by Ofer Shmucher | Jul 6, 2011 | Ask the Bankruptcy Attorney, Bankruptcy Process, Florida Law, Uncategorized
Sometimes clients of mine try other methods to eliminate their debts, including debt consolidation. In a debt consolidation plan all of the debtor’s debts are lumped together and the debtor is only required to make one monthly payment in order to pay it down. ... by Ofer Shmucher | Jun 19, 2011 | Ask the Bankruptcy Attorney, Bankruptcy Process, Florida Law, Uncategorized
Have you ever had to go to the emergency room or urgent care for an extended period of time? Most of the time when you get the bill it is extraordinarily high, hopefully you have insurance to cover your bills. However with the growing number of people who are out of... by Ofer Shmucher | Apr 30, 2011 | Client Bankruptcy Cases, Florida Law, Uncategorized
I see many clients who have attempted to stay afloat by taking out loans against their 401k retirement plans. Basically the clients have X saved in a work retirement plan and they have borrowed against it, usually to receive a lump sum payment, and then the client is... by Ofer Shmucher | Apr 16, 2011 | Ask the Bankruptcy Attorney, Florida Law, Uncategorized
If you haven’t paid your credit cards or any other debts for approximately nine months then your credit card company or whatever creditor you have will charge off your debt. What charge off means is somewhat misleading . When a creditor charges off debt they are... by Ofer Shmucher | Mar 31, 2011 | Ask the Bankruptcy Attorney, Bankruptcy Process, Client Bankruptcy Cases, Uncategorized
I often meet clients who have become trapped in a payday loan problem. They go to one of these payday loan stores, located on every corner in Florida, and can easily get some quick money. The problem is they don’t read or realize just how much money they have to pay...
