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.

Author Archives: Jay Butchko

MortgageLoan

Brace Yourself If You Are Trying to Get Your Finances in Order So You Can Apply for a Home Mortgage Loan

By Nowack & Olson, PLLC |

It is not just your imagination that it is a long process for applying for pre-approval for a home mortgage loan to actually closing on the purchase of the house and signing the loan agreement.  Before you can settle into your new home and your new set of worries about keeping up with your… Read More »

Facebook Twitter LinkedIn
CashInHand

Toyota Pays $60 Million Settlement to Consumers to Whom It Charged Unfair Fees

By Nowack & Olson, PLLC |

It is common knowledge that the worse your financial situation is, the less buying a car improves it.  If your budget for buying a car is in the triple digits, then you are stuck buying a jalopy that is older than you are from a friend of a friend or purchasing a vehicle with… Read More »

Facebook Twitter LinkedIn
BNPL

BNPL Holiday Shopping Trends

By Nowack & Olson, PLLC |

When you are a child, the holidays are pure joy except when you notice how grumpy and worried the adults around you seem.  When you are grown up, the holiday gloom makes a lot more sense.  Being broke is no fun, no matter the weather, but it is even worse during the holidays, when… Read More »

Facebook Twitter LinkedIn
Cash

Getting the Right Personal Loan Takes Strategy, Patience, and Luck

By Nowack & Olson, PLLC |

One of the symptoms of financial long COVID is that most of the pieces of mail that arrive in your mailbox are either bills and past due notices or advertisements for personal loans.  At certain times of year, there might be the occasional holiday greeting card in the mix, but other than that, everything… Read More »

Facebook Twitter LinkedIn
Bankr24

Closing on a Home Mortgage Loan Is a Marathon, Not a Sprint

By Nowack & Olson, PLLC |

Applying for a home mortgage is an awkward in-between stage, to say the least.  On the one hand, you are so close to the dream of homeownership that is beyond most people’s reach that you feel like complaining about your financial situation would be in poor taste.  On the other hand, until you walk… Read More »

Facebook Twitter LinkedIn
Bankruptcy17

Preparing Documents for Your Chapter 7 Bankruptcy Filing

By Nowack & Olson, PLLC |

The most successful New Year’s resolutions are the ones you start working on in the old year.  People who are really serious about losing weight adopt healthy habits starting now, to whatever extent they can, instead of procrastinating until some apparently auspicious date.  The agony of smoking the tenth to last cigarette in what… Read More »

Facebook Twitter LinkedIn
Bankr10

Chapter 7 Bankruptcy Can Be a Relief If You Are Between Jobs

By Nowack & Olson, PLLC |

You have probably heard a lot of conflicting information about filing for bankruptcy.  Filing for bankruptcy gets rid of all your debts, except when it doesn’t.  The bankruptcy court can sell your possessions, except when it can’t.  Everyone has the right to file for bankruptcy protection, but filing for bankruptcy costs money.  Once you… Read More »

Facebook Twitter LinkedIn
CarLease

Does It Make Economic Sense to Lease a Car?

By Nowack & Olson, PLLC |

It is usually cheaper in the long run to pay for assets on a permanent basis than a temporary one.  If you make mortgage payments on a house for five years, your monthly payments will be less than if you were to make five years’ worth of rent payments on the same house, and… Read More »

Facebook Twitter LinkedIn
Bank17

The Worst Legal Problems That Debt Can Cause

By Nowack & Olson, PLLC |

Debt is a major source of stress for most people.  People worry constantly about debts they cannot repay, but really, what is the worst that can happen if you do not pay your debts?  You can’t go to debtors’ prison, but you can face some unpleasant consequences.  People choose to address their debt because… Read More »

Facebook Twitter LinkedIn
DebtIncrease

Programs to Help Miami Residents Afford Homeownership

By Nowack & Olson, PLLC |

Improving your credit score requires a lot of work over a long period of time, so most people do not do it merely for bragging rights.  Someone out there loves attention enough that they might tweet the number “700” to everyone they know on Twitter, just to rub it in their online friends’ faces… Read More »

Facebook Twitter LinkedIn