Alberto Hernandez Bankruptcy Attorney Miami, FL Blog
Miami Affiliated Athletes That Have Undergone Bankruptcy
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 that more and more athletes are declaring for bankruptcy. Now, you may think how is it possible that an athlete can declare bankruptcy? Aren't they rich enough to pay their expenses off? [...]
How Much Time Do I Have To Vacate A Property After a Foreclosure Sale?
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 foreclosure sale, the court must issue a Certificate of Title within 10 days. Once a certificate of title is issued, the property no longer belongs to you and the new owner can [...]
Can I Remove A Lien From My House In Bankruptcy?
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 know that other creditors can also put a lien against your home for non-payment of a debt? A common lien filed is for non-payment of Association Fees or property repairs. [...]
Criminal Law and Bankruptcy
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 for both sides to know the particular situation in order to address whether it is a good idea to go forward with the bankruptcy or if there are other options to address [...]
How to find out if someone has filed bankruptcy
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 to know! Others have a financial stake in the matter, such as knowing if it is prudent to lend money or it is used as a reason to determine whether [...]
Miami Loan Modification Attorney
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 and sometimes, it may be too much for one person to handle. At the Law Offices of Alberto H. Hernandez P.A., I work with you to prepare all of the [...]
Filing Chapter 13 Bankruptcy
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 on your first mortgage than you do on your second. When filing for Chapter 13 bankruptcy, you may be able to modify your first mortgage as well through the approved [...]
Filing Chapter 7 Bankruptcy
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 a lot of questions about the process and what happens to your credit after you file for bankruptcy. I will make sure you have all of the answers to make an informed [...]
Miami Foreclosure Defense
As a homeowner, the last thing you want to hear is that your home is in foreclosure. If you are behind on your mortgage payments, this may be a situation you will have to face. When you served with a foreclosure summons, you have approximately 20 days to respond to the foreclosure complaint. During that time, it is important to contact an experienced Miami foreclosure defense attorney to help you respond to your foreclosure complaint quickly and efficiently. Foreclosure defense is a time-intensive process [...]