Florida Bankruptcy Law Blog

Filing Bankruptcy in Jacksonville Florida
Means Test & New Higher Median Income
Filing bankruptcy in Jacksonville and Florida recently got a little easier. On April 1, the Justice Department raised the median income amounts for the State of Florida. Raising the median income amount makes qualifying for Chapter 7 bankruptcy easier, … Read More

Stop Creditor Harassment: Telephone Consumer Protection Act
Florida Consumers & TCPA – Know Your Rights

Most Florida residents are entirely unaware of their consumer rights. That is good news to collection agencies who use telephone harassment as their chief … Read More

Creditor harassment is, well, a bummer.
It’s no wonder that thousands of Florida residents seek bankruptcy protection in the Middle District of Florida each month. The bankruptcy automatic stay stops creditor harassment cold. However, there are other important federal laws that can help you fight debt harassment before your … Read More

Getting served a Florida summons for a credit card debt will wreck your day. . . and week. . . and month. Most individuals don’t understand the lawsuit process, so let’s take a brief look at your options after you have been sued:

Do Nothing
The court summons in a civil case … Read More

Most Jacksonville residents breathe a sigh of relief once they receive their tax refunds. That’s the signal that tax season is over, right? Unfortunately, at this time of year many receive a nasty surprise in their mail from the IRS: a notice of a tax deficiency! The IRS wants you … Read More

Most Jacksonville area consumer bankruptcy attorneys have a passion for the law and for helping deserving individuals forge a better financial future, but there are also bills to pay. The practice of law and the business of running a law firm often overlap. Ultimately, Florida bankruptcy attorneys have two … Read More

One of the favorite games played by Jacksonville children each summer is tag. The rules are pretty simple: one player is chosen to be “it,” and the other players try to avoid being tagged. One of the most common variants of tag is the inclusion of a “safe” area, like … Read More

Portfolio Recovery Associates Won’t STOP Pestering You? Become an Advocate for yourself!!
Just because you may owe debt or may know someone who owes a debt does not give PORTFOLIO RECOVERY ASSOCIATES the right to call and harass you or someone you may know! Federal law is on your side … Read More

Relationship between The Florida Consumer Collections Practices Act and MARKONE Financial
Just because you may owe debt or may know someone who owes a debt does not give MARKONE Financial the right to call and harass you or someone you may know! Federal and state law are on your side and … Read More

Relationship between The Florida Consumer Collections Practices Act and CACH, LLC
Just because you may owe debt or may know someone who owes a debt does not give CACH, LLC the right to call and harass you or someone you may know! Federal and state law are on your side and … Read More

CAVALRY SPV I, LLC Won’t STOP Pestering You? Become an Advocate for yourself!!
Just because you may owe debt or may know someone who owes a debt does not give CAVALRY SPV I, LLC the right to call and harass you or someone you may know! Federal law is on your … Read More

The bankruptcy process is very intimidating.

Filing bankruptcy commences a lawsuit in federal court. Many licensed attorneys find federal court daunting, so it is no wonder that the average person is intimidated. One law professor described the difference between state court and federal court as, “The difference between rock and roll … Read More

Bankruptcy law in Jacksonville is sometimes like an Easter egg hunt. Some laws are clearly written and easy to find. Others are obfuscated and buried. Take, for example, Section 522(b) of the federal Bankruptcy Code which states that the debtor may exempt certain property from the property of the bankruptcy … Read More

One of the most common questions asked during a Jacksonville bankruptcy consultation is, “Will filing bankruptcy ruin my credit?”

The typical bankruptcy attorney answer is, “Isn’t your credit already ruined?”

That flippant response doesn’t really answer the question. Actually, the client is seeking information, but may not know how to properly … Read More

Most debtors choose Chapter 13 bankruptcy in part to protect secured property, such as a house or car. Chapter 13 can be a powerful tool for restructuring loans, including stripping off the unsecured portion of a loan, or changing the interest rate or payment term. But what happens when something … Read More

F.W. Maitland, a famous legal historian wrote, “Such is the unity of all history that anyone who endeavors to tell a piece of it must feel that his first sentence tears a seamless web.” (A Prologue to a History of English Law, 14 L. Qtrly Rev. 13 (1898)). Law school … Read More

Spring is a good time for Jacksonville bankruptcy attorneys because that’s when clients receive their tax refunds! Clients regularly use tax refunds to bankruptcy costs like attorney fees, credit counseling fees, and bankruptcy court filing fees. For many Jacksonville residents, receiving a fat tax refund is the only way … Read More

Certain Domestic Support Obligations (DSOs) are never, ever dischargeable in any Florida bankruptcy case. Child support is a DSO that will survive a Jacksonville bankruptcy, regardless whether it is a current or past debt. Additionally, Congress decided that the bankruptcy automatic stay does not apply:
1. to the … Read More

Are you being harassed by AT&T? Stop the harassment and get monetary damages. There is no need to pay for our services whether you owe the debt or not, you are protected by the Fair Debt Collection Practices Act (FDCPA). The Fair Debt Collections Practices Act (FDCPA) guarantees you have … Read More

Are you being harassed by Sprint? Stop the harassment and get monetary damages. There is no need to pay for our services whether you owe the debt or not, you are protected by the Fair Debt Collection Practices Act (FDCPA). The Fair Debt Collections Practices Act (FDCPA) guarantees you have … Read More

Are you being harassed by Credit One Bank? Stop the harassment and get monetary damages. There is no need to pay for our services whether you owe the debt or not, you are protected by the Fair Debt Collection Practices Act (FDCPA). The Fair Debt Collections Practices Act (FDCPA) guarantees … Read More

Post-bankruptcy appreciation of property of a Florida bankruptcy estate is not exempt. For example, suppose a Chapter 7 debtor owns 100 shares of stock in Gooey Gum, Inc, with a value of $10 per share on the day she files bankruptcy. The debtor’s attorney applies $1,000 of an available … Read More

There are many, many rules when it comes to bankruptcy in Florida. Rules that tell you what chapter you can file under, rules that tell you how much to pay, rules for how long you have … Read More