Will A Personal Swimming Pool Loan Be Included in Bankruptcy?

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A bankruptcy lawyer will tell you that individual advances from acquaintances, family members, a bank, or a credit union are liabilities that may be dismissed in insolvency. A dismissal excuses the person borrowing funds from the legitimate responsibility to repay previous liabilities. Some instances of liabilities that may be dismissed include swimming pool loans, charge cards, doctor bills, past due utility bills, returned checks, and court of law costs that aren’t thought to be deceitful. There are 19 types of debt that may not be Read More +

Mortgages, Bankruptcy, and Foreclosure in Tampa

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If you are determined to prevent foreclosure on your home, you may decide that filing for bankruptcy is for you. Under both Chapter 7 and Chapter 13 bankruptcy, you are entitled to keep your primary home should you decide to file. Under Chapter 7, you may be required to liquidate your assets. With Chapter 13, you are required to repay a set amount to your bankruptcy trustee each month. If you decide Chapter 13 is the right way to file, you may also be able Read More +

Bankruptcy May Be Costlier Than You Think

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When you have a bankruptcy attorney file bankruptcy for you near Lakeland, you’ll be able to either discharge or restructure your debts so that you’ll have additional time to repay any debts that you owe. Not only will you still owe money, but filing for bankruptcy comes with a cost of its own. This cost depends on the type of bankruptcy you file and whether you decide to hire a bankruptcy attorney (which is something you should do). There are also long-term costs to be Read More +

7 Essential Tips for A Brighter Financial Future

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Are you feeling overwhelmed and stressed about your finances? It’s completely understandable, as managing money can be a daunting task. However, it’s important to remember that you’re not alone in this struggle. According to a 2020 study conducted by Capital One, a staggering 77% of participants reported feeling anxious about their financial situation. The good news is that there are a variety of resources available to help you manage your finances effectively. By taking a proactive approach to your financial situation, you can reduce your Read More +

Should You File for Bankruptcy or Divorce First?

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Many people who are getting divorced near Clearwater cite it as the main reason why they’re also filing bankruptcy. A little planning can make both of these things less complicated and more cost-effective, too. There are certain factors you should consider when determining the best time for filing bankruptcy – things such as where you live, how much property you own, how much debt you have, and what type of bankruptcy you’re trying to file for. Filing Bankruptcy Together (a.k.a., a Joint Petition)You, and possibly Read More +

Money Saving Tips

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It’s a common misconception that you need everything to be perfectly aligned before you can start saving money, but this is not the case. In fact, if you wait for the “right time,” it’ll never happen. That’s why the best time to start saving money is right now. Fortunately, there are a lot of straightforward strategies that you can use to save money. Here are some that you may not have even thought of before. Cut down on your grocery budget.After you put together your Read More +

Why DIY Bankruptcy is A Bad Idea

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Bankruptcy is a complex legal process that has a lot of laws and procedures that may feel overwhelming if you aren’t properly trained to deal with them. Nevertheless, some people are still choosing to file for bankruptcy without help from a lawyer. This is known as “pro se” or DIY bankruptcy. While a DIY bankruptcy may appear to be a great option (especially if you want to save money by not paying for a bankruptcy attorney in Tampa), you need to understand the risk you’re Read More +

Should You Hire A Bankruptcy Attorney or Complete Debt Consolidation?

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It can be very difficult and time-consuming to resolve your financial situation. Many believe that debt consolidation is the way to go, but for others, it makes sense to hire a bankruptcy attorney. So how do you know if you should pursue debt consolidation or hire a bankruptcy attorney? Let us be the first to say that there are many pros and cons to each one. Here we will take a deeper look into which decision may be best for you. Consolidating debt includes applying Read More +

Strategies to Manage Financial Stress

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In today’s world, money is important, and many people in Clearwater and beyond are stressed about their finances. In fact, around the world, money and financial resources are some of the common reasons for high-stress levels. It can often feel like an unhealthy bank account naturally creates other health problems, such as anxiety, depression, and unmanageable stress. If you’re worried about money and want to find new ways to manage your financial stress, here are some of the strategies to consider. Create a Plan You Read More +

How to Manage Your Mental Health When Filing Bankruptcy

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While money can’t buy happiness, it can make you feel sad, embarrassed, fearful, and stressed. These emotions may cause you to put off filing bankruptcy, but instead of letting your emotions stop you, remind them that this is a financial strategy that’ll give you a fresh start. Albeit, it’ll take time, and you’ll need to manage your mental health during this time. There are some things you can do to deal with it in a healthy way. Acknowledge the reality of your situation and how Read More +