#floridabankruptcy

[lawsuncoast]

How Life Events Affect Your Chapter 13 Bankruptcy Timeline

Discover how life events like job loss, medical crises, or family changes can impact your Chapter 13 bankruptcy timeline and learn how to ad

Life Events That Shape Your Chapter 13 Timeline

Life changes like job shifts, medical issues, or family events can impact your Chapter 13 plan. Understanding these effects helps you stay compliant and avoid delays.

[abcsofbankruptcy-blog]

Can my HOA bill me for unpaid fees which were due prior to chapter 7, if my bank decides to let me keep my house?

Q: I owed about 24 months of association fees before chapter 7 been discharged and another 12 after. Now my bank decided to let me keep the house. The HOA attorney is trying to collect on everything. What am I liable for? What kind of payment plan is usually acceptable?

A: While you are not personally liable for the dues that accrued before you filed, you are personally liable for the ones that accrued after filing. The HOA can still foreclose on the property for the entire debt because it "runs with the land." They have to be careful how they word the foreclosure complaint to make it clear they are not holding you personally liable for the pre-petition dues. 

You should consult with a bankruptcy attorney to make sure the HOA did not violate the bankruptcy code, the Fair Debt Collection Practices Act, or the Florida Consumer Credit Practices Act.

-Non-attorney spokesperson

Source of answer: Avvo

[abcsofbankruptcy-blog]

I found this very good question that this bankruptcy attorney has taken the time to answer.

-Non attorney spokesperson

[laniganandlanigan]

Do It Yourself Bankruptcy: Never, Ever File Without an Attorney

Winter Park Florida bankruptcy lawyer Eric Lanigan tells clients never to walk into a Federal courtroom without an attorney to file bankruptcy alone. 

Judges have no patience, there is no lenience and no excuse for a layperson trying to file bankruptcy without the guidance of a professional. 

You risk losing everything. Make one mistake, incorrectly claim an asset, miss providing the proper assets list or value of an asset and you can be denied. 

There will be no do-over, no room for errors and no way for you to re-enter the courtroom with an attorney. Your DIY can turn into turn everything you own over to the creditors. 

When you decide bankruptcy is what you need to start over and get a  financial fresh start, contact Lanigan and Lanigan. Work with Eric Lanigan who has been practicing law in Florida since 1976.