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  • jrockfl
    started a topic Filing non consumer chapter 7

    Filing non consumer chapter 7

    I have an online business that has been losing money for the past few years. I had to go back to work as a software developer.
    I met with an attorney and he says that I would qualify for a non consumer chapter 7. In addition to the failing business I have a rental
    property that have I never...
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  • Pre-planning Chap. 7 Questions about property appraisals

    I am planning on filing at the end of the year so I'm getting my ducks in a row. I'm thinking we may now qualify for Chapter 7 so I want to think through everything involved in that so I'm not blindsided if that's the case. I'm in the Middle Court of Florida Tampa area to give you an idea of where we...
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  • HELP: Homestead exemption - Assest Protection - Advice (Florida)

    Ive had consulted with different attorneys but have not gotten a direct answer.

    My current situation is the following:

    Background:

    - I am unemployed and looking for work.


    - I have the second mortgage (wells fargo) from...
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  • VOTE TOMORROW!!!!! (An Adventure at the FL Polls)

    doesn't matter who you vote for, just VOTE. it's our right and so many fought for the freedom to make our votes heard.


    now, i what to "share" my voting experience in florida, as this was so surrealistic, it could only happen in the movies .


    in florida...
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  • Dealing with Key Bank after Ch 7- negotiate vs waiting for garnishment

    I'll try to make this short. My husband has an over $120,000 private education loan with Key Bank . Our Chapter 7 was discharged in July. He is now getting calls from Key Bank- they just ask him to call. We want to have our ducks in a row before we call. Has anyone had success negotiating a payment...
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  • HPCRY
    started a topic Florida homestead exemption v. domicile

    Florida homestead exemption v. domicile

    I recently inherited a house in North Florida. I have resided in South Florida for 40+ years. I currently rent after doing a short sale on personal residence and now need to file BK. I'm confused about domicile vs homestead. Once probate is finished the N Fla home will not have homestead for tax purposes,...
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  • Do assessments have to be paid after filing for bankruptcy?

    January 8, 2012

    Q. It is known throughout the community that my neighbor filed for bankruptcy six months ago, and she continues to use the community pool and gym. This owner is also telling everyone that she does not have to pay assessments anymore. Is this true and what can be done?—...
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    Last edited by tobee43; 01-08-2012, 11:06 AM.

  • Mortgage Modifications in Bankruptcy – Taking Matters Into Our Own Hands

    this is really interesting!!! it's really dealing about what's going on in the florida area, however, good info!!


    "Is there any wonder there is so much discontent in this country? Nationwide, HAMP has been nothing less than a dismal failure for struggling homeowners trying to...
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  • worldgirl28
    started a topic My 341 Story (Chp 7, Pro Se)

    My 341 Story (Chp 7, Pro Se)

    Hey everyone - I just got back from my easy-breezy 341 meeting. Like everyone on here has said IT IS QUICK! I know there are exceptions, of course, but my meeting was pretty by the book. I apologize in advance if this post is long but I just want to explain how my meeting went and hopefully calm the...
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  • AP Analysis: US Economic Stress Eased In February

    April 14, 2011

    Thanks to lower unemployment and fewer bankruptcies, the nation's economic stress edged down in February as all but five states strengthened from January, according to The Associated Press' monthly analysis.

    Three states that were hit hardest by the recession...
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  • 3 yrs. later, Wells Fargo bank persueing additional fees on discharged home loan ?

    Here's some info for all my fellow Florida neighbors (Sarasota County -Tampa Middle District). After filing for Ch. 7 in 2007 includinging our home & being discharged in 1/2008 my home still sits vacant. The bank filed a Lis Pend in 6/12/2009, it went up for tax sale by county last July where Wachovia/Wells...
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  • Discharged in FL, still no foreclosure/vacant 3 yrs. Should I rent it & do I owe HOA?

    Here's some info for all my fellow Florida neighbors (Sarasota County -Tampa Middle District). After filing for Ch. 7 in 2007 & being discharged in 1/2008 my home still sits vacant. The bank filed a Lis Pend in 6/12/2009, it went up for tax sale by county last July where Wachovia/Wells Fargo paid...
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  • Couple Owns Home After One Payment Due to Foreclosure Glitch

    March 22nd 2011


    Facing foreclosure and fed up with the banks trying to take back your home? Well, a foreclosure loophole that helped an Ankeny, Ia., home construction worker and his mortgage loan originator wife win a 2009 court judgment against CitiMortgage, giving them title...
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  • Some see hope as Orlando-area bankruptcies hit lull? but Record HIGH filings???

    Some see hope as Orlando-area bankruptcies hit lull
    Still, area's filings set record for 2nd-straight year



    December 11, 2010


    Near-record unemployment and foreclosures have propelled Orlando-area bankruptcies to record heights again this year, though...
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  • SquareOne
    started a topic a question from florida

    a question from florida

    i recieved a letter from a plaintiff attorney representing one of my unpaid credit cards. enclosed was a DEFAULT FINAL JUDGEMENT and a blank form ( small claims rules form 7.343 ) for me to fill out, of course asking my income, check stubs etc...The letter was sent by the Plaintiff attorney and although...
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