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Debt Consolidation vs. Bankruptcy in Miami | Which Is Right for You?

In the South Florida area, there is an overwhelming amount of commercials on TV, radio and print media promoting debt relief or debt reduction services. Many of these consist of some type of debt consolidation, personal loans, and yes, even bankruptcy. Not because we are a Miami bankruptcy law firm, but what is [...]

2018-09-27T17:55:14+00:00 August 24th, 2018|Categories: Bankruptcy|Comments Off on Debt Consolidation vs. Bankruptcy in Miami | Which Is Right for You?

Can I Buy A Home After Filing Bankruptcy?

One of the biggest parts of the so-called "American Dream" is purchasing your own home. However, if you have filed for bankruptcy, this may be a dream deferred. As discussed in other blog posts, re-building your credit takes time and effort on your part but it is not an unreachable goal. This same concept applies towards [...]

2018-09-27T17:55:31+00:00 August 24th, 2018|Categories: Bankruptcy|Comments Off on Can I Buy A Home After Filing Bankruptcy?

Should I file for Chapter 7 or Chapter 13 Bankruptcy?

When considering filing for bankruptcy, there is often confusion as to which Chapter to file under Chapter 7 or Chapter 13. When you meet with your bankruptcy attorney, it is important to bring all financial documents to accurately calculate your yearly income and see which chapter you may qualify for. On May 1, 2014, the median income [...]

2018-08-23T17:38:43+00:00 August 23rd, 2018|Categories: Bankruptcy, Bankruptcy Filing Forms|Comments Off on Should I file for Chapter 7 or Chapter 13 Bankruptcy?

What Is An Automatic Stay? …in Bankruptcy Case!

The phone calls from collection agencies start promptly at 8:00 am. They call you multiple times during the day; on your cell, at work, and at home. They leave you messages ranging from the simplistic automated calls that say "please call us back for an important message" to the intimidating messages demanding payment. [...]

2018-08-23T16:41:05+00:00 August 23rd, 2018|Categories: Bankruptcy, Chapter 7 Bankruptcy Cases|Comments Off on What Is An Automatic Stay? …in Bankruptcy Case!

Chapter 7 Bankruptcy Reaffirmation Agreement

While in the process of a Chapter 7 Bankruptcy, you are likely to be asked to sign a reaffirmation agreement for a specific debt. A reaffirmation agreement is a contract signed by you and a creditor to essentially keep a debt active, despite your bankruptcy filing. The first question you may be asking [...]

2018-08-24T04:16:50+00:00 August 23rd, 2018|Categories: Bankruptcy, Chapter 7 Bankruptcy Cases|Comments Off on Chapter 7 Bankruptcy Reaffirmation Agreement

How to Reestablish Your Credit After Filing Bankruptcy

You've worked years to get your credit established and due to unforeseen circumstances, your credit rating has become less than stellar. You have exhausted your options trying to negotiate with creditors, paying minimum balances and struggled to stay afloat. Once you meet with an experienced Miami bankruptcy attorney, such as those at The Law Offices of Alberto Hernandez, [...]

2018-08-23T16:42:28+00:00 August 23rd, 2018|Categories: Bankruptcy|Comments Off on How to Reestablish Your Credit After Filing Bankruptcy

Student Loans and Bankruptcy Protection

The National Association of Consumer Bankruptcy Attorneys is holding its 2015 annual convention on April 23, 2015, in Chicago, Illinois. Of particular interest of conversation and topic to be discussed at this meeting will be the subject of student loans. For years, the Association has been championing common sense reforms to allow students [...]

2018-08-23T16:44:02+00:00 August 23rd, 2018|Categories: Bankruptcy, Student Loans|Comments Off on Student Loans and Bankruptcy Protection

Is it Harder to File Chapter 7 Bankruptcy in Miami Now?

Many so-called credit repair agencies throughout South Florida have been preaching that you must pay your bill because it is impossible for you to file bankruptcy in Miami nowadays! Yes, it may be harder now for people with high income and assets to file bankruptcy under the new changes to the means test because [...]

2018-08-23T16:44:08+00:00 August 23rd, 2018|Categories: Bankruptcy|Comments Off on Is it Harder to File Chapter 7 Bankruptcy in Miami Now?

What do I need to File Bankruptcy?

Most people try to pay their bills on time until it is almost impossible to do so without going hungry. Some people with insurmountable debt borrow from family and friends until it is no longer possible.  Still, for some folks lucky enough to have a job while in debt, sometimes there are not [...]

2018-08-23T16:46:06+00:00 August 23rd, 2018|Categories: Bankruptcy|Comments Off on What do I need to File Bankruptcy?

When Should I Consult a Miami Bankruptcy Attorney?

In my experience, most people in South Florida who seek advice regarding their debt and bankruptcy options want to pay some or all of their debt outside of bankruptcy if the creditors would give them a viable way of paying for that debt.  Many times it is obvious that if only the creditor [...]

2018-08-23T16:48:17+00:00 August 23rd, 2018|Categories: Bankruptcy|Comments Off on When Should I Consult a Miami Bankruptcy Attorney?