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Robert E. Tardif Jr.
For individuals seeking bankruptcy protection, a common question that often comes up involves credit scores and how much they will be impacted due to a Chapter 7 or Chapter 13 filing. While we have already addressed this important topic in the past, it is very important to understand how the 3 major credit bureaus (Experian,...
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Foreclosures in Florida occur when a property owner is delinquent on his or her mortgage payments. A foreclosure case is a judicial proceeding that allows the lender to get legal title and possession of the property so that it may thereafter sell it to recoup as much of its money as possible. Unlike some states,...
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As the term implies, debt consolidation is the process of combining all of one’s debts into one consolidated payment. A debt consolidation company or credit counseling agency will try to  negotiate reduced rates with all creditors, then collect payments from the debtor and distribute the money  to creditors. On the other hand, a Chapter 7...
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A debt validation letter is a letter drafted by a debtor (or debtor’s representative) requesting that a collection agency prove that the debt they are attempting to collect is legitimate, accurate, and valid. Furthermore, it establishes that the collector has a legal right to collect that debt. Upon receiving a debt validation letter, a collection...
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Some years ago, filing bankruptcy had a certain social stigma attached to it and individuals seeking Chapter 7 relief were perceived to be “irresponsible” or “bad people.” This couldn’t be further from the truth then, and it couldn’t be further from the truth now. In fact, it’s estimated that approximately  70% of individuals seeking Chapter...
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One of the most common questions asked by those considering a bankruptcy is how much their credit score will drop after their bankruptcy is filed and their debt is  discharged. While there is no clear-cut answer to this question, the Fair Isaac Corporation (FICO) has given us some hints by disclosing approximately how much an...
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Since the passage of the Bankruptcy Abuse Prevention and Consumer Protection Act in 2005, individuals seeking to file Chapter 7 bankruptcy have had a few extra challenges in seeking a discharge of their debts. Most notably, a “means test” has been implemented, which requires those seeking Chapter 7 bankruptcy relief to first test to see...
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On April 20, 2005, President Bush signed the Bankruptcy Abuse Prevention and Consumer Protection Act into law.  One of the objectives of the law was to require more individuals to file Chapter 13 bankruptcy to pay money back to creditors. There have always been misconceptions about the differences between a Chapter 7 and Chapter 13...
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If you have been served with a lawsuit because of your credit card debt in Florida, you are not alone. Due to the increase in credit card debt defaults over the last four or five years, many credit card companies and debt collectors are turning to the court system in an attempt to collect their...
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Welcome to BankruptcyBodyguard.com and the Law Office of Robert E. Tardif Jr, P.A. Mr. Tardif is a bankruptcy attorney  that focuses on Chapter 7 and Chapter 13 bankruptcies for residents of Southwest Florida, which includes Fort Myers, Cape Coral, Bonita Springs, North Fort Myers, Sanibel, Naples, Port Charlotte, Punta Gorda, and surrounding areas. With more...
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