Author Archives: Ryan Albaugh
When Should I File for Bankruptcy?
For many people, bankruptcy offers debt relief and a fresh start to your finances. However, filing for bankruptcy depends on a variety of factors and your individual circumstances. It is imperative to thoroughly review all of your options before making a decision to file. Prior to filing your case, consider the types of debt… Read More »
Florida Penalties for DUI
According to Florida law, DUI is a criminal offense that is proved by impairment of normal faculties or unlawful blood alcohol content (BAC) of .08 or above. The following are the potential DUI offenses according to the number of convictions: First DUI Offense Maximum jail sentence of six months Fine between $500 and $1,000,… Read More »
Alternatives to Bankruptcy: Debt Consolidation
If you are facing aggressive creditors and mounting debt but wish to avoid bankruptcy, you may be able to seek an alternative solution. In some situations, combining debt can make repayment more manageable, and could help you settle your financial issues more quickly and efficiently. Whether you owe money for unpaid medical bills, credit… Read More »
Chapter 7 vs Chapter 13: The Pros and Cons
Once you have made the decision to file for bankruptcy, you will be faced with the decision of choosing which type of bankruptcy best suits your set of circumstances and will offer you the most effective form of financial relief. The two most common forms of bankruptcy are Chapter 7 and Chapter 13 bankruptcies,… Read More »
Filing for Bankruptcy? Avoid These 6 Things
If you have found yourself in a financial predicament caused by a recent divorce, the loss of a job, or high medical bills, you might already be mulling over the idea of filing for bankruptcy to eliminate your debts. However, you should be careful when navigating these financial waters as there are some decisions… Read More »
Does Bankruptcy Wipe Out All My Debt?
Bankruptcy can eliminate some debt, but it cannot eliminate all types of debt and wipe the slate clean. Before making a decision regarding whether or not you should file for bankruptcy, it is important to understand which debts will be erased and which will not. Generally, you can rid yourself of credit card debt… Read More »
Does Bankruptcy Hurt My Credit Score?
Filing for bankruptcy is a difficult decision, and one that should only be made under the counsel and guidance of a skilled bankruptcy attorney. Although bankruptcy might seem like an end-all situation, it can be a new beginning for many. It is true that your credit score will be heavily impacted by filing for… Read More »
Is It Too Late for Me to Save My Home?
Have you run into financial trouble? As a homeowner, the prospect of losing your house can be devastating. However, once you are facing foreclosure it may seem like you have no other options. Before you give up hope, consider several alternatives that may be available to you as you navigate your current financial circumstances…. Read More »
Can I File My Own Bankruptcy?
The thought of hiring a lawyer can be overwhelming. In the age of the internet, you have worlds of information at your fingertips – it should be easy to figure out what you need to do to file bankruptcy, right? Not necessarily. The legal world is incredibly complex and it is important to really… Read More »
How Long Does Filing a Chapter 7 or 13 Bankruptcy Take?
Time is of the essence when you are looking to file for bankruptcy. Not only are you being harassed by creditors, but you also are ready to get your finances back on track and return to a more normal life. If you are considering filing for bankruptcy, you are probably wondering how long the… Read More »
