Switch to ADA Accessible Theme
Close Menu
Florida Bankruptcy Lawyer
Call Today For A Free Consultation 866-907-2970 Hablamos Español

$0 down and low payment plans available. We can assist you without having to leave your home.

Monthly Archives: January 2022

MedicalDebt2

Medical Debt In Florida Is As Bad As You Think It Is

By Nowack & Olson, PLLC |

No matter how cautious you are with money, one accidental injury or serious but temporary illness can throw your finances into disarray.  Unpaid medical bills represent a substantial portion of Americans’ debt burdens, especially in the income brackets where qualifying for a home mortgage or even most car loans is beyond most people’s reach. … Read More »

Facebook Twitter LinkedIn
BankLaw

Discharging Debts In Bankruptcy After Creditors Have Already Started Garnishing Your Paychecks To Collect Them

By Nowack & Olson, PLLC |

Bankruptcy is an efficient way to make debts disappear.  Almost any kind of debt, with the exception of alimony, child support, court-ordered fees and fines, tax debts, and some student loans, can vanish into thin air; in other words, bankruptcy can make most consumer debt simply go away.  Most people struggle for years before… Read More »

Facebook Twitter LinkedIn
Bank10

The Head Of Family Exemption And Florida Wage Garnishment Laws

By Nowack & Olson, PLLC |

As frightening as it sounds, the court can give permission to a creditor to take money out of your paycheck before your hard-earned money even reaches your bank account.  Just as the law requires your employer to withhold certain amounts of money from your paycheck for taxes, a garnishment order requires your employer to… Read More »

Facebook Twitter LinkedIn
CreditorHarrassment

Creditors (And Trolls Impersonating Them) Can Now Contact You On Social Media

By Nowack & Olson, PLLC |

Until last month, what was the worst kind of message you could have received on social media? Any message that begins “hey, hun” is pretty bad; although there is probably someone somewhere who talks that way in real life, anyone who begins a Facebook message is probably trying to recruit you into a multi-level… Read More »

Facebook Twitter LinkedIn
OverdraftFees

Good Riddance To Overdraft Fees

By Nowack & Olson, PLLC |

Anyone who has ever lived paycheck to paycheck has probably lamented that, unless you are wealthy enough to carry a hefty bank account balance at all times, banks charge you fees to use your own money.  It is just one of the many obstacles to getting out of debt.  Overdraft fees have been a… Read More »

Facebook Twitter LinkedIn
FileBank

Do You Fit The Profile Of A Typical Bankruptcy Filer?

By Nowack & Olson, PLLC |

You have probably heard all the stereotypes about people who file for bankruptcy.  There’s the guy who makes extravagant purchases and invests in business ventures that have little chance of success and then, instead of paying up, declares bankruptcy when the bills come due.  Then there’s the guy who declares bankruptcy after a divorce,… Read More »

Facebook Twitter LinkedIn
Debt9

Can Bankruptcy Save You From Florida’s Kafkaesque Public Benefits System?

By Nowack & Olson, PLLC |

Anyone who thinks that people who receive public benefits are lazy has never tried to collect unemployment insurance, pandemic-era rental assistance, or Supplemental Nutrition Assistance Program (SNAP) benefits.  Trying to get the money that you qualify to receive is as much work as most jobs.  In Britain, where the social safety net is much… Read More »

Facebook Twitter LinkedIn
LoanMod

When Your Mortgage Forbearance Is Ending, But You’re Still Broke

By Nowack & Olson, PLLC |

Many of the solutions that the federal government and private businesses offered to financially distressed consumers during the COVID-19 pandemic were meant to be short-term, but the pandemic has proven to be anything but that.  Even though some programs ended up getting extended or renewed, the temporary generosity of the private and public sectors… Read More »

Facebook Twitter LinkedIn
Bankruptcy20

The Six Types Of Bankruptcy In Florida

By Nowack & Olson, PLLC |

Just as Florida recognizes six types of alimony, it also recognizes six types of bankruptcy filings.  Most people you know who have filed for bankruptcy probably filed for chapter 7 or chapter 13 bankruptcy, because these are the categories of bankruptcy protection that apply to individuals.  If you know someone who filed for bankruptcy… Read More »

Facebook Twitter LinkedIn
FinancTrouble

Signs That Your Mortgage Lender Is Setting You Up For Failure

By Nowack & Olson, PLLC |

During the pandemic, some programmers designed a bot that could imitate the writing style of texts input into it.  The New Yorker showed an original passage from Kafka’s Metamorphosis, followed by a passage the bot created using Kafka’s prose as an example, and heck if the bot’s take on the sufferings of a man… Read More »

Facebook Twitter LinkedIn