Unemployment income and Chapter 13 bankruptcy

By Marrero, Chamizo, Marcer Law, LP,

When individuals or married couples in Florida face financial challenges, they may decide to look into bankruptcy as one among many options for debt relief. Depending on their circumstances, they may opt to file for Chapter 13 bankruptcy which permits them to keep their property as long as they continue to make payments on their…

Read more

Obtaining child support from a parent with a disability

By Marrero, Chamizo, Marcer Law, LP,

When a Florida couple with children divorces, the non-custodial parent is usually required to pay child support. This is to ensure that the custodial parent has enough money to raise the child. The payment amount will be partially based on the non-custodial parent’s income, so anything that reduces a one’s ability to earn may also…

Read more

Are you the next target of a mortgage modification scam?

By Marrero, Chamizo, Marcer Law, LP,

Mortgage modifications are often wise options for people who are behind in their mortgage payments or who are interested in lowering their payments. Unfortunately, there are a lot of scam artists out there conning innocent homeowners. Florida Attorney General warns residents about scams Despite crackdowns on mortgage scam artists, Florida residents are still being targeted…

Read more

Supreme Court sides with truck drivers in bankruptcy case

By Marrero, Chamizo, Marcer Law, LP,

When a Florida company files for bankruptcy, the workers might worry about receiving their salaries like the drivers who worked for Jevic Holding Corp. They had to take their case all the way to the Supreme Court of the United States after lower courts ignored their $8 million claim for damages while settling the Chapter…

Read more

Can medical bills be discharged in bankruptcy?

By Marrero, Chamizo, Marcer Law, LP,

One of the most common reasons for filing bankruptcy is to get rid of medical debt. A major illness or injury can result in significant bills, even if you have medical insurance. It can also lead to lost time at work, which means less money coming in to pay those bills. Some or all medical…

Read more

Florida prisoners may not be eligible for Chapter 13 Bankruptcy

By Marrero, Chamizo, Marcer Law, LP,

A case involving a felon in prison recently came before a state bankruptcy court. The individual filed for chapter 13 bankruptcy, but the court denied his request since he was making only about $14 per month, which came from the Illinois Department of Corrections. This amount was determined to be insufficient for entering into the…

Read more

The truth about collection accounts and credit reports

By Marrero, Chamizo, Marcer Law, LP,

Florida residents may understand that collections activity on a credit report is not ideal. However, they may not know that such activity may not necessarily stay on their credit report for a full seven years. This may be true if the account in question does not belong to the person who a collection agency is…

Read more

Obtaining a home mortgage modification in Florida

By Marrero, Chamizo, Marcer Law, LP,

Foreclosure Miami Many people have faced then Foreclosure Miami court process during Miami-Dade foreclosures in many recent years. While some people have been able to save their homes by obtaining a mortgage loan modification, some still struggle with house payments they cannot afford. Although the federal government offered the Making Home Affordable Program to allow…

Read more

Ways for parents to protect children in a divorce

By Marrero, Chamizo, Marcer Law, LP,

When Florida parents begin to consider divorce, they might be primarily concerned about its impact on their children. However, they may be able to approach the issue in a way that is less upsetting. The first thing parents should do is consider the timing. Some parents divorce during the school year when they can meet…

Read more

Reasons to pay off debt

By Marrero, Chamizo, Marcer Law, LP,

Some people in Florida who are in debt might think that paying it off as soon as possible is not important. So many people carry debt these days that it is often seen as normal to be hundreds or even thousands of dollars in debt. However, there are a number of reasons to get rid…

Read more