Debt Relief, Student Loans, Timothy Kingcade Posts

How Student Loans Impact your Credit Score

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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/

 

Foreclosures, Timothy Kingcade Posts

Homeowner Supported by Judge in Home Surrender

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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?

Bankruptcy Law, Timothy Kingcade Posts

Ways to Make Your FREE Bankruptcy Consultation Count

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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

Foreclosures, Timothy Kingcade Posts

After Months of Decline, Florida Foreclosures Spike

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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

Bankruptcy Law, Credit, Debt Relief, Timothy Kingcade Posts

Questions You Should Ask Your Bankruptcy Attorney

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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

Bankruptcy Law, Timothy Kingcade Posts

Divorce and Bankruptcy: Which Should I File First?

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For many people, divorce is the main reason they need to file for bankruptcy. While both predicaments can be challenging, proper planning can make the process less complicated and more cost effective. If you are not sure whether to file for bankruptcy or divorce first, there are several important factors to consider beforehand.

Bankruptcy and Divorce Costs

Bankruptcy filing fees remain the same, whether you file jointly or individually.  By filing a joint bankruptcy with your spouse prior to a divorce you can save on court fees and legal costs. Filing for bankruptcy before your divorce can also simplify debt issues, property division and divorce costs. It will also allow for financial support considerations, as this can affect how your bankruptcy will proceed.

Debt Allocation

Deciding which debts should be assigned to each spouse can become complicated in a divorce. While a bankruptcy may discharge a debt it does not discharge spousal obligations. If one spouse must pay a particular debt per the divorce decree, it does not alter the other spouse’s obligations toward that creditor. It may be in both spouses’ best interest to file bankruptcy and discharge combined debts prior to a divorce. Filing for bankruptcy jointly will allow for all debts to be addressed in one case.

Property Division

Eliminating debts by filing for bankruptcy jointly will simplify the property division process in a divorce.  If you own multiple properties, it may be a better idea to file a joint bankruptcy for more exemptions. However, bankruptcy proceedings will take precedence over divorce proceedings. Filing for bankruptcy during an ongoing divorce will enact the automatic stay, which will place a hold on the property division process until the bankruptcy is complete. A qualified and experienced bankruptcy attorney can discuss these options with you.

Chapter 7 Bankruptcy vs. Chapter 13 Bankruptcy

Chapter 7 bankruptcy is a liquidation bankruptcy designed to eliminate your unsecured debts- like credit card debt and medical bills.  In a Chapter 7 bankruptcy, discharges typically take place after only a few months.  This allows the bankruptcy to be completed quickly before a divorce.

It is important to note that you must qualify for Chapter 7 bankruptcy protection, based on your income. It may be necessary to wait until each spouse has a separate household after the divorce, before filing for Chapter 7 bankruptcy.  On the other hand, Chapter 13 bankruptcy may last three to five years because a portion or all of the outstanding debts will need to be repaid through a structured repayment plan.  Those filing Chapter 13 may want to do so individually, after the divorce because of how long the Chapter 13 bankruptcy process can take.

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.

Sources:

http://www.nolo.com/legal-encyclopedia/divorce-bankruptcy-which-comes-first.html

http://www.alllaw.com/articles/nolo/bankruptcy/bankruptcy-and-divorce-which-comes-first.html

Bankruptcy Law, Timothy Kingcade Posts

Top Five Reasons People Go Bankrupt

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Over the last few decades, America has seen a significant increase in the number of consumers struggling with debt. Many Americans are turning to bankruptcy to achieve a fresh start with their finances.  Below is a list of the top five causes of bankruptcy in America today.

1. Medical Expenses.

An unexpected illness or injury can easily turn into hundreds of thousands of dollars in medical bills. Medical debt can quickly drain savings accounts, retirement or college education funds, even home equity.

According to a Harvard University study, the leading cause of bankruptcy is medical debt. It represents 62% of all personal bankruptcies. The study also showed that 78% of filers carried some form of health insurance, which debunks the myth that medical debt only burdens the uninsured.

2. Job Loss.

A layoff or job termination can cause a loss of income that can be financially devastating. For many Americans, they may experience a job loss without the cushion of savings or a severance package, which leaves little room for security.

3. Poor Use of Credit.

Credit card debt can easily spiral out of control, where even making the minimum payment becomes a challenge. Statistics show that many debt consolidation plans fail, only delaying an inevitable bankruptcy filing.  Utilizing home-equity loans or other loans to solve immediate financial problems can be risky and result in more debt and even foreclosure.

4. Divorce/ Separation.

These life changes are not only emotionally draining but also financially draining. Dividing marital assets, the loss of two incomes, paying child support, alimony, and legal fees often force many Americans into bankruptcy.

5. Unexpected Expenses.

Loss of property due to theft, an unexpected casualty, or a natural disaster can result in tremendous financial distress. Many homeowners may be unaware that additional coverage might be necessary to protect their home and valuables from natural disasters like a hurricane, flood or tornado.

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.investopedia.com/financial-edge/0310/top-5-reasons-people-go-bankrupt.aspx

Bankruptcy Law, Timothy Kingcade Posts

Celebrity Bankruptcies a Valuable Lesson for Kids

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Celebrity bankruptcies like NFL quarterback Michael Vick, hip-hop musician 50 Cent, and award-winning actor Nicolas Cage among others, have been widely reported by the news media.

Having once been one of the nation’s wealthiest hip-hop artists, 50 Cent wound up millions of dollars in debt, reducing his net worth from $150 million to $0. While this story is unfortunate, he’s not alone.  His story stands as a cautionary tale for many. Whether you are a celebrity or just the ‘average Joe,’ one rule should always be followed: Never spend beyond your means.

Bankruptcy statistics among celebrities show how quickly sudden wealth can disappear after poor financial decisions. One of the most important tips for young adults to remember is to be an active participant in the management of their money. Whether it is through a savings account or stocks, it is important to clearly understand what you are investing in. Even those who hire a financial adviser should monitor financial activities and stay involved when making investment choices.

Parents can play an important role in helping their children develop smart spending habits and money management. There are numerous daily opportunities that involve money management. Take advantage of including your child in these money matters so they can learn about it first hand.

Here are some ways to engage your child in money management and encourage smart spending habits:

  • Allow them to help with coupons and price comparisons;
  • Explain TV advertisements and messages that encourage spending;
  • Discuss how currency impacts society;
  • Give them an earned allowance;
  • Start a savings account for your child;
  • Explain balancing spending and saving;
  • Remind them that money cannot buy happiness.

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.postbulletin.com/business/kids-can-learn-lessons-when-celebrities-go-bankrupt/article_b347c0a2-bfdc-5489-896c-c962344977d6.html

Bankruptcy Law, Student Loans, Timothy Kingcade Posts

Today’s Student Loan Debt Crisis Examined

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Today’s Student Loan Debt Crisis Examined

Many consumers face financial struggles because of student loan debt and the numbers keep rising. This year’s graduating class held an average student loan debt amount of $35,000 for a bachelor’s degree, making them the most indebted graduating class in history. Many of these students plan on pursuing higher education, which means these numbers will continue to rise.

These figures indicate that a change is needed- now more than ever. “The Real College Debt Crisis: How Student Borrowing Threatens Financial Well-Being and Erodes the American Dream,” addresses this need. Professors William Elliott III and Melinda Lewis, authors of the book, hope to offer useful solutions to the growing problem that is today’s student loan debt crisis.

Elliot and Lewis argue that the significant increase in student debt is attributed to the common belief that it is acceptable to go into debt for the social and financial gains a higher education provides. While experts agree that education is fundamentally important, the resulting student debt raises the question of whether there is a return on investment.

Elliott and Lewis support shifting college financing away from “debt-dependency.” Instead, they suggest working towards an asset-building model that enables anyone willing to put in the effort to grow their wealth over time. They recommend utilizing Children’s Savings Accounts (CSAs), to accumulate assets from birth as a form of financial aid.

Political attempts to address the student debt crisis often fail to acknowledge the lifelong effects on the ‘asset building capacity’ of young borrowers from different racial and economic backgrounds.  This oftentimes effects the students who stand to benefit the most from attending college who struggle with debt following graduation.  This has been termed the ‘Debt Divide’ – where those with the highest need for student loans are the most susceptible to the negative effects before and after graduation.  There is a significant difference in student debt taken on by someone from a low-income background and student debt taken on by someone from a middle- or upper class background, who have the extended family resources to take on that debt. A long-term solution is still needed to the student loan debt crisis.  Until there is a change as to how college educations are financed, the problem of student loan debt will remain.

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://time.com/3980583/student-debt-crisis/

Bankruptcy Law, Credit, Debt Relief, Timothy Kingcade Posts

Building Credit after Bankruptcy: A Step-by-Step Guide

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Rebuilding your credit score after bankruptcy can be a challenge, but it’s not impossible.   In fact, many of our clients have a credit score between 680-700, just one year after filing for bankruptcy. The key to understanding how to rebuild your credit score is understanding the process.

Below are some helpful tips that have worked for our clients.

  • Get Your Credit Report. You can and should check your credit report regularly. Credit.com offers two free credit scores, which are updated monthly. You are also entitled to a free annual credit report from each of the three major credit bureaus.
  • Start Small. Begin with a secured credit card and pay it on-time every month. Eventually, you can get approved for an unsecured credit card with a small credit limit. Continued on-time payments will help improve your credit history and in turn improve your credit score.
  • Use Lines of Credit Responsibly. Do not obtain a new line of credit and then max out the balance. Experts recommend keeping your credit card utilization below 30%.  For example, if you have a credit card with a $1,000 credit limit, you do not want to charge more than $300 each month.
  • Pay on Time.  With continued on-time payments and proper management of your finances, your credit score will begin to improve following a bankruptcy.
  • Monitor Your Credit. Certain negative reporting may be removed if a creditor cannot validate the debt. By keeping a close eye on your credit report, you can dispute certain negative marks. Equifax offers a user-friendly online dispute tool for this purpose.
  • Understand Student Loans. If you have student loan debt, it is important to understand that these loans cannot be discharged through bankruptcy. Non-payment on student loans can prevent you from getting a mortgage or future lines of credit. Payment deferments, forbearance and missed payments can cause balances to increase significantly. The best way to tackle student loan debt is to set up a realistic repayment plan with your lender and stick to it.

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.cbsnews.com/news/how-i-am-rebuilding-my-credit-after-bankruptcy/