Bankruptcy Law

Bankruptcy Law, Timothy Kingcade Posts

Bankruptcy is an Option to Consider for Some Retirees

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Many retirees might not consider bankruptcy as a viable option to help their financial situation. However, if you are struggling financially, bankruptcy may be the best way to protect your retirement assets from creditors. Today, more seniors are considering bankruptcy as an option in retirement.

A Chapter 7 bankruptcy requires at least $10,000 of outstanding unsecured debt (such as credit cards, taxes, medical bills, and court ordered money judgments) in order to file.  Filing for bankruptcy can significantly help you get rid of unwanted debt in your golden years. For retirees with a second mortgage, they may want to consider a Chapter 13 bankruptcy. In a recent U.S. Supreme court ruling, it was decided that filing for a Chapter 7 bankruptcy will not allow homeowners to cancel a second mortgage if their homes are not worth the value of their first mortgage.

Retirees would likely be able to qualify for bankruptcy, regardless of their retirement savings, because filings are based on a six-month average of income. Even if you receive more income from Social Security, a Chapter 7 bankruptcy would consider it protected. Other protected assets include 401(k) plans, IRAs, and public retirement pensions. While a bankruptcy filing will remain on your credit report for 10 years, the benefits of filing for bankruptcy often outweigh the cost.

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.thestreet.com/story/13177003/1/why-some-retired-people-might-consider-filing-for-bankruptcy.html
http://www.wsj.com/article_email/supreme-court-underwater-homeowners-cant-void-second-mortgages-in-bankruptcy-1433173699-lMyQjAxMTA1MDA0MTIwMjEyWj

Bankruptcy Law, Debt Relief, Student Loans, Timothy Kingcade Posts

Bankruptcy’s “Undue Hardship” Requirement Increasingly Difficult for Students to Meet

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For many consumers, student loan debt has become a major financial burden. When it becomes too difficult to afford basic living expenses, some turn to bankruptcy as an option. However, if you do not meet the undue hardship requirements, your student loan debt cannot be discharged.

This is exactly what happened to a 45-year-old Maryland woman who was struggling with growing student loan debt. Despite being unemployed, disabled and living far below the poverty line, the court did not allow her to discharge over $37,000 in student loan debt. The reason behind why the judge declined the request was because she had not made any good-faith attempts to repay her loans.

If you have student loan debt that you would like discharged in bankruptcy, an “undue hardship” test is required by the bankruptcy code. This is where you must be able to prove that repaying your student loans would cause “undue hardship” on your life. Unlike credit card debt, the only way to remove student loan debt when filing for bankruptcy is through the undue hardship test. Since the test is not regulated by any law, the courts must determine the severity of the debtor’s circumstances to qualify them for relief.

A three-pronged test can be used to decide whether paying back a student loan would be too difficult for you. The following three items must be proven in order to qualify:

• You must prove that you are unable to maintain a minimal standard of living, while repaying the debt;
• You must prove that your current destitute circumstances will last for a long time;
• You must show that you have made “good-faith efforts” to repay your loan in the past.

Should you fail to adequately prove these three items, you could be denied the option of discharging your student loan debt in bankruptcy. If this occurs, you may also seek help from a federal loan-consolidation program. While a consolidation program would not completely discharge your student loan debt, it could offer a repayment plan that might be more manageable for you.

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.bloomberg.com/news/articles/2015-06-22/courts-rule-that-disabled-woman-living-below-the-poverty-line-must-repay-student-loans

Bankruptcy Law, Timothy Kingcade Posts

Is Bankruptcy An Option for Those With Good Credit but Mounting Hospital Bills?

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Several factors come into play when deciding whether or not you should file for bankruptcy because of looming medical bills. If you have good credit, you may want to handle the issue outside of bankruptcy. It is true that filing for bankruptcy will affect your credit, but making late payments or missing them altogether would be more harmful to your credit. Also, there is the possibility of your medical provider suing you, followed by wage garnishment. If you are unsure of how to handle medical bills with good credit, now is the time to review all of your options before it is too late.

Bankruptcy Options

If your medical provider is unable to work with you regarding your medical bills, creditors will likely pursue you for payment, and their collection actions will begin to appear on your credit. If the provider sues you and receives a judgment, they could garnish your wages, which can put even more financial stress on you. By filing for bankruptcy, you can stop further collection attempts and prevent wage garnishment from happening.

For those who do not earn a lot of money and have assets with little or no equity, filing for Chapter 7 bankruptcy may be the best option. Not only will this cease collection attempts, it can result in your medical debt being wiped away completely.  Many consumers believe that they should only file for bankruptcy if they have bad credit. This is not true. Many debtors file Chapter 7 on a single, but substantial debt. Medical debt is an unsecured debt and can be easily discharged in a Chapter 7 bankruptcy.

Non-bankruptcy Options

You may try to negotiate a settlement with your medical provider directly. If all insurance payments have been made, and your bill was for uninsured medical costs, the medical provider may waive a part of your bill. If you qualify for the Hospital Care Assurance Program (HCAP), you may be able to receive free or reduced hospital care, based on your income. Your hospital’s financial aid counselor can help you with this option. Under the Affordable Care Act (ACA), non-profit hospitals must provide free or low-cost coverage for low-income individuals.

Those who have experienced illness or injury and found themselves overwhelmed with medical debt should contact an experienced Miami bankruptcy attorney. In bankruptcy, medical bills are considered general unsecured debts just like credit cards. This means that medical bills do not receive priority treatment and can easily be discharged in bankruptcy. Bankruptcy laws were created to help people resolve overwhelming debt and gain a fresh financial start. Bankruptcy attorney 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/i-great-credit-huge-medical-bill-should-i-file-bankruptcy.html

Bankruptcy Law, Timothy Kingcade Posts

Florida Music Producer Files for Chapter 7 Bankruptcy as His $70 Million Fortune Dwindles

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Music Producer Scott Storch recently filed for bankruptcy in Florida, after allowing his once $70 million fortune to dwindle down to just $3,600 in assets. The hip hop prodigy had once been highly successful, producing popular hits for Snoop Dogg, Justin Timberlake, Christina Aguilera, and Beyonce. At 41 years old, Storch has managed to land himself $4.4 million in debt, according to the Daily News.

Exotic cars, prime real estate, jets, and lavish jewelry were among the items Storch spent his millions on, prior to his bankruptcy. Now, Storch has only $100 in cash, $500 in clothing and a $3,000 watch to his name. The court filing reveals that Storch valued his corporations, Tuff Jew Productions and Storch Music at $0. This comes as a shock, for a millionaire who once held night-long parties at his exclusive Palm Island 10-bedroom mansion in Miami and owned a luxury 117-foot yacht.

This is not the first time Storch has suffered financial woes due to his extravagant lifestyle. In 2009, he was reported to have blown an estimated $30 million in just three years. That same year, he filed for Chapter 13 bankruptcy and his $10 million waterfront mansion was foreclosed on.

In an interview with MTV, Storch acknowledged that his poor decisions had caused him to become poor financially. He also referred to his lavish expenditures as, “ego investments,” which have now forced the producer to change his entire lifestyle.

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.nydailynews.com/entertainment/gossip/scott-storch-files-bankruptcy-100-cash-report-article-1.2269224
http://www.huffingtonpost.com/2015/06/25/scott-storch-bankruptcy_n_7661638.html

Bankruptcy Law, Student Loans

How to Deal with a Student Loan Wage Garnishment

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Imagine you have received a warning letter, stating that your student loans are in default and you may face garnishment of your wages. Or maybe your employer has already garnished your wages. If this has happened to you, it is important to examine your options carefully.

Certain reasons may allow you to challenge a student loan wage garnishment based on your income, employment status, the procedures that are followed when starting the garnishment, and other details. The sooner you address a student loan wage garnishment, the more likely you may be successful in reducing or stopping the garnishment.

First, you will want to find out why your employer is garnishing your wages. This cannot occur unless you are in default of your student loans. Defaulting on your student loans means you have not made a payment for more than 270 days. Loans may vary, so it is a good idea to review the promissory note you signed when you took out your loan.

Your loan servicer is required to give you 30-day’s notice, with a “Notice of Intent to Garnish” before garnishing your wages. The following information should be included in the notice. You have the right to:

• Request and inspect copies of your student loan records;
• Request a hearing to present evidence that the garnishment should not be allowed;
• Enter into a repayment plan with the loan servicer.

Requesting a Hearing

If you are in default, your employer can begin the garnishment process with your loan servicer. The loan servicer contacts your employer to determine your earnings and based upon the information provided, the servicer calculates the amount that can be legally garnished from your wages. The amount is typically 15% of your disposable earnings.

You may request a Hearing to Challenge a Student Loan Wage Garnishment because of the following reasons:

• You have filed for bankruptcy;
• You are already on a repayment plan;
• You qualify for forgiveness, cancellation, or discharge of your loan;
• You were involuntarily terminated from your last job of less than 12 months;
• You have already repaid your loan, the loan was forgiven, or you no longer owe funds.

Stopping a Wage Garnishment

If your income is very low, you may be exempt from garnishment. Also, if your employer is taking too much out of your paycheck, contact your loan servicer and request a correction. Another way to avoid wage garnishment is to place the debt into a new Direct Consolidation Loan with the U.S. Department of Education. This will allow you to enter an income based repayment plan, with your monthly payment based on your income or available budget. This will allow your new loan to be reported as current.

You may also stop wage garnishments with voluntary payments. Voluntary payments offer many advantages over garnishment, such as improving your credit rating or reinstating eligibility for federal student loans in the future. You may also opt for a reasonable repayment plan with the Department of Education. Payments may be as low as $5 and if you commit to the required five required payments, the wage garnishment will stop. Once the loan is rehabilitated you can return to a good status with the Department of Education.

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.nolo.com/legal-encyclopedia/challenging-student-loan-wage-garnishment.html

Bankruptcy Law, Credit, Debt Relief, Student Loans, Timothy Kingcade Posts

Private Student Loans May Prove Too Risky for Students

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When we think of student loans, we often think of federal loans offered by the government. However, private student loans are another type of loan that students should be wary of. Private loans, which have been termed as the “Wild West” of student borrowing, represent a potentially dangerous trap for consumers. These make up a significant yet often overlooked part of the nation’s $1.2 trillion of student loan debt. Approximately $150 billion of U.S. student debt comes in the form of private loans, which can be issued by banks and directly from schools.

According to a recent investigation by the Miami Herald, many students attending for-profit colleges claimed to have been lied to and lured into enrolling in their school’s loan program. Interestingly, many for-profit colleges were reported to have extremely high private loan default rates. Recently, the U.S. Secretary of Education unveiled the outline for a massive student loan forgiveness plan. The option will focus on the long-overlooked provision of federal law that allows borrowers to seek a clean slate if their school is guilty of misconduct.

According to financial aid experts, private loans should be utilized only as a last resort. Unlike federal student loans, private student loans:

  • Often demand their own separate monthly payments;
  • Have far less flexible repayment options;
  • Have extremely high interest rates;
  • Are NOT eligible for loan forgiveness programs;
  • Will NOT not be included in the newly introduced option, which allows relief from student loan debt if a student is defrauded by their college.

A predatory-lending lawsuit has been filed by the federal Consumer Financial Protection Bureau (CFPB), against ITT Technical Institute. Some of their private loans had interest rates as high as 16.25 percent, with an origination fee as high as 10 percent. While the college disputes the CFPB’s allegations of fraud, the U.S Securities and Exchange Commission sued ITT’s top executives last month. Allegedly, ITT tried to hide its high rate of private loan defaults from auditors and investors.

The American Student Financial Group (ASFG), which has helped administer Dade Medical College’s private loans, is also facing a lawsuit. Dade Medical College of Coral Gables had more than 2/3 of their students with private loans in default. One student was instructed to drop her monthly payments at the campus, only to later receive a “delinquent” letter from ASFG, stating that she was more than six months behind on her payments.

Students taking out private loans often do not realize that these are far riskier than federal loans. A report by the Consumer Financial Protection Bureau found that many borrowers who took out private loans had not maxed out on federal loans, which should always come first before private loans are even considered. Even though for-profit school default rates are nearly twice as high at non-profit schools, students still take out private loans. Some for-profit students complained that they were even pressured into taking out private loans they did not want.

Many colleges have convinced students to accept a “forbearance,” where the student temporarily postpones any payments, the past due balance is added to the loan principal, and the account is made current. Unfortunately, forbearance is a short-term solution that does not solve the larger issue of students who cannot afford to pay back their loans. It also increases the student’s total amount of debt because of accruing interest.

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.miamiherald.com/news/local/education/article25678696.html

 

Bankruptcy Law, Timothy Kingcade Posts

Medical Debt Collector Held Accountable for Handling Disputes Improperly

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Expensive and unexpected medical bills combined with relentless debt collectors often leads to unfair collection practices. According to the Consumer Financial Protection Bureau (CFPB), improper practices were employed by Syndicated Office Systems, LLC – also doing business as Central Financial Control. They apparently affected the credit scores of thousands of individuals and caused consumers distress and confusion through a series of improper collection practices.

Syndicated Office Systems, who primarily collects medical debt on behalf of hospitals, doctors, and other healthcare providers, must pay $5.4 million in relief to consumers for allegedly mishandling credit reporting disputes and preventing individuals from exercising their debt collection rights.

The company had initially made collection efforts through letters and telephone calls to consumers, the CFPB’s complaint states. Within five days of their initial communication, debt collectors are generally required to send debt validation notices to notify consumers of their right to request proof that a debt is valid or dispute the debt, under the Fair Credit Reporting Act. The complaint also stated that they failed to provide consumers with a “debt validation notice” within five days of its initial communication with the consumer, in connection with the collection of a debt.

According to CFPB, the company failed to respond within 30 days to consumer disputes about the inflation furnished to consumer reporting agencies. The investigation revealed that Syndicated Office Systems had not sent these validation notices to nearly 10,000 consumers. Despite this, the company had collected over $2 million from consumers.

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://consumerist.com/2015/06/18/medical-debt-collector-must-pay-consumers-5-4m-for-improperly-handling-disputes
http://www.consumeraffairs.com/news/medical-debt-collector-hit-with-hefty-penalty-061915.html

Bankruptcy Law, Credit, Timothy Kingcade Posts

Four Habits that Contribute to a Poor Credit Score

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For consumers with less than average or poor credit, it is often difficult to obtain the necessities that can give us a comfortable living. For those with bad credit, it may be difficult to see what you might be doing wrong. Researchers have discovered that there are certain habits that consumers with lower credit scores tend to practice.

Below are some habits you should stop immediately:

1. Making Late Payments.

Payment history is one of the most important factors when determining one’s credit score. Late payments or missing payments will generate a severely negative impact on your credit score. Most lenders utilize the FICO credit score when they are assessing your risk as a potential borrower.

If you regularly fail to make payments on time, this can have a bad effect on your credit score; lowering it substantially. This can also stop you from being approved for certain lines of credit like an auto loan, mortgage loan, personal loan, or credit cards. Making payments on time is crucial to improving your credit. Missing even one payment can spiral out of control quickly, as late fees and interest charges accumulate. It can take up to seven years to remove defaults or delinquent payments (30 days or more past due) on your credit report.

2. Maxing out Your Card.

You should never max your your card. If you use credit to pay for things you are unable to afford, this is a bad habit that will ruin your credit score. Lenders will view you as a consumer with financial struggles and they will most likely decline your application for further credit.

This will also negatively affect your credit utilization ratio. Consumers with poor credit typically use more than 30% of their available credit, which is a bad habit to take on. By maxing out your credit cards, the utilization teeters near 100%, which will have a significantly negative impact on your credit score.

3. Applying for too much Credit.

Many consumers make the common mistake of applying for multiple lines of credit or credit cards. Each time you apply for a line of credit, a hard inquiry will reflect in your credit report. A hard credit inquiry is a negative mark against your credit, and it remains on your credit report for up to two years.

Credit inquiries do not carry a detrimental impact on credit scores, but applying for multiple credit cards or loans will notify lenders that you may have financial trouble. Before you apply for a new line of credit, first research your chances of being approved.

4. Not Utilizing Your Credit.

Having no credit is truly seen as worse than having bad credit. One cannot improve their credit if they do not have it. This may seem hard to believe but you are far less likely to obtain a lender if you have no credit to show for. The upside is that there are credit cards available to those with all credit types—even with no credit. They may require a deposit to get started but this will help you build the credit you need for the future.

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.huffingtonpost.com/comparecards/4-habits-of-consumers-wit_b_7613690.html

Bankruptcy Law, Credit, Timothy Kingcade Posts

Items you Should Avoid Buying with Your Credit Card

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For many consumers, credit cards are seen as tools that will only harm their credit. Oftentimes we forget that credit cards can be very beneficial and rewarding, when used correctly. By following some simple and valuable tips, you can successfully build your credit while conveniently improving your score. Below, we will look at some smarter ways to use our credit cards. This begins with recognizing certain items that you should NEVER purchase with your credit card.

Large Purchases

Having a credit card with a high credit limit does not mean you should exhaust that limit quickly. One of the biggest mistakes you can make is putting an extremely large purchase on your credit card. As you pay back this amount, you will also be paying an exorbitant amount of interest along with it.

If you miss a payment, you are subject to harsh penalties and this can put you further in debt, thus ruining your credit. This is known as the “Snowball Effect.” Instead, make small, semi-regular purchases and be sure to pay off the entire balance each month. This activity will reflect very positively on your credit score.

Hospital Bills

Never pay your medical bills with your credit card. Medical bills are expensive and paying them with your credit card will only add unnecessary interest fees to your bills. Credit card interest rates may range anywhere from 10% to 30%.

Instead, speak to the medical billing or collections department and ask about your options. Many hospitals and medical facilities can offer you a payment plan directly with them, which will often have much lower interest rates. Sometimes, dependent on your financial situation, you may even be eligible for a “write-off” where the bill is cleared and you may not need to pay it at all.

Student Expenses

Student debt is another expensive bill that should never be put on your credit card. Much like medical bills, student loan interest rates are significantly lower than the average credit card interest rate. Using credit cards to repay these expenses will only prolong the process and add extra interest fees to your balance. Some lenders also charge a “processing” or convenience fee to those paying with credit cards.

Instead, set money aside that you can use expressly toward your student loans. You could set up a bank account for monthly student loan deductions. There is also the option of an income-based repayment (IBR) plan, where if you qualify, your student loan payments will be recalculated based on your income and family size. If you are facing financial hardship, are enrolled in further schooling or the military, you may be eligible for deferment or forbearance. You can also find out if loan forgiveness is an option for you as well.

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://time.com/money/3929085/credit-card-hospital-bills-student-loans-online-shopping/?xid=gonewsedit

Bankruptcy Law, Credit, Debt Relief, Timothy Kingcade Posts

Timothy S. Kingcade Featured in Attorney at Law Magazine!

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Miami bankruptcy attorney Timothy S. Kingcade is featured on the homepage of Attorney at Law Magazine (Miami edition) this week for being recognized as a Florida Super Lawyer 2015 in the area of consumer bankruptcy law. Super Lawyers represents the top 5% of Florida lawyers who have attained a high degree of peer recognition and professional achievement.

Read all about it at http://www.attorneyatlawmagazine.com/miami/miami-bankruptcy-attorney-timothy-s-kingcade-named-2015-florida-super-lawyers-list/!

Super Lawyers is a listing of outstanding lawyers from more than 70 practice areas who have attained a high degree of peer recognition and professional achievement. The annual selections are made using a patented multiphase process that includes a statewide survey of lawyers, an independent research evaluation of candidates and peer reviews by practice area. The result is a credible, comprehensive and diverse listing of exceptional attorneys, representing the top five percent of attorneys in each state.

Timothy S. Kingcade founded the law firm of Kingcade & Garcia, P.A., in 1996. Today, he and his firm handle more than one thousand bankruptcy filings each year. As Managing Shareholder of Kingcade & Garcia, P.A., Timothy and his firm represent clients throughout the State of Florida in Chapter 7 bankruptcy, foreclosure defense and personal injury claims. To compliment Attorney Kingcade’s extensive legal experience, he is also a certified public accountant (CPA), which provides him with a unique understanding of how to handle tax-motivated bankruptcy cases against the IRS.

For more information, visit http://www.miamibankruptcy.com.