Rising Bankruptcy Rates in America

September 3, 2015 Posted by kingcade

Hundreds of thousands of Americans file for bankruptcy every year.  Although a bankruptcy can remain on your credit report for up to 10 years, there are times when taking this route is the most efficient and effective way to get out from under insurmountable debt and gain a fresh financial start.

Last year, 898,970 non-business bankruptcy filings were made in the U.S. This was the equivalent to a rate of 2.8 people in bankruptcy per 1,000 people. According to data from the Administrative Office of the U.S. Courts, Tennessee had the highest bankruptcy rate with 5.89 people per 1,000.

Filing for bankruptcy is not a decision to be made lightly. Before you file, it is important to explore all of your options.   Experts warn not to wait too long because this will only prolong your financial struggle.

Below are some tell-tale signs that indicate bankruptcy may be the best choice for you:

  • Your debt balances grow, despite making payments;
  • You are using retirement or savings to cover your debt payments;
  • You are struggling with an underwater mortgage;
  • Family members or loved ones are at risk if you do not address your debt.

Upon deciding to file, you will soon realize the many ways bankruptcy can help you. Depending on the type of bankruptcy you file, you may be able to discharge most or all of your debt, or arrange for a manageable re-payment plan. After filing for bankruptcy, consumers should begin practicing positive credit habits and focus on rebuilding their credit slowly.

If you are in a financial crisis and are considering filing bankruptcy, contact an experienced Miami bankruptcy attorney who can advise you of all of your options. As an experienced CPA as well as a proven bankruptcy lawyer, Timothy Kingcade knows how to help clients take full advantage of the bankruptcy laws to protect their assets and get successful results. Since 1996 Kingcade & Garcia, P.A. has been helping people from all walks of life build a better tomorrow. Our attorneys’ help thousands of people every year take advantage of their rights under bankruptcy protection to restart, rebuild and recover. The day you hire our firm, we will contact your creditors to stop the harassment. You can also find useful consumer information on the Kingcade & Garcia website at www.miamibankruptcy.com.

Source:

http://www.msn.com/en-us/money/credit/the-states-with-the-highest-bankruptcy-rates/ss-BBjewMi#image=1

 

Issues with Today’s Student Loan Reform

September 2, 2015 Posted by kingcade

Student loan debt in America has been a topic of concern for years and now it appears to have spiraled out of control. The government’s Department of Education is one of the largest money lenders in the country, with a $1.2 trillion portfolio of student debt. This figure rivals the entire loan business of mega-lender, JP Morgan Chase.

With so many Americans taking out student loans to help pay for college and graduate school, some are concerned as to how these loans are being handled. Contractors hired by the government have often mishandled payments or provided incorrect information, causing students to miss out on repayment programs that could have saved them money or protected them from defaulting on their loans

In 2015 alone, over 30,000 borrowers complained to the Consumer Financial Protection Bureau about servicers losing paperwork, giving inconsistent information or neglecting to advise them about their repayment options. A Georgia woman contacted her lender to ask about the Public Service Loan Forgiveness program, since she worked as a full-time professor at Kennesaw State University. She was told that she qualified for the program, yet for months her lender neglected to advise her of additional steps she needed to take in order to receive the aid.

President Obama plans to vastly improve America’s student loan system by allowing the government to lend directly to students, instead of issuing loans through the banks. In 2010, Obama declared that $60 billion was saved by ending the bank-based lending program. The president then channeled over half of these funds into Pell Grants for underprivileged students to attend college.

Americans are also concerned about whether the federal government is making money off student loans. While student loans offer lower interest rates than the typical bank loan, many feel that it is still a money-making business. Some federal loans have interest rates as high as 7% in addition to origination fees.  Borrower requirements for obtaining a federal loan are very lenient and applicants may receive up to the full cost of tuition, provided they have not recently defaulted on a loan, declared bankruptcy or have any other severe marks on their credit report within the last two years.

Earlier this year, Obama signed the Student Aid Bill of Rights, which outlined ways to improve the servicing of student loans. The department must create a new website that allows borrowers to file complaints and provide feedback about federal student lenders, servicers and collection agencies. It also must establish a central point of access for those who are repaying their federal student loans, so they may view their accounts and track their payments.

For borrowers who are struggling with student loan debt, relief options are available. Many student loan borrowers are unaware that they have rights and repayment options available to them, such as postponement of loan payments, reduction of payments or even a complete discharge of the debt. It is important you contact an experienced Miami bankruptcy attorney who can advise you of all of your options. As an experienced CPA as well as a proven bankruptcy lawyer, Timothy Kingcade knows how to help clients take full advantage of the bankruptcy laws to protect their assets and get successful results. Since 1996 Kingcade & Garcia, P.A. has been helping people from all walks of life build a better tomorrow. Our attorneys’ help thousands of people every year take advantage of their rights under bankruptcy protection to restart, rebuild and recover. The day you hire our firm, we will contact your creditors to stop the harassment. You can also find useful consumer information on the Kingcade & Garcia website at www.miamibankruptcy.com.

Source:

http://www.washingtonpost.com/business/economy/how-the-education-department-turned-into-a-massive-bank/2015/08/23/7618f2fa-1442-11e5-9ddc-e3353542100c_story.html

Dept. of Education Takes Action Against Student Debt Relief Scams

September 1, 2015 Posted by kingcade

Debt relief scams are nothing new, but now borrowers struggling to pay back their student loans are being targeted. Those with student loan debt should be especially wary of offers that sound too good to be true.

A recent video published on YouTube by the Department of Education, discusses the risks associated with these scams and warns borrowers about these so-called debt-relief companies.

These student loan debt relief scams target borrowers with mailings, search engine ads- even social media ads that appear to be affiliated with the Department of Education. Through deceptive marketing practices, these companies claim to offer borrowers the opportunity to get them out of default, consolidate their loans and lower their monthly payments for a fee.  It is important that borrowers know, these same services are offered by the Department of Education — for free.

In the video, Secretary of Education, Arne Duncan explains, “Many of these debt relief companies are charging exorbitant fees for these services. Please remember if they’re saying they can cancel your loans or reduce your loans but only for a cost, that is never the case. You can always work directly with us and that should always be free.”

Millions of student loan borrowers are in default and struggling to stay current on their payments. These individuals are especially vulnerable. Members of the Financial Protection Bureau have argued that servicers who manage repayment for federal student loans, have allowed these debt relief scam companies leverage because borrowers are uninformed about the free government programs that make payments more manageable.

According to a report earlier this year by MarketWatch, desperate borrowers are lured into signing up for these debt-relief scams despite the exorbitant fees. In an effort to prevent borrowers from signing up with these companies, Department officials are publicizing Duncan’s video on Twitter, Facebook and YouTube. The Department is also working with servicers to ensure that they are providing borrowers with enough information to make informed decisions about their loans.

For borrowers who are struggling with student loan debt, relief options are available. Many student loan borrowers are unaware that they have rights and repayment options available to them, such as postponement of loan payments, reduction of payments or even a complete discharge of the debt. It is important you contact an experienced Miami bankruptcy attorney who can advise you of all of your options. As an experienced CPA as well as a proven bankruptcy lawyer, Timothy Kingcade knows how to help clients take full advantage of the bankruptcy laws to protect their assets and get successful results. Since 1996 Kingcade & Garcia, P.A. has been helping people from all walks of life build a better tomorrow. Our attorneys’ help thousands of people every year take advantage of their rights under bankruptcy protection to restart, rebuild and recover. The day you hire our firm, we will contact your creditors to stop the harassment. You can also find useful consumer information on the Kingcade & Garcia website at www.miamibankruptcy.com.

Source:

http://www.marketwatch.com/story/dept-of-education-takes-aim-at-student-debt-relief-scams-with-new-video-2015-08-27

 

Filing for Personal Bankruptcy can Help “Reset” Your Finances

August 31, 2015 Posted by kingcade

Many consumers who have lost their homes to foreclosure are still plagued with debt.  Most hope to one day pay off their debt but still struggle to make ends meet. Trying to get back on your feet financially can be overwhelming but bankruptcy can help.

One couple decided to help their son out by purchasing a second condo for him. As condo owners themselves, they believed that they could afford the second property because of their good credit. However, it soon became difficult to keep up with the additional mortgage payments. Both husband and wife took on second jobs to cover the costs and even forfeited their real estate investments.

The financial burden became so overwhelming that it began to take a toll on their relationship and even their health. Finally, the couple declared personal bankruptcy. Many consumers in similar situations wonder if they should declare personal bankruptcy and whether or not it is the right decision for them.

There are two main types of personal bankruptcy.

Chapter 7 Bankruptcy

Chapter 7 is the most common type of individual bankruptcy. With this type of bankruptcy, your debts can be fully discharged within 4-6 months. To qualify for Chapter 7, you must pass a “means test,” which is a qualification calculation designed to determine whether or not you have the “means” to repay your creditors. A trustee is then appointed to oversee the process and make sure the proper assets are liquidated in order to repay your debts.

Chapter 13 Bankruptcy

If your income is too high to qualify for Chapter 7 bankruptcy, Chapter 13 bankruptcy may be a better option. This type of bankruptcy will create a debt repayment plan for all, or a portion of your debts. Chapter 13 bankruptcies typically take 3 to 5 years.  If your financial circumstances change during the term of the repayment plan, the bankruptcy can be dismissed or converted into a Chapter 7.

In the past, personal bankruptcy was viewed by many as a shameful last resort. However, in today’s economy personal bankruptcy filings are no longer seen as causing permanent damage to your credit. Now that consumers better understand the real benefits of filing for bankruptcy, more people have conquered their debt while getting the chance to start over.

If you qualify, filing for personal bankruptcy is an effective way to rebuild and restore hope for your financial future. The couple who filed for personal bankruptcy has since settled into a new home. For them, filing for bankruptcy helped them realize there was a light at the end of the tunnel.

If you are in a financial crisis and are considering filing bankruptcy, contact an experienced Miami bankruptcy attorney who can advise you of all of your options. As an experienced CPA as well as a proven bankruptcy lawyer, Timothy Kingcade knows how to help clients take full advantage of the bankruptcy laws to protect their assets and get successful results. Since 1996 Kingcade & Garcia, P.A. has been helping people from all walks of life build a better tomorrow. Our attorneys’ help thousands of people every year take advantage of their rights under bankruptcy protection to restart, rebuild and recover. The day you hire our firm, we will contact your creditors to stop the harassment. You can also find useful consumer information on the Kingcade & Garcia website at www.miamibankruptcy.com.

Source:

http://www.foxnews.com/leisure/2015/08/27/using-personal-bankruptcy-to-hit-reset-button-on-distressed-properties/

How to Tell the Difference between a Debt Collector and a Debt Scammer

August 27, 2015 Posted by kingcade

Debt collection calls can be unpleasant enough, but now consumers have to worry about whether or not they are being scammed by a so-called debt collector. Unfortunately, more con artists across the nation are contacting consumers, using personal information to trick them into paying debts they do not owe. Most recently, a company going by the name of ACS Incorporation Collection has been using false emails and names to try and trick people into paying debts. According to the BBB, the company currently has more than 1,200 complaints against it with the BBB of West Florida. For many, it can be difficult to tell the difference between a legitimate collection agency and a scammer.

Fortunately, there are some “red flags” that separate the phony debt collectors from the real ones.

Violent and Abusive Tactics

Debt scammers tend to use abusive tactics and extreme methods of harassment to scare consumers into providing personal information or making an immediate payment. Scammers often use blatant threats such as a lawsuit or arrest.

Lack of Credentials

Scammers will be quick to take your information, but reluctant to give you theirs. If the caller refuses to give you a physical address, mailing address or the full name of their company, beware. Legitimate collection agencies will readily provide this information up front.

Extreme Sense of Urgency

Another tell-tale sign that you are speaking to a scammer is if they demand payment “today” without exception.  While most debt collectors would rather you pay as soon as possible, scammers tend to insist that same day payment is absolutely necessary.

Limited Payment Options

If the supposed “debt collector” does not accept multiple forms of payment, you should be concerned. Legitimate collection agencies typically accept a variety of payments including over the phone, online, with a debit card or through the mail. Scammers tend to insist on one form of payment, which is often with a credit card right then and there.

Volunteering Information

A con-artist may already have your personal information via identity theft or your credit report. This will make them appear believable when they cite debts you may actually owe. Be especially cautious of a caller who hastily volunteers all of your information to you in an effort to gain trust.

Lack of Debt Verification

A real debt collector should be able to verify basic information about your debt, including the date of default, amount of principle vs. interest, account name and account number. If the caller cannot verify this and refers you to your original creditor for further information, beware. Real collection agencies would never refer you back to your original creditor.

Amateur Phone System

If you were to call the number back and an individual answered the phone immediately, this is an indicator that it may be a scammer. Legitimate collection agencies often have a complex phone system or a receptionist to route your call appropriately.

Single Point of Contact

If you speak with the same person repeatedly, there is a good chance they are working for themselves as a scammer. Legitimate debt collection agencies tend to employ many collection agents and any one of them should be able to handle your file accordingly.

If you are in a financial crisis and are considering filing bankruptcy, contact an experienced Miami bankruptcy attorney who can advise you of all of your options. As an experienced CPA as well as a proven bankruptcy lawyer, Timothy Kingcade knows how to help clients take full advantage of the bankruptcy laws to protect their assets and get successful results. Since 1996 Kingcade & Garcia, P.A. has been helping people from all walks of life build a better tomorrow. Our attorneys’ help thousands of people every year take advantage of their rights under bankruptcy protection to restart, rebuild and recover. The day you hire our firm, we will contact your creditors to stop the harassment. You can also find useful consumer information on the Kingcade & Garcia website at www.miamibankruptcy.com.

 

Source:

http://www.nolo.com/legal-encyclopedia/debt-collector-scammer-how-tell-the-difference.html

http://www.wtsp.com/story/news/local/2015/06/24/beware-of-phony-debt-collectors/29203225/

How Student Loans Impact your Credit Score

August 27, 2015 Posted by kingcade

Certain factors on a consumer’s credit report are used to calculate their credit score.  These factors include payment history, debt levels, age of credit and debt diversity. If student loans are properly maintained, they can actually have a positive impact on your credit score. For those who have yet to establish a credit history or build revolving credit, managing your student loan debt properly can assist with this.

The Credit Card Accountability Responsibility and Disclosure (CARD) Act of 2009, requires young consumers to prove their financial ability to repay debts, in order to obtain a credit card. Timely payments made on your student loans can also improve the diversity of your credit profile.

As with many other forms of credit, applying for private and certain federal student loans will result in a “hard inquiry” on your credit report. A hard inquiry and a new account may cause your credit score to drop by a few points, but only for a short amount of time.  Fortunately, student loan inquiries will be “de-duplicated” on credit reports, allowing multiple inquiries within a small period of time.

Student loans can be an excellent opportunity to strengthen payment history. Making on-time monthly payments during the student loan repayment process can vastly improve your credit score. Alternately, making any late payments or defaulting on the loan will hurt your credit score.

The principle amount owed on student loans has little impact on your credit score. The payment history is where the greatest impact is made. Make sure to take on a manageable debt load and also utilize loan repayment assistance when available. You can also keep track of how your student loans impact your credit by monitoring your credit report. Each year, you are entitled to a free credit report from each of the three major credit bureaus.

For borrowers who are struggling with student loan debt, relief options are available. Many student loan borrowers are unaware that they have rights and repayment options available to them, such as postponement of loan payments, reduction of payments or even a complete discharge of the debt. It is important you contact an experienced Miami bankruptcy attorney who can advise you of all of your options. As an experienced CPA as well as a proven bankruptcy lawyer, Timothy Kingcade knows how to help clients take full advantage of the bankruptcy laws to protect their assets and get successful results. Since 1996 Kingcade & Garcia, P.A. has been helping people from all walks of life build a better tomorrow. Our attorneys’ help thousands of people every year take advantage of their rights under bankruptcy protection to restart, rebuild and recover. The day you hire our firm, we will contact your creditors to stop the harassment. You can also find useful consumer information on the Kingcade & Garcia website at www.miamibankruptcy.com.

Source:

http://www.credit.com/credit-scores/how-student-loans-can-impact-your-credit-score/

 

Homeowner Supported by Judge in Home Surrender

August 26, 2015 Posted by kingcade

Miami U.S. Bankruptcy Judge A. Jay Cristol decided against two precedent-setting rulings, finding it unconstitutional to force homeowners to give up on their foreclosure cases after surrendering property in bankruptcy court. The ruling contradicted those made by Chief Judge Paul Hyman Jr. in the Southern District of Florida and Judge Michael Williamson in the Middle District.

In his August 12 ruling, Cristol sided with a Cutler Bay homeowner in a case against Bank of America. His decision served to complicate the already controversial “surrender” issue linking bankruptcy and foreclosure cases. In 2012, the Cutler Bay homeowner had filed for Chapter 7 bankruptcy protection and received a discharge four months later. Then, the bank reopened the bankruptcy case to force the homeowner to surrender her property and give up on the foreclosure fight.

Cristol believed it to be inequitable to stop homeowners from fighting against a foreclosure on their home after surrendering the property in bankruptcy court.  Other judges like Hyman and Williamson, have been far less understanding. Many have threatened homeowners with sanctions and penalties if they continue fighting their foreclosure after surrendering their home for bankruptcy protection.

These rulings created legal precedents that have divided bankruptcy judges by finding that “surrender” means relinquishing property to “make it available to the secured creditor by refraining from taking any overt act that impedes” foreclosure. Federal bankruptcy law indicates that debtors seeking personal bankruptcy protection must submit a statement of intention within 30 days of filing bankruptcy petitions or before the first meeting of creditors.

In the Cutler Bay case, Bank of America failed to prove that the homeowner had agreed to “surrender” her home in bankruptcy; therefore, the bank’s suit in state court to foreclose on the four-bedroom home could not be supported. According to Cristol, even if a debtor had indicated the intent to surrender their property and then fails to do so, disallowing them to fight a foreclosure action would simply be unjust.

Choosing the right attorney can make the difference between whether or not you can keep your home. A well-qualified Miami foreclosure defense attorney will not only help you keep your home, but they will be able to negotiate a loan that has payments you can afford. Miami foreclosure defense attorney Timothy Kingcade has helped many facing foreclosure alleviate their stress by letting them stay in their homes for at least another year, allowing them to re-organize their lives. If you have any questions on the topic of foreclosure please feel free to contact me at (305) 285-9100. You can also find useful consumer information on the Kingcade & Garcia website at www.miamibankruptcy.com.

Source:

http://www.dailybusinessreview.com/home/id=1202735530891?

Ways to Make Your FREE Bankruptcy Consultation Count

August 25, 2015 Posted by kingcade

For those considering bankruptcy, it is normal to have questions and concerns. Many bankruptcy attorneys offer free initial consultations, giving you the opportunity to discuss your options in greater detail.  Being fully prepared beforehand is the best way to make the most of your free bankruptcy consultation.

Below are some important tips on how to make the most of your free initial consultation with your bankruptcy attorney.

Have the proper documentation.  It is important to come to your initial consultation with the necessary documentation. For a bankruptcy consultation, you should bring the following:

  • Recent financial records (bank statements, bills, etc.)
  • Deeds for property and vehicles (lease or purchase)
  • Student loan documentation, if applicable
  • Receipts
  • Legal records

Ask questions.  Ask your bankruptcy attorney to explain the bankruptcy process to you including the costs, fees, financial solutions and timelines. It is also important to learn more about your bankruptcy attorney and how they can best help you. Ask your attorney questions pertaining to their experience in the area of bankruptcy law and their firm’s case handling procedures.  Many attorneys offer bankruptcy services as only a portion of their practice.  Find an attorney who has dedicated their legal career to this area of law.

Stay Involved. In addition to asking questions, take notes. Make sure you fully understand your options and take this opportunity to discuss these with a qualified bankruptcy attorney. Remember that your consultation is confidential, so be completely forthcoming and candid with your attorney. If you are provided with documentation, take the initiative to make sure these forms are filled out as soon as possible.

For more information on how to best prepare for your initial consultation with a bankruptcy attorney, please visit: http://timothykingcade.com/?p=4234.

If you are in a financial crisis and are considering filing bankruptcy, contact an experienced Miami bankruptcy attorney who can advise you of all of your options. As an experienced CPA as well as a proven bankruptcy lawyer, Timothy Kingcade knows how to help clients take full advantage of the bankruptcy laws to protect their assets and get successful results. Since 1996 Kingcade & Garcia, P.A. has been helping people from all walks of life build a better tomorrow. Our attorneys’ help thousands of people every year take advantage of their rights under bankruptcy protection to restart, rebuild and recover. The day you hire our firm, we will contact your creditors to stop the harassment. You can also find useful consumer information on the Kingcade & Garcia website at www.miamibankruptcy.com.

Source:

http://www.nolo.com/legal-encyclopedia/questions-ask-when-choosing-bankruptcy-attorney.html

http://bankruptcy.findlaw.com/legal-help-and-resources/checklist-documents-to-show-to-your-bankruptcy-attorney.html

After Months of Decline, Florida Foreclosures Spike

August 25, 2015 Posted by kingcade

A decline in U.S. home prices accelerated nationwide last month, according to the S&P/Case-Shiller home price index. This is the steepest drop Florida has seen in 16 years. For nearly a year, foreclosure rates in Florida have steadily decreased; however, July’s spike has changed that trend.

According to Miami CBS Local, Florida experienced a decline in foreclosures for the last 10 consecutive months. Realty Trac’s data showed that in July 2015, Florida foreclosures had increased by 16%. The report also revealed that for every 408 homes, one had a foreclosure filing. Realty Trac’s Spokesperson, Ginny Walker termed the sudden increase as a “one month anomaly.” Walker also stated that there may be more Florida foreclosures as the Supreme Court finalizes its ruling on whether the state will have a statute of limitations for foreclosures.

Florida’s southern region has the state’s third highest foreclosure rate, according to the report. This region has also shown an increase in the number of filings when compared with other areas of the state. In the tri-county area alone, 7,285 foreclosure filings are already in progress. This is a 31% increase from June and a 24% increase from July. The report also includes property repossession and notices of auction.

Florida is not alone. Nationwide, foreclosure rates have increased. Some believe this is due to the sudden increase of bank repossessions since 2013.

Choosing the right attorney can make the difference between whether or not you can keep your home. A well-qualified Miami foreclosure defense attorney will not only help you keep your home, but they will be able to negotiate a loan that has payments you can afford. Miami foreclosure defense attorney Timothy Kingcade has helped many facing foreclosure alleviate their stress by letting them stay in their homes for at least another year, allowing them to re-organize their lives. If you have any questions on the topic of foreclosure please feel free to contact me at (305) 285-9100. You can also find useful consumer information on the Kingcade & Garcia website at www.miamibankruptcy.com.

Source:

http://www.realtytoday.com/articles/29226/20150824/foreclosure-start-spike-florida-months-decline.htm

http://www.wptv.com/news/state/foreclosures-spike-in-florida-after-months-of-decline

Questions You Should Ask Your Bankruptcy Attorney

August 23, 2015 Posted by kingcade

If you are considering filing for bankruptcy, you will likely have a lot of questions for your attorney. Factors such as fees, the type of bankruptcy to file, the time frame, etc. should all be explained to you. It is important that you understand the bankruptcy process and that you ask the right questions before selecting your bankruptcy attorney.

Below is a list of important questions you should ask your bankruptcy attorney at your initial consultation:

Should I file for bankruptcy?

Bankruptcy is not for everyone.   The first question you should ask your attorney is whether bankruptcy is the best option for you.  Your attorney should thoroughly explain to you how filing will affect your current situation, as well as steps to take moving forward.

Which type of bankruptcy should I file?

If bankruptcy is indeed the best option for you, your attorney will need to determine which type of bankruptcy to file. The two most common types are Chapter 7 bankruptcy and Chapter 13 bankruptcy.  One of the biggest differences between the two is that Chapter 7 works toward discharging all or most of your debt, while Chapter 13 works toward a manageable re-payment plan. Discussing your options with your attorney will help you better understand which option is right for you.

What will it cost to file for bankruptcy?

It is important to get an estimate as to how much it will cost you to file for bankruptcy. Ask your bankruptcy attorney to provide the cost for your case as a total, including all attorney fees, court fees and additional costs which may be incurred. Many bankruptcy attorneys offer manageable repayment plans for their clients.

How long will the bankruptcy process take?

Ask your attorney what the expected time frame will be for your bankruptcy case. You should find out important information such as when your case will be filed, details of the bankruptcy process, and when you can expect to receive a complete discharge of your debts.

Are there concerns that will affect my bankruptcy case?

Full disclosure with your bankruptcy attorney is crucial to making sure your case is handled properly. If you had instances in the past that may later come up as a “red flag” during your bankruptcy case, ask your attorney about them. These instances can include the possible “gifting” of an asset to a family member, making a large purchase far beyond your means or receiving an inheritance. These can all affect your bankruptcy eligibility and should be discussed with your attorney at your initial consultation.

For more information on how to best prepare for your initial consultation with a bankruptcy attorney, please visit: http://timothykingcade.com/?p=4234.

At Kingcade & Garcia the consultation is FREE and the relief is REAL!  If you are in a financial crisis and are considering filing bankruptcy, contact an experienced Miami bankruptcy attorney who can advise you of all of your options. As an experienced CPA as well as a proven bankruptcy lawyer, Timothy Kingcade knows how to help clients take full advantage of the bankruptcy laws to protect their assets and get successful results. Since 1996 Kingcade & Garcia, P.A. has been helping people from all walks of life build a better tomorrow. Our attorneys’ help thousands of people every year take advantage of their rights under bankruptcy protection to restart, rebuild and recover. The day you hire our firm, we will contact your creditors to stop the harassment. You can also find useful consumer information on the Kingcade & Garcia website at www.miamibankruptcy.com.

Source:

http://blogs.findlaw.com/law_and_life/2014/01/5-questions-to-ask-a-bankruptcy-lawyer.html