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Tampa Bankruptcy Law Blog

credit card management

How can you learn better credit card management after bankruptcy? Using credit after bankruptcy is an intimidating experience for many people. If credit cards were the reason they got into financial trouble in the past, they might prefer to avoid credit in the future. But not using credit at all after bankruptcy does very little […]

COVID-19 And Debt How The Pandemic Is Leading More People To Bankruptcy.

COVID-19 Debt If you’re considering bankruptcy you aren’t alone. The last few months of 2020 have brought a great deal of uncertainty, most of it connected to the pandemic. COVID-19 debt is accumulating and more and more people are being affected. What are five ways the pandemic is driving people to bankruptcy? 1. Loss of […]

What is a Preferential Transfer?

Preferential Transfer And Bankruptcy Tampa, Florida.

Preferential Transfer When you file for bankruptcy, the bankruptcy court determines the order of payments.  This is true for both Chapter 7 and Chapter 13 bankruptcy. Some debts have high priority. You pay them, in full or in part, after liquidating your assets or through your payment plan. Other debts are low-priority. You pay them […]

Credit Cards And Filing For Bankruptcy In Florida.

Credit Cards and Bankruptcy One of the most common questions bankruptcy attorneys hear from clients is whether or not they can keep any of their credit cards when they file. It’s not a surprising question. After years of relying on credit cards as a security net or for the occasional splurge, the idea of giving […]

Are You Hiding Credit Card Debt from Your Spouse?

Credit card debt is common in American marriages, and also fairly common is one spouse hiding credit card debt from the other. When one person’s spending habits are drastically different than that of the other, or spending is related to behavior a person wants to hide from his or her spouse, such as an affair […]

Three Surprising Things to Know about Your Credit Score

If you are dealing with financial problems it is important you be aware of and to understand the meaning of your credit score. Your credit score is one of the most important factors affecting your financial health. Once you understand how your credit score is created and used, you can take the steps necessary to […]

Five Signs the Time Has Come to Speak to a Bankruptcy Attorney

The problem encountered by many people with financial issues is recognizing the point at which to take action. Obviously, if your financial problems are minor, you can “tighten the belt” a bit until things improve. However, there comes a point at which no more belt tightening is possible. Things are spiraling out of control and […]

Private Student Loans Lead to Bankruptcy for Florida Graduates

A large number of college students around the country and in Florida rely on student loans to pay for their education. Some of those student loans come from private lenders, which can be more expensive than federal student loans. Not being able to repay private student loans has led many graduates to file for bankruptcy. […]

More Credit Card Debt Info is Being Put on Credit Reports

Florida consumers may be surprised to learn that in the last year, the three credit bureaus have starting adding payment histories to credit reports. They are doing so in an effort to give lenders a better picture of a consumer’s credit card debt. For now, this information is not affecting a person’s credit score, but […]

When it Comes to Florida Credit Card Debt, is Younger Better?

A lot of the young people nationwide and in Florida that were teenagers when the housing market and economy collapsed may now be either in college or graduating from college. Research shows that these young people may be better at dealing with credit card debt than their parents. There are different schools of thought as […]

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Tampa Bankruptcy Law Blog

5 Common Budgeting Mistakes Newlyweds Make and How to Avoid Them

Budgeting mistakes are common, especially when you’re young. Not all newlyweds are young adults, but many first-time marriages do involve...
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When Should Married Couples File for Bankruptcy Together?

There's no easy answer to the question of timing when it comes to bankruptcy. In some cases, it may make...
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Can Your Spouses Debt Force You Into Bankruptcy?

If you're married and your spouse has a lot of debt, you may be wondering if that debt can force...
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Do You Need a Bankruptcy Attorney If You’re Divorcing with Financial Problems?

Divorce and bankruptcies are more common than many people realize. Financial problems make a stressful transition even more difficult. If...
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Can You File Bankruptcy without Your Spouse?

Filing for bankruptcy is a decision that should not be taken lightly. It can affect your financial life and the...
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How Seniors Can Avoid Bankruptcy

Seniors are at a high risk of bankruptcy, but there are ways to avoid it. What do you need to...
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What Happens If I Own Too Many Assets to File for Chapter 7?

Does hiding assets in bankruptcy protect them from your creditors? If you own too many assets to qualify for Chapter...
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How to Find the Best Lawyer for Filing for Bankruptcy after Retirement

Many retirees decide to file for bankruptcy as a way to get a fresh start. But finding the right lawyer...
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Does Declaring Bankruptcy Affect My Retirement Savings?

When you're struggling with debt, the thought of bankruptcy might cross your mind. But what would that mean for your...
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Is a Reverse Mortgage Right for Me?

Reverse mortgages in Florida are loans that allow homeowners 62 and older to borrow against the equity in their homes....
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