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April 2018 Archives

Florida city on list of fastest-growing credit card debt

Many Florida residents are living under a mountain of unsecured debt. That can make it hard to juggle one's debt service, living expenses and other financial obligations each month. Some are not surprised to learn that a Florida city has been listed as an area with one of the nation's fastest-growing credit card debt

Does home foreclosure create a different type of tenant?

Many economists and social scientists have examined the financial crisis that led many Americans to lose their homes in 2008 or shortly thereafter. Some believe that this home foreclosure crisis drastically altered the rental housing market in certain hard-hit areas. As many Florida families continue to struggle with making ends meet a decade later, this concept is not surprising. 

How to avoid another bankruptcy

You have just completed the bankruptcy process, and although it led to positive results and a chance to start fresh, you probably do not want to go through it again. That is why it includes mandatory credit counseling courses both before and after.

Is filng Chapter 7 or Chapter 13 bankruptcy the right choice?

Though many consumers in Florida and all around the country have recently seen some positive changes in the economy, there are families that are still struggling to make ends meet. Some may have experienced a job loss, while others may face a mountain of unpaid bills. While certainly not the first solution, some residents realize that filing for Chapter 7 or Chapter 13 bankruptcy may help them more quickly recover financially.

Don't incur credit card debt for these expenses

Consumers in Florida and all around the country routinely use their credit cards for a variety of reasons. Convenience is often a major factor in the usage of the cards, since almost every vendor accepts them as a form of payment. However, with credit card debt now exceeding $1 trillion, experts are sending some warning signals. A major credit reporting agency has developed a list of expenses that should never be charged to a credit card.

Consumers would use extra cash to pay off credit card debt

What could someone do with an unexpected, tax-free windfall of $10,000 in cash? One might expect the answer to be different across all age groups in Florida and elsewhere around the nation. However, a recent survey revealed that the most common answer for all generations was to pay down debt, particularly credit card debt.

Those looking to file Chapter 7 bankruptcy must pass a means test

Chapter 7 bankruptcy is called the liquidation chapter in Florida and elsewhere. The name is deceptive because filers generally keep their personal belongings and furnishings due to state exemptions. With respect to real estate, the state has one of the more liberal exemption laws, which allows for an unlimited homestead exemption under certain circumstances. The best way to determine whether one qualifies for the unlimited homestead exemption is to obtain a consultation with an experienced Chapter 7 bankruptcy attorney.

Cost of filing for Chapter 7 bankruptcy may be worth results

Financial concerns can make struggling Florida residents question every use of their money. Even when it comes to finding debt relief, they may wonder whether they should put funds toward a particular method. These worries are valid as some companies claiming to offer relief may only make matters worse. However, utilizing a proven method such as Chapter 7 bankruptcy may be worthwhile.

What you should know about Chapter 7 debt relief and divorce

Most Florida residents understand that changes in life often include those having to do with finances. Any number of issues can impact one's financial status but a particular instance with a potentially substantial impact is divorce. Some people mistakenly think they can accept debt in settlement, then try to discharge the debt through a Chapter 7 bankruptcy debt relief process. 

VA helps veterans in hurricane areas avoid home foreclosure

Loans from the Department of Veterans Affairs have enabled many members of the military -- both active and retired, as well as their spouses -- to obtain mortgage loans for the purchase of  homes. Unfortunately, many veterans are facing home foreclosure since they are unable to make their mortgage payments. Officials from the VA have intervened on behalf of those veterans who were affected by the 2017 hurricanes that hit Florida and other areas in the country.

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Paul Urich
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Law Office of Paul L. Urich, P.A.
1510 East Colonial Drive
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Orlando, FL 32803
Phone: 407-982-3763
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