Posts Tagged: ‘Children’

House Passes Bill to Protect Kids from Identity Theft

April 24, 2013 Posted by kingcade

Last week, the house passed a bill 116-0 that will require the nation’s three consumer-reporting agencies to allow Florida parents to open and freeze their child’s credit record. Doing so would prevent scammers from using children’s personal information or opening fraudulent accounts on their behalf. Such scams are a growing problem in Florida. Recently, a Broward County teacher was convicted of stealing children’s information from their student IDs. The bill, HB493, will protect the identity of every child in the State of Florida. Florida, particularly South Florida, is number one in the nation when it comes to identity theft.

In 2011, nearly 1,800 children’s identities were stolen in Broward, Miami-Dade and Palm Beach counties alone. Since then, the Federal Trade Commission has found that cases of identity theft have more than doubled in South Florida. There have even been cases where infants’ identities have been stolen and their families did not realize it until many years later. Scammers would steal a child’s identity and begin applying for credit cards on their behalf, according to Sen. Nancy Detert has introduced a similar bill to the Senate. If the bill is passed it will be the second bill of this nature in the nation. Maryland adopted a similar law last year. Experts say that the current policies make it extremely easy for scammers to steal children’s identities.

Click here to read more on the House Bill to Protect Kids from Identity Theft.

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

Children are the Most Innocent Victims Affected by the Housing Crisis

May 1, 2012 Posted by kingcade

A reported 2.3 million children have become victims of foreclosed homes to date. According to Julia B. Isaacs of Brookings Institutions, there are 3 million more children who are at risk of being forced out of their family homes due to foreclosure. Isaacs also reported that of those 2.3 million children, approximately one out of every ten has faced difficulties and negative effects due to the foreclosure of their family home.

In many cases, the problems arise from the relocation that follows the foreclosure. Studies prove that children who are relocated tend to have lower scores on math and reading assessment tests. Children’s relationships with their parents and family members are also negatively affected because of the financial stress. Analysts have also seen a direct correlation between relocation of children and health problems (such as doctor and emergency room visits). Children who are in areas with higher foreclosure rates also tend to have more exposure to high crime rates. Isaacs reported that the rates of affected children are the highest in Nevada, Florida, Arizona, California and Michigan.

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Choosing the right attorney can make the difference between whether or not you can keep your home. A well-qualified attorney will not only help you keep your home, but they will be able to negotiate a loan that has payments you can afford. 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, P.A. website at