What types of defenses are available to me? I apply many defenses in foreclosure actions. Never attempt to represent yourself in a foreclosure law suit, you should only hire an experienced attorney that is well equipped and has years of experience at the trial and appellate court levels to handle your foreclosure action. A few…

Conventional wisdom would have you believe that student loans, unlike virtually any other personal loan or debt, is not dischargeable in bankruptcy. Fortunately, conventional wisdom is wrong. For many students, student loans are an unavoidable part of starting their adult lives, in much the same way that buying their first house was for previous generations….

Many people wonder how the bankruptcy process affects child support payments. When filing a Chapter 7 bankruptcy, there are certain debts which are eligible for discharge. Child support payments do not fall into this category. A Chapter 7 bankruptcy will not alleviate someone of their obligation to make child support payments. Read below to learn more about…

Filing for a Chapter 7 bankruptcy requires meeting certain criteria. One of the ways to determine whether or not you are a candidate for filing Chapter 7 is by taking a means test. A means test determines if your income is low enough to file for Chapter 7. Filers who have higher incomes and fail the means…

When you file for bankruptcy, you are allowed exemptions on such items as equity in your home. An exemption means that the equity, up to the amount of the exemption, is exempt from the claims of your creditors, whether you are filing for Chapter 7 or Chapter 13 bankruptcy. The amount varies by state, as…

Bankruptcy is a term that scares many individuals, but there are many advantages to filing for bankruptcy. There are two distinct types of bankruptcy, which are Chapter 7 and Chapter 13. Although the two types contrast each other greatly, the main difference is based on the exemptions a person is granted. When an individual files for bankruptcy,…

Filing for either Chapter 7 or Chapter 13 bankruptcy in Florida is a complicated process. Some stipulations follow Federal law re bankruptcy, while other stipulations are quite specific to the state. Below are 5 facts about filing bankruptcy in Florida that you should know. First, there are education requirements for both Chapter 7 and Chapter…

DISTRICT COURT OF APPEAL OF THE STATE OF FLORIDA FOURTH DISTRICT SUNTRUST MORTGAGE, Appellant, v. DEAN CALVIN TORRENGA and KATHLEEN ANN TORRENGA, Appellees. No. 4D13-4590 [December 10, 2014]Appeal from the Circuit Court for the Fifteenth Judicial Circuit, Palm Beach County; Joseph Marx, Judge; L.T. Case No. 502009CA017609XX. Anna B. Middleton of McCalla Raymer, LLC, Orlando, for…

Bankruptcy isn’t one-size-fits-all. Filing for Chapter 7 seems pretty promising, as it offers forgiveness on all debt. However, there are drawbacks that need to be carefully considered as well. Benefits When filing any kind of bankruptcy, your debtors will no longer be allowed to harass you. This is a benefit of both Chapter 7 and Chapter 13 but…

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