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... by Ofer Shmucher | Oct 1, 2015 | Uncategorized
Yesterday a Chapter 13 bankruptcy client of mine called to ask me a question about debt. The client filed for a Chapter 13 bankruptcy last week and yesterday they had to go to the emergency room because of an illness. They asked me if it was possible to include the... by Ofer Shmucher | Sep 17, 2015 | Uncategorized
On a regular basis I have clients coming to Miami, Florida office telling me that they have attempted to modify their home mortgage but they have been rejected. Some of these clients have been sending the bank documents for numerous years and the banks continue to... by Ofer Shmucher | Sep 8, 2015 | Uncategorized
I often get clients who have cars and car payments they can no longer afford. They ask me how bankruptcy can assist them with their car payments. Typically under a Chapter 7 (Miami or Fort Lauderdale Case) a debtor doesn’t have many options regarding their... by Ofer Shmucher | Aug 17, 2015 | Uncategorized
When you file for bankruptcy in Florida you must list all your assets and then use state or federal laws called exemptions to protect those assets. Typical exemptions are as follows: 1. $1,000.00 for anything you want 2. $1,000.00 for a vehicle 3. Unlimited homestead.... 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...
