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Chapter 7 Bankruptcy Archives

Stop repossessions, achieve debt relief with bankruptcy

Being faced with losing your car or other important asset because you cannot pay your bills is an understandably troubling situation. While repossession is a common tactic that Florida creditors resort to when faced with nonpayment, you have the power to stop these attempts. By filing for bankruptcy, you can both stop repossessions and set yourself on a path toward debt relief. 

Small medical debts can be relieved through Chapter 7 bankruptcy

Sudden financial disasters certainly contribute to some people's money issues, but this is not always the case. Many Florida residents struggle with the slow accumulation of small bills that eventually snowballs into something much larger and more difficult to handle. For those considering Chapter 7 bankruptcy, it might have been a relatively small medical bill that pushed them in that direction. 

Aging Americans in desperate need of debt relief

Older Americans are currently filing for bankruptcy at astonishing rates. This generation's need for debt relief can be boiled down to a several contributing factors, including higher retirement and health care costs. However, waiting to file for bankruptcy is usually not a good idea, and for some older Florida residents, the process might not be quite as effective as it is for their younger counterparts. 

Low-income patients in desperate need of debt relief

Seeking medical care treatment can be frightening not just because of the potential for further illness or injury, but because of the high cost of care. Federal law requires nonprofit hospitals in Florida to provide indigent care, which provides reduced or even free medical care for patients who otherwise cannot afford treatment. However, some patients who are told they qualify for indigent care soon find out that they still owe exorbitant fees, which leads some to seek debt relief through bankruptcy. 

Millennials may be in need of medical debt relief

There is no getting around it -- the cost of health care is astronomical. Medical costs are completely out of reach for the average Florida resident, and not just for catastrophic events. Generic costs associated with seeking care for minor illnesses and injuries is enough to push people into debt, and one group of people seems to be affected more than others -- millennials. This could potentially lead to more young adults seeking debt relief through bankruptcy.

New rules will affect how student loan borrowers seek debt relief

Most borrowers know that they cannot discharge their student loans during bankruptcy. While this is generally true, relief through a federal program is an option for some people in Florida. Unfortunately, the guidelines for this program are currently under review, and projected changes could impact how some borrowers seek debt relief in the future. 

Chapter 7 bankruptcy could provide the much-needed relief

Many Florida consumers quietly deal with an unwanted burden -- overwhelming debt. This can make every aspect of life more difficult, and it often weighs heavily on people's mental health. However, for many people, Chapter 7 bankruptcy can be a smart, financially safe option.

How to stop creditors and get debt relief?

For as long as there has been debt, debt collectors have existed. Many of these collectors use tactics that fall somewhere in the gray area outside of legal, although the law is perhaps a bit unclear on the matter. Coupled with the fact that debt collection fraud is rampant, many Florida consumers are unsure of where to turn for creditor and debt relief.

As Americans repay bills, debt relief still necessary for some

Paying back debt can be difficult, both financially and emotionally, but many Americans seem to be doing a good job of it. There are several factors that contribute to consumers' increased ability to repay their debts, including better job prospects and a thriving economy. However, this does not mean that all Florida consumers are doing so well, and many are still in need of other forms of debt relief.

You can keep important property during Chapter 7 bankruptcy

For those in dire financial straits, bankruptcy is usually the best option for debt relief. Chapter 7 bankruptcy is a popular choice for many people in Florida, as, unlike Chapter 13, it does not require a repayment plan before debts are discharged. However, many debtors worry that they will have to give up every last asset they own in order to take advantage of this process. 

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Paul Urich
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