Tag: Credit Report

Bankruptcy Law, Credit, Credit Card Debt

Steps to Remove Judgments and Collections from your Credit Report

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Every consumer should review his or her credit report at least once a year to confirm that there are no inaccuracies.  Lenders look to a person’s credit score to determine whether he or she is a lending risk. The lower the score, the harder it will be for that person to obtain financing.  It can also affect the interest rate on the loan.

Certain actions, such as a judgment against the consumer or a collections action, can negatively impact a person’s credit score. However, if a consumer does have judgments or collections actions on his or her report, it is possible to have this information removed.

Bankruptcy Law, Debt Relief

How to Bounce Back After Bankruptcy

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There are many misconceptions surrounding the amount of time it takes to rebuild credit and bounce back after bankruptcy.  A recent study by LendingTree, reveals that individuals who file for bankruptcy can improve their credit score sooner than they think.  In fact, more than 40 percent of consumers end up having a credit score of 640 one year after filing for bankruptcy. Approximately 65 percent of filers see the same score, at least, three years after the bankruptcy case is over.

We have some important tips to help you bounce back and stay on track after filing for bankruptcy.

Put Together a Bankruptcy File.

After the bankruptcy case is complete, chances are, the filer has a lot of paperwork. It can be very tempting to put it all away, never to look at it again, but it is important to keep all these documents handy in the event they are needed in the future. If a consumer wants to purchase a car or a home, he or she may need to produce the bankruptcy paperwork before receiving financing. It helps to stay organized and put together a file for your bankruptcy paperwork.

Look Back at the Past and Strategize for the Future.

Before moving forward, it helps if the consumer gets a clear understanding of how he or she got in the bad financial situation to begin with, whether it be due to a job loss, divorce, an illness, overspending, or just bad financial luck. It helps to take a moment and strategize how the consumer wants to move forward.

Develop a Good Relationship with a Bank.

Even if the possibility is in the distant future, if the consumer wants to qualify for a loan or make a big purchase, like a home, it is important he or she has a personal relationship with a good bank. Many times, it helps to tell them a bit about how the person ended up in bankruptcy and give them a human face to the numbers on the account.

Be Cautious in the Future.

Once a consumer is out of debt, he or she will likely receive communications from lenders offering financing for various purchases. They will see that the person no longer is in debt and will not be able to declare bankruptcy again for many years, making that person an easy target. The kind of lenders who reach out to consumers right after bankruptcy, however, are not always the most reputable lenders. Be very cautious when considering these offers.

Review Your Credit Report.

After filing for bankruptcy, it is important to periodically review your credit report. A credit report can be reviewed annually for free, and it shows not only the progress being made in rebuilding the consumer’s credit score but also any false or old charges that should no longer be on the report.

Think Before Borrowing.

It can be tempting to borrow again, believing that the consumer can handle a payment when, in fact, he or she cannot. Make sure that the payments are feasible by building a budget before applying for another loan. Also keep in mind that a credit score takes a hit after applying for a new loan, and this could quickly destroy any progress made on rebuilding the credit score.

Work on Rebuilding Your Credit.

One of the best ways to get credit back to where it once was is to pay all bills on time every month. Missing a payment is an easy way to hurt your credit score.  Using a secured credit card after filing for bankruptcy is also an excellent way to improve your credit score, as the payment history is reported to the credit bureaus. Put together a budget, see what your monthly expenses are, and stick to that budget. Make sure you have enough income every month to meet your monthly obligations, and set up automatic payments, if needed, to make sure no bills are missed.

Click here to read more on this story.

If you have questions on this topic or are in financial crisis and considering filing for 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 McMaken 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 McMaken website at www.miamibankruptcy.com.

 

Credit, Debt Relief, Timothy Kingcade Posts

Errors on Credit Reports Lead to Major Life Disruptions for Thousands

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It is always recommended that you review your credit report periodically to ensure that no errors exist in your credit history. If you do discover a discrepancy or error on your report, it is recommended you contact the credit agency to have the problem fixed. For the most part, after this is done, you expect the error to disappear and not create any problems in the future. What if that does not happen? That scenario was the case for thousands of American consumers who later discovered that what they thought was fixed came to haunt them at a later date.

Thousands of Americans have been fighting legal battles related to errors found in credit reports by all three of the nation’s largest credit reporting agencies, Equifax, Experian and TransUnion. Not only are these individuals fighting legal battles, but they are feeling the effects on their credit scores. Credit errors can also lead to mistaken identity if one person who has excellent credit happens to be mixed up with someone who does not. For some, these errors have caused their credit scores to tank so much that they have lost the ability to be considered to rent an apartment or for a job. By the time the error is fixed, it is often too little too late for that person. The job may already be filled at that point or apartment rented.

It is estimated that in the past three years, more than 4,000 federal lawsuits have been filed against Equifax by litigants who claim that the credit reporting agency failed to follow federal law with respect to fair credit reporting. Other cases were filed locally via state court. According to the Consumer Financial Protection Bureau (CFPB), 175,000 complaints were filed with the CFPB between 2015 and 2017 regarding credit report errors. Of these complaints, 65 percent of those filed in 2017 had to do with information that was incorrect.

Some of these errors can occur when people who have similar names, addresses or even Social Security numbers are mixed up. One way or another, their files cross paths, causing information to be mixed up and incorrect.

However, one major problem has to do with how much credit bureaus can get away with when it comes to accountability. It can be extremely easy for them to avoid a full and comprehensive review.

In response to many of these court filings, Equifax has argued that it has procedures in place to ensure that their reports are accurate. They dispute any responsibility and say that banks and credit card companies that provide this information to Equifax are the entities who should be held responsible. Attorneys representing the consumers involved insist that these errors are mostly the fault of the credit reporting agencies, especially when it comes to consumers being mixed up if their names or information is close or similar.  Many times, these agencies do not require information used to sort consumers to be an exact match which can lead to these problems.

This problem is not a new one by any means. In 1992, Equifax came under fire after attorneys general in 18 states claimed that mixed consumer files caused damages these individuals. At the time, Equifax told regulators that they would put procedures in place to detect these errors when they occur. However, whether these procedures were actually effective is debatable.

The Federal Trade Commission (FTC) claims that one in every five American consumers has an error on their credit reports. Many of these errors go undetected by consumers.

Please click here to read more.

If you have questions on this topic or are in financial crisis and considering filing for 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 McMaken 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 McMaken website at www.miamibankruptcy.com.

 

Bankruptcy Law, Credit, Debt Relief, Timothy Kingcade Posts

When will a Bankruptcy be removed from My Credit Report?

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Making the decision to file for bankruptcy is never an easy one. Many people hold off on filing for fear of what bankruptcy will do to their credit once all is said and done. However, having a bankruptcy filing on a credit report does not necessarily mean the end of your finances or your ability to access new credit in the future. It is possible to begin rebuilding credit after filing for bankruptcy.

What Type of Bankruptcy?

The most common types are Chapter 7 and Chapter 13 bankruptcies. Chapter 7 bankruptcy is also known as a liquidation bankruptcy. This type of bankruptcy involves the bankruptcy trustee liquidating assets that are not otherwise exempt and paying off the qualified debts with the proceeds. Chapter 7 bankruptcy allows you to get a fresh start financially and erase past debts, but a legitimate concern consumers have is the effects it will have on their credit score and their ability to take out credit again.

A Chapter 7 bankruptcy filing will take approximately 10 years from the date of filing before the case will come off of the filer’s credit report. On the other hand, a Chapter 13 bankruptcy is known as a reorganization bankruptcy. This case allows the filer to work with the bankruptcy trustee to put together a repayment plan to pay for some or all of the filer’s debts over the course of three to five years. A Chapter 13 bankruptcy case will be automatically deleted from the person’s credit report seven years from the date of filing.

Can the Process Be Faster?

It is possible to have the bankruptcy removed from the person’s credit report sooner than is normally allowed.  There is a big misconception that bankruptcy cannot be removed from a credit report and that you will be penalized for 10 years, not being able to access new credit.  The truth of the law or the way law is written, there’s a maximum amount of time a bankruptcy can remain on your report, but there is no minimum amount of time.

This is done by filing a dispute with all three of the credit bureaus. It is recommended that the person reviews the bankruptcy filing and the specific debts related to the bankruptcy that appear on the credit report. If any incorrect items are found, the person can file a dispute.

When a credit dispute is filed with one of the bureaus, it must be verified and validated for it to stay on that person’s credit report. If the disputed items are not verified within 30 days of the dispute, they must be removed from the credit report, including bankruptcies.

Getting Back on Your Feet.

Chapter 7 bankruptcy allows you to get a fresh start financially and erase past debts, but a legitimate concern consumers have is the effects it will have on their credit score and their ability to take out credit again.

One of the biggest misconceptions about filing for bankruptcy is that it will ruin your credit score and your financial future.  To the contrary, after filing for bankruptcy you can begin restoring your credit right away.

If you have questions on this topic or are in financial crisis and considering filing for 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 McMaken 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 McMaken website at www.miamibankruptcy.com.

Related Resources: http://blog.credit.com/2018/05/when-can-i-get-a-bankruptcy-off-my-credit-report-65750/

Bankruptcy Law, Credit, Debt Relief, Timothy Kingcade Posts

Rebuilding Your Credit After Bankruptcy

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Chapter 7 bankruptcy allows you to get a fresh start financially and erase past debts, but a legitimate concern consumers have is the effects it will have on their credit score and their ability to take out credit again.

One of the biggest misconceptions about filing for bankruptcy is that it will ruin your credit score and your financial future.  To the contrary, after filing for bankruptcy you can begin restoring your credit right away.

Here are some steps you can take to begin rebuilding your credit after filing for bankruptcy:

Create a budget.  This will help you stay on top of your finances and is something you should have gone over in the “pre-discharge” credit counseling.

Build an emergency fund.  Research shows that having as little as $250 saved up for an unexpected expense can protect families from having to resort to pay day loans and credit cards.

Plan your post-bankruptcy credit strategy.  Assess your situation by first checking your credit score.  Dispute any inaccurate information on your credit report and have this corrected immediately.  Remember, a Chapter 7 filing will wipe out your debts, but it does not wipe your credit reports clean.  Make sure and double check all three reports.

Here are some ways to access to new credit while rebuilding your score.

Secured loans are typically offered by credit unions or community banks.  One type of secured loan involves borrowing against money you already have on deposit.   The other type can be made without upfront cash.  Instead, this money is loaned to you and is placed in a savings account and released to you only after you have made the necessary payments.  In return, the financial institution agrees to send a report to the credit bureaus.

A secured credit card is backed by the deposit you make and the credit limit is typically the amount you have on deposit.  This can help repair your credit while you wait to become eligible for an unsecured card.

A co-signed credit card can improve your score, but it is definitely a big ask. Essentially, this individual (the co-signer) is risking his or her own credit history for you and will be on the hook if the full amount is not paid on the card.

If asking to co-sign is too much, an authorized user status will work.  Basically, you are an authorized user on that person’s credit card.  Just make sure the credit card will report the payment activity by authorized users to the credit bureaus, otherwise it will have no effect on your score.

A lighter debt burden automatically makes you more desirable to lenders, so be vigilant about paying on time.  Keep your credit card balances relatively low compared to the card’s limit.  For example, less than 30% is typically advised while using just 10% of the available credit is even better.

Still not convinced?  A testimonial from one of our clients in regards to their credit score after filing for bankruptcy.

My credit score said on all three reports 775, I couldn’t believe that I had such a great score before 10 years. Tim for me was the best move I have made for my situation. I have no regrets, I am glad the past is the past. – Bill T.

If you have any questions on this topic or are in a financial crisis and considering filing for 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.

Related Resources:

https://www.nerdwallet.com/blog/finance/rebuild-credit-after-bankruptcy/

Bankruptcy Law, Credit, Debt Relief, Timothy Kingcade Posts

One Wrong Move Can Bring your ‘Zombie’ Debt Back to Life

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In the spirit of Halloween, we want to warn you about zombie debt.  As the name suggests, zombie debt is a debt that you thought was dead but has come back to life.  This could be a debt you already paid off, a debt you settled with a creditor, a debt where the statute of limitations has expired, a debt that was wiped out in bankruptcy, or a debt that was never yours to begin with.

Zombie debts are old debts.  That in itself is what makes them so dangerous to consumers, especially when debt collectors apply high-pressure tactics to have you pay up.

Another downside, these debts are oftentimes hard to verify. As debts are sold and resold, information can vanish, leading collectors to seek payment on erroneous debt.  Making even a single payment on an old debt can reset the statute of limitations, leaving you vulnerable to a lawsuit.

Debt collection is the largest source of consumer complaints to the Consumer Financial Protection Bureau, with more than 85,000 complaints filed in 2015.  The leading complaint: Consumers being harassed for debts they did not owe.

Here are some steps you can take to avoid becoming a victim and put zombie debt to rest for good:

  • Request a validation letter.  This will outline details, including the original creditor, the amount of the debt and how you can challenge it. This will help you verify that it is your debt and has not already been paid.
  • If you already paid the debt: Write a letter to the collections agency demanding that it cease contact. The Fair Debt Collections Practices Act requires them to do so. Remember: You cannot legally be sued for a debt that is past the statute of limitations, even though collectors may still try.
  • Pull your credit report to determine whether it is being reported to the credit bureau.  You can do so for free at www.annualcreditreport.com.
  • Know your rights. Do not let a debt collector bully you.  The Fair Debt Collection Practices Act protects you against abusive collection tactics.
  • If the debt is not yours, it is otherwise invalid: Write a letter challenging the debt within 30 days of the initial contact.
  • If you do owe the debt and can pay, resolving an unpaid account can end the collection calls and improve your credit score. Get any payment agreement in writing before sending money.
  • If you do owe the debt and cannot pay: Tell the creditor you cannot afford to pay. Never give your credit card information or bank account information to a creditor.  Instead, pursue debt relief through credit counseling or bankruptcy.

No matter what, be proactive. Do not ignore anything you receive in the mail from a debt collector and make sure and keep all of your correspondence in writing.

At the law firm of Kingcade & Garcia we want you to have a safe and Happy Halloween this year!   If you have any questions on this topic or are in financial crisis and considering filing for 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.

Related Resources:

http://www.usatoday.com/story/money/personalfinance/2016/10/31/debt-collectors-zombie-debt-payment/92666504/

http://detroit.cbslocal.com/2016/10/31/dont-get-bit-by-zombie-debt-this-halloween/

 

Bankruptcy Law, Credit, Timothy Kingcade Posts

Miami Ranked As One of the Worst Major U.S. Cities for Managing Money

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CreditCards.com recently ranked the nation’s cities in terms of money management by comparing credit scores and an index of U.S. Census Bureau data including: average income, education level, unemployment rate and the population ages of the 25 largest cities. According to the report, Miami ranked as one of the worst major cities in the country for managing their money. In fact, Miami came in 22nd. Tampa ranked 23rd on the list with Washington, D.C. at 24th and Baltimore at 25th. Los Angeles was ranked as the best city in the nation at money management, followed by Minneapolis as second and New York as third.

In order to rank the cities, the report focused on which city residents were paying their bills on time, keeping low credit card balances and not “over-applying” for credit, according to CreditCards.com senior industry analyst Matt Schulz. The original theory was that the older, richer and more educated residents would have higher credit scores, however, the data proved that factors such as cost of living, divorce rate and mobility level greatly impacted scores.

For example, although the Washington D.C. residents brought home a larger annual income than most cities, they also carried significantly higher credit card balances than other cities.

Click here to read more on this story.

If you are in financial crisis and considering filing for 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.

Bankruptcy Law, Credit, Debt Relief, Timothy Kingcade Posts

How to Get a Loan After Bankruptcy

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Many Americans believe their credit will never be the same after filing for bankruptcy. However, if you take the right steps, it’s possible to build a good credit score while you wait for bankruptcy to fall off your credit report.

If you developed bad financial habits that led to your credit problems, improving your credit score may be difficult. It is important to remember that it is possible to get your credit score to 700 within three years after filing for bankruptcy. If you are able to improve your credit score after bankruptcy, your odds of getting approved for a new loan are much higher.

Below are some tips to help you get a loan after bankruptcy:

Check your Credit Reports.

Although bankruptcy damages your credit score, having debts discharged will likely improve your chances of getting approved for new credit because your credit-to-debt ratio will be lower. However, you still want to check your credit history to make sure your bankruptcy was reported correctly to the three major credit-reporting agencies (Equifax, Experian and TransUnion).

You should also make sure that all of the accounts involved in your bankruptcy have a zero balance and are labeled as discharged. This will tell all of your prospective lenders that your income is now yours to spend.

Build a Positive Payment History.

Make sure to pay all of your bills on time after filing for bankruptcy. You want to prove to lenders that you are moving forward in a positive way. One of the best ways to build a positive payment history is to keep one account open with a zero balance. This does not mean that you should not use the account; it means you should make small purchases and pay the balance in full each month.

 Shop for (Re-) Starter Credit.

If you do not have any credit accounts open after filing for bankruptcy, apply for a secured credit card or credit-builder loan at your local bank. These types of credit are designed specifically to help people fix their credit scores.

Click here to read more on this story.

If you have any questions on this topic or are in financial crisis and considering filing for 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.

 

Bankruptcy Law, Credit, Timothy Kingcade Posts

What’s Not on Your Credit Report May Hurt You

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Everyone worries about their credit score and what’s on their credit report, particularly when they are about to make a big purchase such as a car or a home. However, the things that are not on your credit report can be just as harmful as what is. There are several ways that good credit references, such as secured cards and bank loans paid on time, can help your credit:

Accentuate the positive. Positive payment history can be the best thing for your credit score. However, many people do not realize that one of the things credit scores take into account is the proportion of positive and negative items. For example, even if you have negative information on your report, having more positive information can offset the negative.

Length of credit history. Your credit score considers the age of all of your accounts. Even older accounts such as a paid-off mortgage can help your credit score for years to come.

Credit mix. Credit scores also take into account the different types of credit you have. It is best to have both installment and revolving accounts listed on your report.

Missing the good stuff. Not all lenders report their customers’ payment histories to credit-reporting agencies. This can be harmful to your credit score, because many report only negative information. Unfortunately, there is nothing you can do to force a lender to report your account, you just have to continue good bill-paying habits until they begin showing up on your credit report.

Click here to read more about the missing information on your credit report and how it may hurt your credit score.

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.

Bankruptcy Law, Credit, Timothy Kingcade Posts

Trends in Credit Card News- How New Legislation is Keeping Consumers Safe

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Congress is taking steps to limit checking account overdraft fees that continue to charge consumers billions of dollars every year. Reps. Carolyn Maloney and Maxine Waters have introduced a bill that limits the cost of overdraft fees and prohibits practices that increase the likelihood accounts will be overdrawn. Also known as the Overdraft Protection Act, it limits overdraft coverage fees in many ways. It would prohibit financial institutions from charging more than one overdraft fee per month or more than six per year; it would require overdraft fees to be “reasonable and proportional” to the amount of the overdraft; and it would prohibit a fee if the overdraft results solely from a hold placed on an account that exceeds the amount of the transaction. Many merchants, such as hotels and gas stations, automatically place a hold on the money in your checking account when you pay with a debit card. The bill also addresses the practice of posting checking account transactions in a way that maximizes overdraft fees.

In other credit card news, a Massachusetts court ruled that zip codes could no longer be required at a check out. The Supreme Court unanimously ruled that zip codes are private information and consumers should not be prompted for a zip code when using a credit card. The decision came from a lawsuit where a merchant was prompted for her name and zip code, after which the retailer used this information to find her address and send her junk mail. The collection of personal information violates state law.

Richard Cordray was again nominated to head the Consumer Financial Protection Bureau (CFPB) last week. The decision came following a 12-10 vote by the U.S. Senate Banking Committee. Every Democrat approved Cordray, while every Republican opposed him. However, his approval will be stalled due to a deadlock preventing his vote. The CFPB is a federal consumer watchdog group that monitors and tracks the complaints on credit cards, mortgages, student loans, bank accounts, services and other consumer loans.

Click here to read more of the latest credit card news.

Click here to find out more about the Consumer Financial Protection Bureau.

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.