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January 2017 Archives

What to know about car purchases prior to bankruptcy

Some Florida residents who are planning on filing for bankruptcy may also need to purchase a vehicle. Unless the car is purchased out of necessity, however, it could be repossessed or lead to the case being dismissed by a bankruptcy court. While it may seem beneficial to buy the car in cash, this could have implications for those opting for Chapter 7 bankruptcy.

Supreme Court to decide on case involving FDCPA

Florida residents may have heard about a Supreme Court case regarding bankruptcy and the Fair Debt Collection Practices Act. The question before the court is whether a proof of claim filed in bankruptcy court violates that act if a debt buyer or collector knows that the statute of limitations has expired. It is standard practice for such entities to robosign such claims without looking to see if statutes of limitation have expired on them.

Debt collection companies routinely ignore regulations

Debt collection companies in Florida are part of a $13.7 billion industry, but the regulations put into place to protect consumers from abuse and harassment are often ignored according to a report released on Jan. 12 by the Consumer Financial Protection Bureau. The federal agency sent surveys to 10,800 American consumers in 2014 and 2015, and the report is based on the 2,000 responses it received.

How to eliminate revolving debt

Residents of Florida who have credit card debt are not alone: 38 percent of American households carry credit card debt from month to month. Letting credit debt roll over instead of paying it off each month is called revolving the debt. Experts suggest ways that someone with revolving debt can work towards being a transactor, which is someone who pays off their credit cards each month.

Social media and divorces in Florida

Just as social media is becoming a larger part of people's lives, it is also starting to affect the way that divorces are handled. Communications on the Internet, including emails, text messages and posts on social media sites like Facebook and Twitter, can be used as evidence during a divorce.

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