Author Archives: Jay Butchko
How Bankruptcy Affects Renting a Home
If you are struggling with debt you cannot afford to repay, bankruptcy can act as a financial reset button. Unfortunately, the process has its own distinct challenges. People filing bankruptcy have many concerns, including whether they will be able to rent a home afterwards. While filing bankruptcy should not prevent you from renting a… Read More »
Documents Needed When Filing Chapter 7 Bankruptcy
Filing Chapter 7 bankruptcy in Florida is a complicated process that requires careful attention to detail. Collecting and submitting the necessary documents is one of the most important parts of the process. When filing Chapter 7, you will have to submit approximately 50 different documents, or even more. Below, our Florida Chapter 7 bankruptcy… Read More »
Common Reasons for Filing Bankruptcy
Bankruptcy can provide a fresh financial slate if you are struggling with debt that you cannot repay. Unfortunately, there is still a stigma surrounding bankruptcy and people who file it. Contrary to what many people think, those who file bankruptcy are not financially irresponsible. The truth is that the vast majority of adults incur… Read More »
Florida Households Owe Texas-Sized Debts
Florida never loses its appeal, no matter how many consecutive summers the Sunshine State finds itself in the path of a hurricane, and no matter how many iguanas and alligators walk across your yard, or even right up to your doorstep. Florida has seen a steady growth in its population. People come to Florida… Read More »
Bankruptcy Clinics
Now that tax refund season is here, those of us who have lived from paycheck to paycheck all year have started daydreaming about how we will spend our tax refund money when it arrives. Gone are the days when people used their tax refunds to buy a new car; with the price of cars… Read More »
What are Florida’s Bankruptcy Exemptions?
There are many misconceptions about filing bankruptcy in Florida. Of all of them, one of the biggest is that those who file will lose everything they own. This is not true and in fact, many people who file bankruptcy do not lose any property at all. Within the Bankruptcy Code, Congress provided for federal… Read More »
What Debts are Not Dischargeable in Bankruptcy?
People file bankruptcy in an effort to eliminate debt and get a fresh financial start. While it is true that bankruptcy is a viable option for people who are struggling with significant debt that they cannot repay, it is a common misconception that bankruptcy will completely eliminate all debt. There are certain types of… Read More »
Can Creditors Violate the Automatic Stay in Bankruptcy?
One of the reasons people choose to file bankruptcy is to stop collection efforts. When people owe a significant amount of debt, they often face constant phone calls from debt collection companies, wage garnishments, and even foreclosure actions on their home. Filing bankruptcy does not only allow borrowers to discharge some or all of… Read More »
What Rights Do Florida Borrowers Have?
When you owe a significant amount of debt you cannot repay, it can feel as though you do not have any rights. In fact, creditors and debt collection companies may even tell you that you do not have any rights in this situation. Fortunately, that is not true. Being owed a debt does not… Read More »
Steps During a Home Loan Modification
If you have failed to pay your mortgage for several months, your lender may initial foreclosure proceedings. If the foreclosure follows through, you will have to leave your home, even though you may still owe money on it when that time comes. Fortunately, you do have options that can help you save your home…. Read More »