! PORTFOLIO [...]
When a lawsuit is filed against you by a credit card company or collection agency for a past due debt, there is a limited amount of time to act or a judgment can be filed against you. Once it is filed, the judgment is valid in the state of Florida for 20 years. Judgments may [...]
ACTION BY CREDITOR: SEND YOU A LETTER Did you receive a letter threatening to sue from MIDLAND CREDIT MANAGEMENT LLC (MCM)? Or worse -did you get served with a lawsuit already? You have a limited amount of time to take action. The Law Office of Alberto H. Hernandez can help you resolve this debt! MIDLAND [...]
Many people considering bankruptcy ask me whether they will lose their car at the time of filing bankruptcy. This question is fueled by either misinformation or lack of knowledge. After all, I am a bankruptcy attorney and I am happy to answer the question once I have more information. The answer depends on the particular [...]
Any attorney that is licensed in Florida in good standing may attempt to file a bankruptcy case for a client in South Florida. However, it is important for the consumer to know that the attorney that files bankruptcy cases in Miami, Broward or Palm Beach has court-imposed qualifications to do so. According to the Local [...]
A sudden and terrible financial emergency creates a delicate situation where common people subliminally entertain whether filing bankruptcy is a good option to get under the problem. Most people who have money reserves or have a job do not usually perceive bankruptcy as a best option since the emergency may be usually withstood with some [...]
As a bankruptcy attorney in Miami one of the most frequent objections to a recommendation of a bankruptcy is that neighbors may find out about the bankruptcy filing. The general and unsupported historical stigma of bankruptcy carries lots of weight in this day and age where it seems a keystroke of the computer may reveal [...]
DO NOT THROW AWAY A LETTER FROM OUR OFFICE UNTIL YOU READ AND REVIEW IT. Please know we only represent people who owe money to a person or company, we do not represent creditors! If you get a letter from our office, and you are not already our client, it is because you have been [...]
Last week we wrote about the new forms and changes to the bankruptcy law. The federal courts are always trying to create bankruptcy forms, rules and procedures which are easy to work with by the public and its bankruptcy practitioners. As with many other industries the bankruptcy court system has slowly migrated towards electronic records. For [...]
