How bill collectors pusue left-behind debt

By Marrero, Chamizo, Marcer Law, LP,

The deceptive practices and intimidating tactics of debt collection companies in Florida and around the country have been criticized by state prosecutors, federal regulators and consumer advocates alike. One approach that has drawn particular ire is the practice of leading the loved ones of deceased debtors to believe that they are responsible for clearing up…

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Watch out! Modifying your mortgage is not as easy as they say

By Marrero, Chamizo, Marcer Law, LP,

Are you struggling because of an unexpected job loss or medical emergency? Did a natural disaster – such as a hurricane – wreak your home or business? These things and many others can take a toll on you both emotionally and financially. It doesn’t take long before bill payments are behind and home mortgages are…

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How bankruptcy may help with auto loan debt

By Marrero, Chamizo, Marcer Law, LP,

Florida residents may be aware that a lender may repossess a car for not making loan payments. Even if the car is repossessed, a borrower may still be on the hook if the amount that the lender receives from a subsequent sale is less than the balance remaining on the loan. This is referred to…

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Making debt payments

By Marrero, Chamizo, Marcer Law, LP,

Young adults in Florida who are part of the millennial generation may have big decisions in mind like purchasing a home or starting a family. Others may have already achieved these important personal milestones. Millennials often have to make major life choices while balancing large debts. Half of them have more than one long-term debt…

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Supreme Court to decide on case involving FDCPA

By Marrero, Chamizo, Marcer Law, LP,

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…

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Debt collection companies routinely ignore regulations

By Marrero, Chamizo, Marcer Law, LP,

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,…

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How to eliminate revolving debt

By Marrero, Chamizo, Marcer Law, LP,

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,…

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Social media and divorces in Florida

By Marrero, Chamizo, Marcer Law, LP,

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. Even if an individual has…

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Changes ahead for incarcerated parents who owe support

By Marrero, Chamizo, Marcer Law, LP,

Florida parents who are incarcerated may gain the right to request that their child support payments be reduced to reflect a reduction in their income. On Dec. 19, the Obama administration released rules created by the Administration for Children and Families intended to address this issue. These regulations are part of overall Obama administration efforts…

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The potential impact of having a bankruptcy case dismissed

By Marrero, Chamizo, Marcer Law, LP,

Florida residents may know that bankruptcy may be used as a way to reorganize or discharge debt. However, one person who had filed for bankruptcy five times since 2002 was not entitled to a discharge of her debt in a future bankruptcy case. This was the ruling issued by a judge from the U.S. Bankruptcy…

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