Bankruptcy Information





  BASICS Chapter This information pertains to present bankruptcy law and procedures applicable prior to the new bankruptcy law known as the BANKRUPTCY REFORM ACT   A summary of the new bankruptcy law will be provided elsewhere on this website   This web page will be amended to reflect the new law when the Act nears its effective date Introduction The following is basic information about your Chapter bankruptcy and the course of events you will experience If you cannot find the answer to your question in the information below you should direct your individual question to your bankruptcy attorney   This website information does not replace or modify any separate written agreement with or written information provided to clients of Jonathan Alper PLC   Basic Terminology Unsecured debts include personal loans and credit cards issued by banks such as Visa MasterCard American Express or Discover and other credit cards used to purchase consumable items such as clothing food vacations etc Secured debts include those debts where the creditor has a security interest in your property to guarantee payment Examples of secured debts include mortgages car loan loans from finance companies furniture computers or electronics If you purchased store goods

  BANKRUPTCY BASICS Frequently Asked Questions About Bankruptcy Can I still file bankruptcy after the law change? Yes   The new law changed the bankruptcy rules but the law did not eliminate your right to bankruptcy protection Do have to take a credit counseling course before I file bankruptcy? The new bankruptcy law requires all debtors to fulfill two education requirements a credit counseling course prior to filing and a financial management course before obtaining a discharge   The Chapter Trustee will offer the required courses to Chapter debtors but Chapter debtors are required to take the courses on their own   All bankruptcy education courses are available in person by phone or over the internet and are approved for the district in which you are filing   You may get additional information about the costs and availability of debtor education at one or more of the following agencies approved for the Middle District of Florida   ; ; ; ; Who can file bankruptcy? Any person residing domiciled or having property or a place of business in the United States may file Chapter   A business may also file a Chapter   There are currently no minimum or maximum

        Sponsored Listings    Law Firm Profile               James Monroe P A Address Edgewater Dr P O Box Orlando FL Phone Fax E mail Web site Firm Profile The law firm of James Monroe PA located in Orlando Florida practices in the areas of Bankruptcy Debtor Creditor Issues as well as Probate & Estate Planning In I established my own firm in Orlando Florida and I represent clients in the counties of Lake Orange Seminole Volusia Osceola and Brevard in Central Florida I have over years experience as a skilled and professional Bankruptcy and Estate Planning Lawyer I pride myself on delivering quality ethical professional and effective legal representation to each and every client My commitment to these principals is reflected in my membership and participation in various practice related professional associations I offer personalized attentive service to my clients and will always be available to answer any questions that you may have In addition I represent both individuals and commercial clients in bankruptcy proceedings at the state and federal level in Florida I handle bankruptcy proceedings that include filing on behalf of an insolvent individual or business or creditors seeking distribution of the debtor's

Practice Overview Value Commitment ResultsStovash Case & Tingley P A provides comprehensive legal services in the following practice areas Banking Law & Litigation Stovash Case & Tingley P A is a leading provider of litigation services and support to banks and other financial institutions throughout the state of Florida Our banking and lending clients include large national banks local commercial and private banks national commercial credit companies and national commercial leasing companies We represent our banking and lending clients throughout the state of Florida in a professional timely and cost effective manner Thefirm concentrates its banking practice in the following areas Bank operations disputes and collectionsCommercial and consumer loan workouts and collectionsCommercial and consumer mortgage foreclosuresCommercial and consumer bankruptcy proceedingsDebt restructuringLender liability defenseSecured transaction litigation including replevinsUCC Article & litigationUCC Article litigationWorthless check fraudulent check and altered check disputesOur attorneys strive to form a partnership with our banking clients by constantly finding ways to more cost effectively attain the desired result To that end we counsel our lenders in all phases ofconsumer and commercial transactions and litigation Our attorneys are poised to provide representation in pre litigation loan workouts as well as reorganization through bankruptcy Once litigation commences we continue

          Vol III No March Homeowners can leave a lot of money on the table when they lose their property to foreclosure   Sometimes it is unavoidable   But what is really sad is the homeowner letting the property go back to the lender because no effort was made to do something to fix the problem   As Uncle Ben says it ain’t easy but you should at least try because there are some good   FORECLOSURE SOLUTIONS   What does our home mean to us?  For most it is the single biggest investment we will ever make   It is also the roof over our head shelter for our families and often our piece of the American Dream   When misfortune strikes whether from illness loss of a job or too much other debt a common reaction to the filing of a foreclosure lawsuit against a homeowner is for the homeowner to become paralyzed   If you take anything from reading this article it is this   When foreclosure comes you must take ACTION   Losing your home to foreclosure has more impact than simply losing a place to live   It is preceded by



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