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Debt Relief Archives

Stop creditor harassment now

At Kingcade Garcia McMaken, we know that plenty of law-abiding Florida residents are the targets of ruthless-- and sometimes illegal-- harangues on the part of people to whom they owe money. There are even professional debt collection companies that make a sport and a business of hassling our neighbors.

Dealing with debt after a divorce

The last thing that Florida residents want is to add more problems to their divorce process. Unfortunately, since the state's divorce courts divide debt in a similar manner to assets, financial stress is sometimes unavoidable. While no debt relief strategy is perfect, there are ways to minimize the impact of post-divorce debt.

Ways to rebuild your credit after bankruptcy

Florida residents who have completed bankruptcy proceedings may wonder if the hard part is just ahead, namely rebuilding their credit score. To many people, bankruptcy feels like a scarlet letter, a sign of massive financial failure that is hard to ever recover from. However, according to Forbes, there are ways to rebuild a credit score following bankruptcy and to restore one's financial reputation.

Making your taxes a priority

Anywhere you are in the nation, Florida included, tax season always springs up at the same time of year. In the current atmosphere of economic change, you might be tempted to neglect giving your business's taxes the full attention they deserve. That neglect is even more likely if you have accrued other debts you believe should take priority. At Kingcade & Garcia, P.A., we often help clients with tax issues during debt relief and bankruptcy processes, but we are only empowered to do so if our clients have stayed diligent in their past filings.

Debt relief: what to do when the bills pile up

Florida residents who have run into a streak of bad luck and find medical bills piling up may find themselves tempted to file for bankruptcy. According to USA Today, Americans choose bankruptcy most often as a result of outstanding healthcare expenses. When emergency surgeries or other unexpected crises impact financial well-being, what should families do?

When can wages be garnished?

One of the biggest concerns you may have when you are facing a lot of debt in Florida is having your wages garnished. This can be devastating because the chances are good that you are having trouble paying your bills with the money you are making and if garnished, you will not be bringing home even less money. It can throw you into even deeper debt. So, when can a debt collector garnish your wages?

What is the danger of credit card debt?

Getting a credit card in Florida can make you feel secure like you have extra money if you need it. However, it is really easy to use the credit card for situations where you didn't need to spend money. Credit cards can lead you to live beyond your means. Eventually, all that debt catches up with you. 

Common reasons older people file for bankruptcy

With increasing debt loads hitting today's senior Florida residents, many older Floridians are turning more and more to bankruptcy court to resolve their financial problems. According to a recent article by Forbes, there are a number of reasons senior Americans are looking to bankruptcy to help them out of fiscal trouble.

Can a creditor freeze your bank account?

It is very easy to get into debt in Florida. Anyone can overspend or over extend themselves. However, once your debt becomes problematic and you can no longer make your payments, some creditors may take drastic steps. You may be concerned about the security of your bank accounts in such a situation. Typically, for secured debts, you do not have much to worry about because they take whatever it is that secured the loan, such as your home or car. However, for unsecured debts, creditors may very well go after your bank accounts.

What you need to know about 0-interest credit cards

If you are like many Floridians, you have probably received an offer in the mail for a 0-interest credit card, and you may have found that offer appealing. Before you sign on the dotted line, however, keep in mind that credit card companies are there to make a buck, and they rarely act in a customer's best interest. At the law office of Kingcade Garcia McMaken, we have a firm understanding of how credit card companies operate, and we have assisted many clients who have fallen behind on their credit card payments or otherwise found themselves facing seemingly insurmountable debt.

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