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West Palm Beach Law Blog

Can you stop a wage garnishment?

The threat of a wage garnishment can be devastating to your finances. Many debtors are not aware that they have rights when it comes to wage garnishment and do not know what to do to prevent their income from seizure. Under federal law, a creditor cannot take more than 25 percent of your disposable income, but under Florida law, there are even more protections for you

Florida law on wage garnishment

3 ways Chapter 13 bankruptcy can save your home

If you are in financial turmoil and declaring Chapter 13 bankruptcy, you might be worried about what will happen to your home. The good news is that Chapter 13 bankruptcy gives you tools to delay or prevent foreclosure and modify your mortgage. Just because you are behind on your mortgage payments does not mean all hope is lost. Saving your home is possible.

With the right help, you can get back on track financially. Learn the three ways Chapter 13 bankruptcy can save your home.

How a low credit score impacts mortgage eligibility

If you are on the market for your first home, you are probably getting a crash course in personal finance and how your financial status ultimately impacts your ability to secure a loan. Among the many factors a potential mortgage broker will look at when determining whether to extend you a loan is your credit score, which gives them an idea of how likely you are to pay back money owed.

While the decision of whether to extend you a loan will depend on your credit score in combination with other key factors, there are certain minimum guidelines you must typically meet.

How to deal with a vehicle cramdown

Debt can threaten to rule your life, but many people avoid addressing the issue for fear that doing so will force them to liquidate their assets. While liquidation is one potential solution to debt, it is not necessarily required. In Chapter 13 bankruptcy, in fact, a vehicle cramdown may allow you to reduce the principle on your loan. Here are some things you should know about this option.

Understanding vehicle cramdown

How do you raise your credit score after filing for bankruptcy?

Have you decided you are tired of being smothered by your debt? Bankruptcy is a valuable option for dealing with medical bills, divorce fees, overwhelming credit card debt or costs incurred because of job loss. However, many people like you fear what bankruptcy will do to their credit. Rebuilding your credit after bankruptcy may be easier than you think if you are proactive.

Debt collection harassment techniques

People in Treasure Coast who are struggling to pay their bills on time are already stressed out about their financial situations. But when creditors resort to using deceptive tactics to collect delinquent payments, they are breaking the law. These tactics are done to intimidate and coerce people into paying their debts even when they do not have the means to do so. The Fair Debt Collection Practices Act (FDCPA) offers debtors protection from creditor harassment. People who want to put an end to creditor harassment should make themselves aware of the harassing ways used to collect payment.

Is debt consolidation or bankruptcy right for you?

Many people in Treasure Coast struggle with debt. With the car note and mortgage due every month and credit card and medical debts coming back to haunt them, it is no surprise that many people feel that they are in way over their heads financially. Bankruptcy and debt consolidation are potential opportunities that may help you to get control over your finances. However, you should take some time to understand them so you can determine if they really are appropriate for your circumstances.

Are my creditors illegally harassing me?

Anyone who has suffered from overwhelming debt knows the stress of the collection calls that never stop coming. It is important to understand that both federal and Florida state law place limitations on acceptable behavior for creditors trying to collect a debt.

Federal law

The Fair Debt Collection Practices Act (FDCPA) is a federal law that prohibits certain types of abusive behaviors by third-party debt collectors. These include calling before 8 a.m. or after 9 p.m., making threats, contacting your neighbors or family, calling your workplace, using auto-dialers or pre-recorded messages or misleading you as to their identity or the amount you owe.

Common bankruptcy myths

Many people in West Palm Beach are under the impression that bankruptcy is a cure-all for their financial woes. Although many people use it to overcome their debt so they can start over financially, it is not always the ideal solution or quick fix that many perceive it to be. Anyone who is considering bankruptcy should make themselves aware of some common misconceptions so they can avoid complications.

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