Identity theft and bankruptcy

By Marrero, Chamizo, Marcer Law, LP,

Florida residents who have been victims of identity theft should make sure that they take the appropriate steps to correct the situation. While bankruptcy may be a useful financial and legal tool to use for certain financial problems, using it to fix the damage caused by identity thieves may not be the best choice. Identity…

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Filing for bankruptcy may save pawned assets

By Marrero, Chamizo, Marcer Law, LP,

Florida residents who are experiencing financial problems or just need some extra money often apply for a secured loan. This is a loan that is backed by an asset such as a car or a property title. If a debtor doesn’t make payments, the creditor has the right to seize the asset that was put…

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Dealing with collection attempts for zombie debts

By Marrero, Chamizo, Marcer Law, LP,

When Florida consumers suddenly receive a letter or a phone call about a debt that they don’t know anything about, they could be facing a ‘zombie debt.” This term refers to an obligation that has lain dormant for years before being resurrected by a collections agency. It may or may not be legitimate. Sometimes a…

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Deciding between Chapter 7 bankruptcy or a debt management plan

By Marrero, Chamizo, Marcer Law, LP,

Many people in Florida face overwhelming levels of unsecured debt. For some individuals, using a debt management plan can be very helpful. However, debtors may want to do some research before opting for such a plan over filing for Chapter 7 bankruptcy. Debt management plans are offered by credit counseling agencies. With these plans, people…

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