Court takes second look after placing toddler with known abuser

By Marrero, Chamizo, Marcer Law, LP,

Investigations by news media have yet to uncover what information caused a Duval County judge in Florida to approve an adoption of a toddler girl by a relative with an active warrant for domestic battery. The court has chosen to evaluate the case again amid concerns that the adoptive uncle and aunt present an unsafe…

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How will Chapter 7 bankruptcy affect my credit?

By Marrero, Chamizo, Marcer Law, LP,

One of the top concerns for people considering filing for bankruptcy is the resulting effects on their credit score. A credit score can have a lot of power, dictating where you can live and what you can buy. It is important to know where you will stand after filing for bankruptcy. If your score is…

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Understanding debt negotiation companies

By Marrero, Chamizo, Marcer Law, LP,

Debt negotiation firms exist to help those who struggle with debts, such as credit cards and car loans. Florida residents who are struggling with debt might be interested in reading about how these types of companies work before using their services. Debt negotiation companies help people settle their credit card debts by negotiating with creditors,…

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Florida debtors may be able to make property transfers

By Marrero, Chamizo, Marcer Law, LP,

Florida residents who are considering filing for bankruptcy and are thinking about transferring certain assets out of their estate before doing so may be interested in a 2016 decision of the U.S. Court of Appeals for the 9th Circuit. According to the Bankruptcy Code, a discharge could be denied for debtors who attempt to make…

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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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Expired, invalid debts are often collected in bankruptcy

By Marrero, Chamizo, Marcer Law, LP,

Many Florida residents who are in debt to others are not aware that there is a statute of limitations regarding their obligations. After a certain period of time, an unpaid debt that has not been reaffirmed by the debtor becomes uncollectible. If a debtor files for bankruptcy, the owner of time-barred debt may be able…

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Why couples should have a financial plan for marriage

By Marrero, Chamizo, Marcer Law, LP,

When Florida couples are planning a wedding, they probably have no thought of ever getting a divorce. It is a fact, however, that divorce rates are rather high, especially for subsequent marriages. Talking about finances and debt in advance can make good sense, especially since money matters are one of the leading causes of marital…

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