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By

Robert E. Tardif Jr.
Fort Myers Bankruptcy Lawyer
According to recently-released study from the Urban Institute, more than one-third of Americans have defaulted on a debt and are in debt collection.  That means that one in every three Americans have not timely paid at least one debt for many months and the creditor placed the account in the debt collection process – either...
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Bankruptcy Lawyer Cape Coral
If you are thinking about filing bankruptcy and looking for a local Fort Myers bankruptcy attorney the first step to choosing a bankruptcy attorney is finding a reputable and knowledgeable bankruptcy lawyer. A bankruptcy attorney with experience can guide you in the right direction and will talk about all options to resolve your financial problems. But...
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Bankruptcy Attorney Southwest Florida
Desperate times cause many people to file bankruptcy.  Before filing bankruptcy, people take actions that may impact their case and their ability to receive a discharge. It is a good idea to avoid doing the four things I lay out below. Don’t Use Up Retirement Accounts Retirement accounts such as IRAs and 401(k)s are fully...
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Child support and alimony obligations are given special treatment in a bankruptcy case. In 2005, obligations to pay child support or alimony were renamed “domestic support obligations” (DSO) in the Bankruptcy Code.  DSOs are given priority in payment and are also non-dischargeable. Child Support and Alimony Basics Section 507(a)(1) of the Bankruptcy Code give past due...
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As part of the bankruptcy process debtors must list any and all assets that they own.  Most debtors know they must list assets such as real estate and personal property such as cars and household furnishings. Most non-disclosures of assets are accidental.  Sometimes debtors actually own assets that need to be disclosed, but they just...
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Effective April 1, 2013, new dollar amounts apply to bankruptcy cases.  Several provisions of the Bankruptcy Code contain certain dollar amounts that can affect whether you can file Chapter 7 or must file Chapter 13. Other changes can affect the amount of assets you may be able to exempt (protect) from your creditors. Chapter 13...
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“Can I keep my vehicle if I file Chapter 7 bankruptcy?” I hear this question a lot. The answer depends upon the circumstances of each case. As a general rule, if you can pay for your vehicle, you can keep it. Questions To Answer About Vehicle! What is the vehicle worth? What is the lien...
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When is the last time you checked your credit reports for accuracy? The Federal Trade Commission (FTC) recently released a report reflecting its findings during a ten-year study concerning the accuracy of information in credit reports.  The results were a bit troubling for consumers. The study, which covered the three major credit-reporting agencies, found that...
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At the beginning of the year, homeowners involved in a short sale or deed in lieu transactions were given some potentially helpful tax relief.  As part of the legislation to avert the so-called “Fiscal Cliff”, Congress included an extension of the provision that allows the exclusion from gross income the amount of any  mortgage debt...
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One of the main goals to achieve in a bankruptcy case is to receive a discharge. A discharge is normally a single sheet of paper that indicates the elimination of all of your “dischargeable” debts.  The entry of your discharge relieves you from personal liability for most debts. In a Chapter 7 case the discharge...
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