by Ofer Shmucher | Aug 13, 2015 | Uncategorized
During a recent free consultation in my Miami Florida office a potential debtor asked me if it was possible to discharge personal debts in a bankruptcy. An easy way to describe personal debts is debts that you owe to a family member or a friend. Typically as times get... by Ofer Shmucher | Aug 5, 2015 | Uncategorized
After I explain the bankruptcy process to my potential clients they all tend to ask me the same questions. One of those questions is whether or not the bankruptcy trustee can come to their home. The short answer is no, but they have a right to do so. One of the Miami... by Ofer Shmucher | Aug 3, 2015 | Ask the Bankruptcy Attorney, Bankruptcy Process
Last week I received a telephone call from a prospective client who was interested in discussing bankruptcy options. The potential client was a referral from a previous client. After we chatted about the bankruptcy process and his particular situation, he asked me... by Ofer Shmucher | Jul 24, 2015 | Bankruptcy Process, Uncategorized
The easiest explanation of what the Means Test is, is that it is a test that determines what type of bankruptcy a debtor can file, either Chapter 7 or Chapter 13. When filing for bankruptcy a debtor must understand that he or she may not be eligible to file any... by Ofer Shmucher | Jul 23, 2015 | Bankruptcy Process, Chapter 13 Bankruptcy, Uncategorized
Every week or so I go to Chapter 13 meeting of the creditors in Broward or Miami-Dade County and I wait for my cases to be called. Over and over again I see individual debtors, who filed for Chapter 13 bankruptcy protection, get their cases dismissed. One of the first... by Ofer Shmucher | Jul 22, 2015 | Bankruptcy Process, Chapter 13 Bankruptcy
An individual seeking to obtain bankruptcy protection has a few options regarding which type of bankruptcy to file. The most common options are either a Chapter 7 bankruptcy or a Chapter 13 bankruptcy. There are pros and cons for filing each one and the decision on... by Ofer Shmucher | Jul 18, 2015 | Ask the Bankruptcy Attorney, Bankruptcy Process, Chapter 13 Bankruptcy, Chapter 7 Bankruptcy
One of the most important possessions, for my clients, is a car. Clients need a reliable car to get them to and from work, pick up their kids, etc. Before purchasing a car you need to consider if you can afford the car, if you will get approved for a loan, and have... by Ofer Shmucher | Jul 16, 2015 | Ask the Bankruptcy Attorney, Bankruptcy Process, Chapter 13 Bankruptcy, Chapter 7 Bankruptcy
Typically when a debtor files for bankruptcy, in Southern Florida, two things can happen: 1. they get their discharge 2. they get their case dismissed A debtor filing for bankruptcy is ideally seeking a discharge of their debts, because a discharge means that the... by Ofer Shmucher | Jul 14, 2015 | Bankruptcy Process, Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Disability Payments, Social Security
I had a recent free consultation in my Miami office, and the debtor asked me if his social security or disability payments would be affected by the filing of a Chapter 7 bankruptcy. The answer to that question is NO government Social Security or Disability payments... by Ofer Shmucher | Jul 9, 2015 | Ask the Bankruptcy Attorney, Bankruptcy Process
I have lots of clients who were thinking of filing for bankruptcy but were extremely hesitant to call and speak to an attorney regarding their situation. Instead they read articles online which may or may not apply in their situation and just make them even more...
