Claimed Lawyer ProfileQ&A
- Foreclosure Defense
- Real Estate Law
- Free Consultation
- Credit Cards Accepted
Rates, Retainers and Additional Information
File bankruptcy with as little as $500 down.
Jurisdictions Admitted to Practice
- 11th Circuit
- Federal Circuit
- University of Florida
- J.D. (1995) | JD/MBA; Finance Undergrad
- Honors: President's Honor Roll; All Degrees with Honors
- ESADE Business School
- MBA (1995)
- Broward County Bar Association
- Bankruptcy Bar Association
- Federal Bar in the Southern District of Florida
- Florida State Bar  # 65579
- - Current
- Florida State Bar
Websites & Blogs
- File Bankruptcy Florida; Chapter 7 and Chapter 13 Bankruptcy
- Bankruptcy Attorneys
4 Questions Answered
- Q. When filing bankruptcy, do you stop making credit card payments after finalizing of branruptcy or when you file?
- A: There are pros and cons to continuing to make credit card payments leading up to a bankruptcy. On the pro side, since you are current on all cards, your credit score will likely not drop as much as it would if you go into default status on the cards for a few months. On the con side, you are paying dollars towards a debt that will likely be discharged in your bankruptcy. Assuming you would otherwise be able to retain those dollars through your bankruptcy exemptions, then you are losing money that you would otherwise be able to keep. Moreover, "preference" issues could arise by paying creditors more than their pro-rata share prior to a bankruptcy filing, which the trustee could try to avoid (i.e., reverse).
- Q. Chapter 20 bankruptcy an option?
- A: A subsequent Chapter 13 filing (hence your "Chapter 20") could allow you to pay off the unsecured debt you incurred after the time that you filed your Chapter 7 petition over as much as 60 months at 0% interest (but trustee fees). A Chapter 13 discharge will not be available to you unless filed at least four years after the filing date of your initial Chapter 7.
- Q. I elected for a motion to redeem my auto. Can i still trade in the car since I won't owe on it either way?
- A: You would be better off surrendering your vehicle. By trading in your car, you will be inheriting the remaining secured debt on the loan in the new loan you take out on the new car.
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