Chapter 13 Bankruptcy

15 Oct Bankruptcy is the Ultimate Protection from Florida’s Corrupt Foreclosure System

For Floridians, Federal Bankruptcy Court is proving to be a far superior avenue for actually saving homes than our state court judicial system.

The homeowner, with the help of a qualified bankruptcy attorney, can encapsulate and protect as much of his assets as possible while eliminating the uncertainty created by a failed foreclosure system. Homeowners are often emerging from Bankruptcy Court with the meaningful mortgage modifications that elude them in Florida’s state courts. Floridians shouldn’t have to seek refuge from our state courts, but be grateful there is an alternative, especially if you live in the Middle District of Florida.

Who runs Florida’s Foreclosure Courts? Why the banks do, of course. Just ask judges, prosecutors and the Florida Bar.

Retired senior judges regularly bend the rules for banks and their often inept lawyers prosecuting foreclosures, and they have been turning a blind eye to the bankster fraud in their courtrooms for years. For years, these retired judges have been paid for results – reducing the number of open foreclosure cases specifically – and they have been too willing to ignore the rule of law to make sure they “hit their numbers.”

Most retired judges create their own special set of rules they apply in foreclosure cases to tilt the playing field in favor of mortgage companies. They justify this unequal treatment because “homeowners aren’t making mortgage payments,” but they refuse to hear the hundreds and thousands of stories from homeowners describing their failed attempts to work directly with the mortgage industry to make their mortgage payments and avoid foreclosure.

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31 Aug 13 Ways To Maximize Your Chances For Chapter 13 Bankruptcy Success

You file for Chapter 13 bankruptcy for a variety of reasons: to save a home, car or other property; to reorganize your finances; to account for income that's too high to qualify you for a Chapter 7; because it's better for your individual situation. Whatever your reason, you deserve to succeed. There's a long road involved in a Chapter 13 bankruptcy. With your Plan lasting 36-60 months, you're going to get to know your lawyer pretty well. You may not speak that often, but there have got to be open lines of communication in order to make things run smoothly. From the lawyer's side, a Chapter 13 bankruptcy involves not only thorough review of your financial information and meticulous preparation of the court documents, but also a keen eye to red flags. Confirmation, any good Chapter 13 lawyer will tell you, is in many ways the beginning rather than the end. But what about your responsibilities? It's a two-way street, after all.
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29 Aug Bankruptcy Petition Schedules Reveal Your Basic Information

Filing a bankruptcy petition is a process in which you disclose important information about your assets, your debts and your income and expenses. Anyone looking at your petition can usually see all they need to know about your financial condition by studying your bankruptcy schedules. Who will be looking at your bankruptcy schedules? Your bankruptcy petition is public information, accessible and available for anyone to view. Usually, however, the only ones who will study your schedules include the trustee assigned to your case, the United States Trustee’s office, and any creditors who care to.
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