by Ofer Shmucher | Jan 7, 2016 | Ask the Bankruptcy Attorney, Bankruptcy Process, Chapter 13 Bankruptcy
Mortgage Modification Debtors who have attempted to modify their mortgage loans without the assistance of an attorney have realized how difficult the process is. Lenders routinely reject debtors because they have failed to include the correct documentation or have not... by Ofer Shmucher | Jan 6, 2016 | Ask the Bankruptcy Attorney, Bankruptcy Process, Chapter 13 Bankruptcy, Chapter 7 Bankruptcy
In South Florida, numerous individuals lease vehicles rather than purchase. So, I routinely get asked by my clients what happens to their leased vehicle when they file for bankruptcy. The answer is that it depends on what you want to do with your car. Keep and... by Ofer Shmucher | Dec 29, 2015 | Chapter 13 Bankruptcy, Chapter 7 Bankruptcy
I often get asked by my Hollywood Florida bankruptcy clients approximately how much will the entire process costs. My answer is always – it depends on the type of bankruptcy you are doing and the complexity of your bankruptcy case. I can give general answers... by Ofer Shmucher | Dec 28, 2015 | Bankruptcy Process, Chapter 13 Bankruptcy, Chapter 7 Bankruptcy
Recently I had a debtor come into my office who, through his employer, pays for legal insurance. His legal insurance provider is a company called ARAG. There are different options on how ARAG pays for your legal needs, depending on the type of ARAG insurance you... by Ofer Shmucher | Dec 23, 2015 | Uncategorized
Dealing with debt collectors and all their tricks and scripts is not something individuals would like to do on their own. It is possible that an individual can obtain a good settlement but they will likely not be able to understand the settlement agreement or be made... by Ofer Shmucher | Dec 17, 2015 | Uncategorized
Short Sales, you’ve heard the term but what does it mean. Individuals who are behind on their homes or have high mortgage debt have been advised to do a short sale on their property. Yes there are many advantages to doing a short sale on a property but their... by Ofer Shmucher | Dec 11, 2015 | Bankruptcy Process, Chapter 13 Bankruptcy, Chapter 7 Bankruptcy
One of the most common questions that I get during a free initial consultation is how long will my bankruptcy remain on my credit report. The answer depends on the type of bankruptcy that you file. Chapter 7 Bankruptcy If you filed a Chapter 7 bankruptcy then your... by Ofer Shmucher | Nov 10, 2015 | Uncategorized
The first thing I ask my clients, during our free consultation in the Miami office, is why are they thinking of filing for bankruptcy. Usually the respond that they have too many debts and they can’t continue to pay. They then begin to tell me all of their... by Ofer Shmucher | Nov 6, 2015 | Ask the Bankruptcy Attorney, Bankruptcy Process, Chapter 13 Bankruptcy, Chapter 7 Bankruptcy
One of the most common questions I have, during my free consultations, is whether or not the filing of a bankruptcy in Miami or Fort Lauderdale Florida will have any effect on the debtor’s immigration status. The simple answer is no, the filing of a bankruptcy... by Ofer Shmucher | Oct 2, 2015 | Uncategorized
When I initially speak with potential clients on the phone they usually ask me if I need them to bring their credit card statements to our free initial consultation. Typically the answer is no. Not to Bring Credit Card Statements In the majority of my cases a debtor...
