Innovative startup wants to relieve medical debt load

By Marrero, Chamizo, Marcer Law, LP,

Unpaid medical bills can take a toll on your life just like the burden on many Florida residents. That’s especially true for Florida Residents without health insurance. People who have insurance are also likely to be affected by high insurance deductibles and copays. However, a startup company called Better was recently formed to help people…

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How Some Student Loans Might Be Canceled

By Marrero, Chamizo, Marcer Law, LP,

Some Florida residents might believe that student loans cannot be discharged in a bankruptcy. While this is generally true, there are some exceptional circumstances in which it may be possible to get student loans discharged by the government. For example, student loans may be discharged if the school closes or engages in fraudulent activity. In…

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Federal Reserve interest rate hikes to raise payments for debtors in Florida

By Marrero, Chamizo, Marcer Law, LP,

Credit cards, adjustable-rate mortgages and home equity loans tie their interest rates to a rate set by the Federal Reserve. This rate establishes the cost of short-term loans between banks, and increases ripple out to Florida borrowers and affect their payments. The Federal Reserve has already raised this critical rate twice in 2017 by one-quarter…

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The Number of Health Plans with High Deductible Increases

By Marrero, Chamizo, Marcer Law, LP,

Medical Bill Lawyer Since the implementation of the Affordable Care Act, a rising number of people in Florida and the rest of the nation have been using health plans that have high deductibles. This is according to a study recently conducted by the National Center for Health Statistics at the United States Centers for Disease…

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Debt Settlement Companies Ordered to Cease Activities

By Marrero, Chamizo, Marcer Law, LP,

Our Debt Settlement Attorney Florida Lawyers have seen first hand just how many customers of debt settlement companies are mislead about debt relief. According to the attorney general of Florida and the Federal Trade Commission, they have obtained a court order that requires 11 companies to immediately cease all of their debt settlement activities in…

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Divorce Communication is Important in Helping Children

By Marrero, Chamizo, Marcer Law, LP,

Florida parents who are getting a divorce can help their children adjust during this difficult time through effective divorce communication. At the outset, they should be honest with their children who will know that something is wrong when a parent moves out. Children need reassurance that the divorce is not about them as well as…

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Illegal Debt Collection Methods

By Marrero, Chamizo, Marcer Law, LP,

If you have ever fallen behind on your bills, you may have firsthand knowledge of just how aggressive a debt collector can be in their collection tactics. While they are within their rights to attempt to collect any money owed to them, creditors and debt collectors may not use illegal debt collection methods considered unlawful…

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Older Couples and Divorce in Miami

By Marrero, Chamizo, Marcer Law, LP,

Older couples in Miami, Florida are more likely to get a divorce in Miami compared to their counterparts in 1990, but this remains the age group that is least likely to split. Furthermore, not all marriages of older couples are equally vulnerable to divorce. For example, a 2012 study found that compared to second or…

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Study Examines Effects of Political Differences in Relationships

By Marrero, Chamizo, Marcer Law, LP,

Some Florida couples might find they are arguing more about political differences since the last presidential election. According to a recent survey by Wakefield Research, 22 percent of people said they knew a couple whose relationship had suffered because of the election of Donald Trump. The survey, which gathered data from 1,000 participants between April…

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Judge rules Bankruptcy Trustee cannot retroactively change payment plan

By Marrero, Chamizo, Marcer Law, LP,

Chapter 13 Bankruptcy Florida Based on a case that occurred in another state, a Chapter 13 Bankruptcy Florida trustee is unlikely to be allowed to retroactively change a Chapter 13 payment plan so that it matches an allowed creditor’s claim. A judge for the U.S. Bankruptcy Court for the Southern District of Texas ruled that…

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