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Florida?

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  • Florida?

    Anyone here file in Florida? We met with an attorney the other night. Felt pretty good about him. We asked if they could take away the money we would be saving from not paying our bills and he said no, they cant touch 12g of earned income. Anyone heard of this? we certainly wont have that much have nothing now, but probably will have at least 3g which we need to move and get a new place

  • #2
    There are plenty of us here in Florida that have lived here and filed here, and others who have lived elsewhere and moved here and filed here. Then there are others who lived here and then moved elsewhere, and filed elsewhere.

    Now, please explain what your real questions are. Otherwise, we cannot help.
    Last edited by AngelinaCat; 11-05-2010, 10:12 PM.
    "To go bravely forward is to invite a miracle."

    "Worry is the darkroom where negatives are formed."

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    • #3
      I'm in Florida and going through the process now. When I say "going through" I mean that I have an attorney, have filled out the packet they gave me, and I stopped making my credit card payments. However, I am unable to file until the end of January, so that is where I'm at.

      As it is, yes, there are actually quite a few here that I have seen in Florida.
      Decided on Chapter 7: October 13, 2010; Retained Attorney: October 20, 2010; Filed Chapter 7: February 4, 2011; 341 Meeting: March 23, 2011; Discharged: May 24, 2011

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      • #4
        Florida? Count me in...
        Filed CH7 9/24/2010, 341 on 10/28/2010, Disch.&Closed: 1/6/2011. FICO EX: 9/2: 672.
        FICO EQ: pre-filing: 573, After BK Public Record: 568, 10/3: 673.
        FICO TU: pre-filing: 589, After BK Public Record: 563, 9/2: 706.

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        • #5
          I'm not from Florida, but I've read that you can exempt 6 months of wages up to $500 per week... 6x(500x4)= 12,000. Might be what your attorney was talking about.

          Wages: 100% of paid and unpaid wages up to $500 per week for "head of household" (deposited into bank account for up to six months) [222.11] and

          6 month for non head of household mentioned in the document which is linked below. In re Weinshank 406 B.R. 413, (Bankr. S.D. Fla., 2009)

          Document on Exemption Issues: http://www.sidneyturnerllc.com/image...Exemptions.pdf

          Depending on income:

          WAGES:

          · Disposable earnings-head of family earning <= $500/week-100%

          · Disposable earnings-head of family earning > $500/week: greater of 75% or 30 X federal minimum wage

          · Disposable earnings: non-head of family: greater of 75% or 30 X federal minimum wage

          · Wages, travel expenses, or unemployment compensation payments under § 222.15 (travel expenses shall not exceed $300)

          · Unemployment Compensation Benefits - 100% except for support obligations
          Last edited by debee; 11-06-2010, 02:23 AM. Reason: I should be sleeping ...
          There are two secrets for success in life:
          1.) Never tell everything you know.

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          • #6
            Originally posted by IBroke View Post
            Florida? Count me in...
            we'll count you!!!

            LOL!!! we also have a discussion group...you can join http://www.bkforum.com/group.php?groupid=9...NEW and hopefully helping with insight into florida issues.
            8/4/2008 MAKE SURE AND VISIT Tobee's Blogs! http://www.bkforum.com/blog.php?32727-tobee43 and all are welcome to bk forum's Florida State Questions and Answers on BK http://www.bkforum.com/group.php?groupid=9

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            • #7
              there sure are....and PLEASE check your county in your district!! amounts for your exempt income CHANGE from one to another....but i know your atty will check lake cty for you....

              them mean average is above the $500 mentioned in many areas and less in others, so you everyone needs to be careful and find out what your county allows.

              pika...did you join us over at http://www.bkforum.com/group.php?groupid=9

              LOL!! we are all neighbors!! i'm thinking we should have a bk....get together in a free park...we'd most likely fill the place UP!!!
              8/4/2008 MAKE SURE AND VISIT Tobee's Blogs! http://www.bkforum.com/blog.php?32727-tobee43 and all are welcome to bk forum's Florida State Questions and Answers on BK http://www.bkforum.com/group.php?groupid=9

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              • #8
                Count me in, I filed in florida, I stupidly took out 6000 bucks from my 401 k , right b4 filing. I was okay with trustee. When she ask me , I see you took out 6000 from your 401, I said yes to pay my attorney and live on. She said okay. Of course I did not have home to claim exemption on. Do not take any money out until after filing...
                chpt 7 ,5-2009

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                • #9
                  Originally posted by Floridagail View Post
                  Count me in, I filed in florida, I stupidly took out 6000 bucks from my 401 k , right b4 filing. I was okay with trustee. When she ask me , I see you took out 6000 from your 401, I said yes to pay my attorney and live on. She said okay. Of course I did not have home to claim exemption on. Do not take any money out until after filing...
                  yes...fg...we didn't have house to exempt either...and what lousy exemptions....shoot...what was it...like 1k each of personal property!!! awful!! i thought for a while we were going to have to pay the difference to keep our one LAST car....i brought in the kelly blue value and the trustee accepted it...thankfully!!
                  8/4/2008 MAKE SURE AND VISIT Tobee's Blogs! http://www.bkforum.com/blog.php?32727-tobee43 and all are welcome to bk forum's Florida State Questions and Answers on BK http://www.bkforum.com/group.php?groupid=9

                  Comment


                  • #10
                    Originally posted by tobee43 View Post
                    there sure are....and PLEASE check your county in your district!! amounts for your exempt income CHANGE from one to another....but i know your atty will check lake cty for you....

                    them mean average is above the $500 mentioned in many areas and less in others, so you everyone needs to be careful and find out what your county allows.

                    pika...did you join us over at http://www.bkforum.com/group.php?groupid=9

                    LOL!! we are all neighbors!! i'm thinking we should have a bk....get together in a free park...we'd most likely fill the place UP!!!
                    Very cool! How do I 'join' this and get added to the member list? A park gathering may be very nice one day... Hm, very nice.
                    Decided on Chapter 7: October 13, 2010; Retained Attorney: October 20, 2010; Filed Chapter 7: February 4, 2011; 341 Meeting: March 23, 2011; Discharged: May 24, 2011

                    Comment


                    • #11
                      Originally posted by pikaroth View Post
                      Very cool! How do I 'join' this and get added to the member list? A park gathering may be very nice one day... Hm, very nice.
                      you should just be able to click on the site...or go up to the top of the bk forum screen

                      click on "community"
                      click on "groups"
                      click on "join"
                      then you'll see us...can't miss it...LOL!!! we are picture of the hurricane moving towards Florida!! a bk picnic...i really think we might do it! we could put a big sign up...ROFL!!!!!!!!!! anyone welcome!! we would most likely cause a traffic jam everywhere! everyone in fl would want to come to our picnic!
                      8/4/2008 MAKE SURE AND VISIT Tobee's Blogs! http://www.bkforum.com/blog.php?32727-tobee43 and all are welcome to bk forum's Florida State Questions and Answers on BK http://www.bkforum.com/group.php?groupid=9

                      Comment


                      • #12
                        Just joined! Our party-picnic will be epic.
                        Decided on Chapter 7: October 13, 2010; Retained Attorney: October 20, 2010; Filed Chapter 7: February 4, 2011; 341 Meeting: March 23, 2011; Discharged: May 24, 2011

                        Comment


                        • #13
                          Originally posted by pikaroth View Post
                          Just joined! Our party-picnic will be epic.
                          great!!! we were just talking about the darn auto insurance rates...another sore subject for us in florida!!
                          8/4/2008 MAKE SURE AND VISIT Tobee's Blogs! http://www.bkforum.com/blog.php?32727-tobee43 and all are welcome to bk forum's Florida State Questions and Answers on BK http://www.bkforum.com/group.php?groupid=9

                          Comment


                          • #14
                            I just joined and made a comment on auto-insurance.....
                            "To go bravely forward is to invite a miracle."

                            "Worry is the darkroom where negatives are formed."

                            Comment


                            • #15
                              Originally posted by AngelinaCat View Post
                              I just joined and made a comment on auto-insurance.....
                              yes!!!! we are growing!! that's excellent...since i really believe there are so many of us. i saw your comment and i'm so tired of this credit profiling to determine how we drive our cars..it's really terrible!
                              8/4/2008 MAKE SURE AND VISIT Tobee's Blogs! http://www.bkforum.com/blog.php?32727-tobee43 and all are welcome to bk forum's Florida State Questions and Answers on BK http://www.bkforum.com/group.php?groupid=9

                              Comment

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