The Fair Debt Collection Practices Act (FDCPA) is a federal law that protects Americans from predatory debt collectors. Florida — like many states — has its own version of this law. The Florida Consumer Collection Practices Act (FCCPA) includes many of the same protections as…
If you are facing substantial debt in Florida, bankruptcy may be a solution that can help you recover financially. It’s not right for every scenario, though, so before choosing to file for bankruptcy, it is essential to understand how the process works. One important part…
Under a rule passed by the U.S. Consumer Financial Protection Bureau, debt collectors can contact you through social media platforms. But, these communications must follow other debt collection laws, like the Fair Debt Collection Practices Act (FDCPA) and the Florida Consumer Collection Practices Act (FCCPA).…
If you have struggled financially in 2021, you might have thought about filing for bankruptcy. But, you should know that there are good reasons to file for bankruptcy now instead of waiting. Here are two reasons you should file for bankruptcy right away: Beat the…
A Chapter 7 bankruptcy trustee is entrusted with overseeing and administering a Chapter 7 bankruptcy case once a debtor files for Chapter 7 bankruptcy. The main roles of a bankruptcy trustee include: Examining the Bankruptcy Petition and Supporting Documents The bankruptcy petition and related schedules…
Filing for bankruptcy is not a decision most people make lightly. When your financial situation is so perilous that you cannot see a way forward, bankruptcy offers the opportunity to discharge the debt in an organized fashion. Unfortunately, some of your creditors may not be…
A bankruptcy discharge relieves you of the responsibility for paying the debts included in the bankruptcy filing. This means that you are no longer responsible for the debt after receiving a discharge. Some creditors and debt collectors keep calling, sending bills, and even threatening you…
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