Tag: Kingcade Garcia McMaken

Bankruptcy Law, Credit, Debt Relief, Foreclosures, Timothy Kingcade Posts

Hurricane Irma Aid Includes Everything from Foreclosure Delays to Waived Credit Card Fees

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Victims of Hurricane Irma are eligible for a range of public and private aid programs.  This includes everything from delayed foreclosures, tax extensions, waived credit card fees and any data overages incurred on cell phones.

FEMA’s Transitional Sheltering Assistance is available to eligible survivors in Florida who are unable to return to their primary residence due to their home being uninhabitable or inaccessible. If you are eligible for Transitional Sheltering Assistance, FEMA will pay for the cost to stay in certain hotels or motels for a limited period of time.

Here are some additional assistance programs you may qualify for:

  • FEMA’s Individuals and Households Program offers financial help with medical, dental, child care, funeral, personal property and transportation expenses. This program also provides funds for temporary housing, repairs and construction.  For more details call: 800-621-3362.
  • Disaster Unemployment Assistance provides unemployment benefits and re-employment services to people who lost their jobs because of the hurricane, but who are not eligible for state unemployment benefits. For more details call: 800-621-3362.
  • In partnership with the Young Lawyers Division of the American Bar Association, FEMA provides free legal help to low-income disaster survivors who need assistance filing their storm-related complaints. For more details call: 800-621-3362.
  • JPMorgan Chase will waive or refund late fees on mortgages, credit cards and auto loans through September 24. It will also waive overdraft and service fees.  For more details call: 1-888-346-0023.
  • HUD recently granted a 90-day suspension on foreclosures for mortgages backed by the Federal Housing Administration. There are more than 280,000 FHA-insured Florida homeowners living in these impacted counties. For more details call: 1-800-569-4287.
  • For homeowners or renters who have lost their homes, HUD’s Section 203(h) program gives FHA insurance to disaster victims who have to rebuild or purchase another house. The loans come with no down payment and greater forgiveness of low credit scores. For more details call: 1-800-569-4287.
  • The IRS has extended a deadline for certain individual and business filings until Jan. 31, 2018.  This includes an additional filing extension for taxpayers with valid extensions that expire October 16.  So taxpayers in the region have until Jan. 31 to file returns and pay any taxes that had been due as of September 4.  This includes deadlines for quarterly payments. For individual tax filers, it also includes 2016 income tax returns that got an extension until October 16.

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We hope and pray you and your family made it through the storm safely and our community is quickly restored. During this time of recovery, our office is open and we are here if you need us. 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, Debt Relief, Timothy Kingcade Posts

Miami Bankruptcy Attorney Timothy S. Kingcade Receives Prestigious Client Champion Platinum Award 2017 from Martindale-Hubbell

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Managing Shareholder, Timothy S. Kingcade of the Miami-based bankruptcy and foreclosure defense law firm of Kingcade Garcia McMaken, P.A. was awarded the 2017 Client Champion Platinum Award from Martindale-Hubbell on September 19, 2017, joining the top 1% of attorneys nationwide.

“We are proud to recognize these attorneys who epitomize the best in client service,” said Diana Schulz, President of the Martindale division. “This award showcases those attorneys who have demonstrated a commitment to client service as confirmed by their clients and makes it easier for buyers of legal services to select the right lawyer.”

The 2017 Client Champion Platinum Award appears on Timothy S. Kingcade’s Lawyers.com and Martindale.com profile pages.

Attorney Timothy S. Kingcade is also AV rated by Martindale-Hubbell, which designates the highest level of professional excellence and ethical standards an attorney can receive. This rating indicates that an attorney’s colleagues and judiciary perceive him to be at the pinnacle of professional success. Martindale-Hubbell Peer Review Ratings are an objective indicator of a lawyer’s ethical standards and professional ability, derived from evaluations of lawyers by members of the bar and the United States judiciary.  The Legal Ability ratings are based on performance in five key areas, which include: Legal knowledge, analytical capabilities, judgment, communication ability and legal experience.

Attorney Kingcade practices exclusively in the field of bankruptcy law, handling Chapter 7 and 13 filings and foreclosure defense cases for the Southern District of Florida.  As an experienced CPA and proven bankruptcy attorney, Timothy Kingcade knows how to help clients take full advantage of their rights under the bankruptcy laws to restart, rebuild and recover.

Miami-based Kingcade Garcia McMaken, P.A. was established by managing partner and bankruptcy attorney, Timothy S. Kingcade in 1996. The firm represents clients throughout the State of Florida in Chapter 7 bankruptcy and foreclosure defense cases. The firm is committed to providing personalized service to each and every client, clearly explaining the options according to the unique circumstances of his or her life. The office environment and the service provided are centered on a culture of superior client care for the financially disenfranchised. All partners and associates at Kingcade Garcia McMaken P.A. specialize in consumer bankruptcy and foreclosure and have dedicated their practices to this area of the law. Additionally, all attorneys and staff members at the firm are bilingual speaking Spanish.

Bankruptcy Law, Credit, Debt Relief, Timothy Kingcade Posts

We are pleased to announce the launch of our NEW website and new firm name, Kingcade Garcia McMaken!

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The new site URL is https://www.miamibankruptcy.com/ and features valuable consumer information and extensive resources in our main area of practice: Bankruptcy law. The updated site is interactive and mobile-friendly.  We have improved the configuration of our content, making it easier to navigate.

Special features of the new site include an updated News & Resources section with informative videos and media coverage, a special section devoted to Tips for Dealing with Debt Collectors, hundreds of new Client Testimonials and the Miami Bankruptcy Law Blog, your go-to resource for all things bankruptcy!

Have a bankruptcy question?  Visit our Miami Bankruptcy Q & A section.

The new site is customized for our Spanish speaking clients as well. Readers can find biographical information about the attorneys and staff, along with notable case results and significant verdicts the firm has obtained for its clients.

We offer a wide array of information to potential clients seeking bankruptcy information. Among other topics, we invite you to learn about:

We have included numerous calls-to-action throughout the new site and an opt-in form to sign up for our firm’s monthly e-newsletter.  We will be updating the new site continuously with informative articles, blogs and firm announcements – so please come back and visit, soon!

Since 1996 Kingcade Garcia McMaken, 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.

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

Why Paying off Your Student Loan Debt Early Could be a Mistake

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The average college student who graduated in 2016 had approximately $37,172 in student loan debt.  While experts offer differing opinions on exactly which types of debts are considered good and bad, everyone agrees that debt on something that will end up making you money in the long run is essentially “good debt.”

A 2013 study based on Labor Department statistics showed that Americans holding a four-year college degree made 98% more per hour on average than those without a degree. Student loans are typically a low interest debt, as opposed to credit card debt which is typically the most expensive kind of debt.

The interest rate for undergraduate federal student loans disbursed in 2017 was 4.45%; the rate for federal graduate student loans was 6%. Compare that to the average credit card APR of 15.59%.

The Department of Education allows student borrowers to choose from up to eight different repayment plan options, several of which are designed for those with low income levels. If one repayment plan does not work, you can switch to another.

Private student loan debt is different and comes with a higher interest rate.  Private student loan lenders offer what is called “financial hardship forbearance,” which means you can suspend your payments due to financial hardship but the interest continues to accrue and is added to the balance.

Paying your student loan debt consistently overtime can lead to debt forgiveness.  Certain federal student loan repayment plans can result in automatic debt forgiveness. If you choose the Income-Based Repayment Plan, the Income-Contingent Repayment Plan, or either of the Pay As You Earn Repayment Plans, any balance you owe on your federal loans after 25 years will be automatically forgiven.  Student loan debt interest is also tax deductible, something you will see in your refund after filing your personal taxes.

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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 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, 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 McMaken website at www.miamibankruptcy.com.