Most Florida debtors know that financial institutions do not issue credit cards until consumers have agreed to a long list of terms. These conditions often include provisions that require any debt relief disputes to be settled through binding arbitration. Lenders prefer arbitration because it is less public, less expensive and more predictable than traditional litigation.…
Being in severe debt is unpleasant and stressful enough without creditors calling you nonstop. Creditor harassment from debt collectors not only makes the situation worse but is also illegal due to the Fair Debt Collection Practices Act. You do not have to suffer through such treatment regardless of how much money you owe and your…
Florida residents may be interested in a Chapter 13 bankruptcy case involving a creditor with a lien on a debtor’s property due to unpaid property taxes. The creditor was denied the ability to collect as part of the bankruptcy claim due to specific filing rules on filing a proof of claim for Chapter 13 cases.…
Unpaid medical bills can take a toll on your life just like the burden on many Florida residents. That’s especially true for Florida Residents without health insurance. People who have insurance are also likely to be affected by high insurance deductibles and copays. However, a startup company called Better was recently formed to help people…
Some Florida residents might believe that student loans cannot be discharged in a bankruptcy. While this is generally true, there are some exceptional circumstances in which it may be possible to get loans discharged by the government. For example, student loans may be discharged if the school closes or engages in fraudulent activity. In the…
Credit cards, adjustable-rate mortgages and home equity loans tie their interest rates to a rate set by the Federal Reserve. This rate establishes the cost of short-term loans between banks, and increases ripple out to Florida borrowers and affect their payments. The Federal Reserve has already raised this critical rate twice in 2017 by one-quarter…
Medical Bill Lawyer Since the implementation of the Affordable Care Act, a rising number of people in Florida and the rest of the nation have been using health plans that have high deductibles. This is according to a study recently conducted by the National Center for Health Statistics at the United States Centers for Disease…
Our Debt Settlement Attorney Florida Lawyers have seen first hand just how many customers of debt settlement companies are misleading about debt relief. According to the attorney general of Florida and the Federal Trade Commission, they have obtained a court order that requires 11 companies to immediately cease all of their debt settlement activities in…
Florida parents who are getting a divorce can help their children adjust during this difficult time through effective divorce communication. At the outset, they should be honest with their children who will know that something is wrong when a parent moves out. Children need reassurance that the divorce is not about them as well as…
If you have ever fallen behind on your bills, you may have firsthand knowledge of just how aggressive a debt collector can be in their collection tactics. While they are within their rights to attempt to collect any money owed to them, creditors and debt collectors may not use illegal debt collection methods considered unlawful…
