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November 2018 Archives

Do you qualify for Chapter 7 bankruptcy?

If you have considered filing for bankruptcy in Florida, you may be unsure of which type of bankruptcy is best for your situation. Chapter 7 bankruptcy, also referred to as liquidation bankruptcy, is most common in the United States, as people attempt to emerge out from under a pile of credit card debt, medical expenses, mortgages and other expenses. Chapter 7 bankrutpcy absolves these debts and gives you a fresh financial start. In order to file for Chapter 7, however, you must meet the requirements set by the Bankruptcy Code and the United States Courts.

How can you avoid filing for bankruptcy?

If you are currently living with overwhelming debt in Florida, you may worry that bankruptcy is your only debt relief option. Fortunately, it is not. While there is nothing wrong with filing for bankruptcy, according to U.S. News - Money, many people often consider it one of the top five life-changing adverse events a person can go through in his or her lifetime, along with disability, severe illness, divorce and the loss of a loved one. If you are one of these people, you may want to know what you can do to avoid bankruptcy but still get your financial life back on track.

Can I get a loan modification?

When you have financial trouble, one of your first concerns may be your mortgage. The last thing you want is for it to go into foreclosure and to lose your family home. Your lender also wants to avoid this, so it may offer you a solution called a loan modification. This option is a great way for Florida homeowners to save their homes and get back on track financially.

How do I find a good credit counseling agency?

Since good credit counseling can save you from a possible stint in bankruptcy court, you want to find the best credit counselor for you in the state of Florida. Still, with the variety of choices available, you might feel lost. Some people may also feel panicked because of their mounting debt and decide to go with the first counselor they come across. However, Nerdwallet suggests you will be better off if you undertake some careful preparation before making a commitment to any counseling agency.

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