Author Archives: Jay Butchko
Bankruptcy Options For The Self-Employed
The prospect of considering filing for bankruptcy can be daunting. If you are facing financial challenges, you may be able to seek legal protection from your creditors by filing either Chapter 7 or Chapter 13 bankruptcy. However, if you are an entrepreneur or a self-employed independent contractor, you may face even further challenges after… Read More »
The Test You Can’t Study For
If you are considering filing for bankruptcy, you should know that not every person will be able to do so successfully. In 2005, Congress passed a revisions to the bankruptcy laws that were intended to address the abuse that was occurring regarding too many people filing for bankruptcy. This revision established a requirement that… Read More »
Life During Bankruptcy
If you are considering the bankruptcy process, you may have experienced a devastating life event such as a major medical illness, the loss of employment, or a divorce. Oftentimes, bankruptcy can be the result of other life events that result in the inability to pay overwhelming debt or financial obligations. While you may be… Read More »
Ignoring Debt Collectors
If you are facing a mounting pile of bills, the chances are that you are also receiving calls from debt collectors attempting to collect payment on behalf of your creditors. There may be a temptation to simply ignore the phone calls and letters from these debt collectors because the situation seems overwhelming. You may… Read More »
Understanding a 341 Hearing – Meeting of the Creditors
Bankruptcies allow debtors a fresh financial start. But before crossing the finish line, there are several steps a debtor must first take. If you are considering filing for bankruptcy, or have already filed for bankruptcy, you as the debtor may be wondering how your debts are discharged in a Chapter 7 bankruptcy. Understanding the… Read More »
Exceptions to Discharge
If you are considering bankruptcy, you may believe that all of your debts will be completely erased. However, this is not always true. In fact, a Chapter 13 bankruptcy does not eliminate as much debt due to the fact that the debtor simply agrees to a repayment plan over a period of years. However,… Read More »
How Bankruptcy May Affect Your Credit Score
If you are considering bankruptcy, you likely have a great deal of debt and are not thinking about making an additional large purchase such as a home or vehicle. However, it is important to understand how bankruptcy can affect your future credit score, which will impact whether or not you can purchase a home,… Read More »
Fair Debt Collection Practices Act
If you owe money and are considering bankruptcy, you may be receiving phone calls regarding your debts from creditors or collection companies on behalf of creditors. Whether or not you decide to declare bankruptcy, you have legal rights under the law that debt collectors and creditors must follow or face harsh penalties. The Fair… Read More »
Preparing For Your Bankruptcy Case
If you are considering bankruptcy in the state of Florida due to overwhelming debt, you may not know how to begin the legal process of filing for bankruptcy. If you have attempted to repay your creditors, but your debt continues to grow, making the final decision to actually file for bankruptcy can be a… Read More »
Understanding the Operating Agreement in Business and Corporate Law
Every Florida business is built on a foundation. The foundation is an agreement or some sort of ground rules for the business. Today, the business and corporate law attorneys at Kelley Kaplan Delaney & Eller, PLLC, will discuss the operating agreement and why it is important for a business’s needs. What is an Operating… Read More »
