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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Court says recent credit card charges not evidence of fraud

By Marrero, Chamizo, Marcer Law, LP,

Hardship Discharge Florida residents who are struggling with debt might wonder whether they can file for bankruptcy and if they can discharge recent debts. In a West Virginia case, a bank tried to claim that a debtor could not hardship discharge almost $8,000 worth of credit card debt incurred around two months before she filed…

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Getting a bankruptcy off a credit report

By Marrero, Chamizo, Marcer Law, LP,

If a Florida resident files for Chapter 7 bankruptcy, it will likely stay on his or her credit report for 10 years after the filing date. If a person files for Chapter 13 bankruptcy, it will remain on the report for seven years. Unfortunately, there are very few instances in which a person can get…

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More high-income debtors choosing Chapter 11 bankruptcy

By Marrero, Chamizo, Marcer Law, LP,

When Florida debtors qualify for Chapter 13 bankruptcy, they might still choose to file under Chapter 11. Despite the greater expenses and complications of Chapter 11, researchers discovered that increasing numbers of individuals were opting for Chapter 11 protection. The ABI Endownment Fund commissioned the study, which found that individuals were entering the Chapter 11…

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