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Miami Bankruptcy Attorney Explains the Difference Between Bankruptcy and Offers Advice for Consumers

Many consumers considering bankruptcy don't realize they have two primary options, according to one Miami bankruptcy attorney with bankruptcy attorney Miami fl . Individuals may file for Chapter 7 or Chapter 13 bankruptcy and, while both options may provide relief, each has advantages and disadvantages and not everyone who qualifies for one will qualify for the other. According to the bankruptcy lawyer, Chapter 7 is referred to as straight bankruptcy liquidation, while Chapter 13 is a payment plan for individuals with regular income. With straight liquidation, bankruptcy filers are required to attend credit counseling with 180 days of filing, as well as pass a "means test" to determine eligibility. People with income higher than their state median will have trouble qualifying for Chapter 7, and may be forced to turn to a payment plan through Chapter 13 bankruptcy. For cases filed in Miami, Florida after May 1, 2013, household income will be compared to the Flor

JP Morgan Chase Stipulation and Consent Order May Have Broad Effects for Consumers

Wites & Kapetan, P.A., Attorneys at Law who practice business disputes, class actions, personal injury and financial injury, among other areas, discussed potential effects of recent rulings through a recent blog post. The firm presents the following scenario: "So you once had a credit card, auto loan or student loan with a Bank, and you fell behind on payments. Maybe you were contacted by collection agencies and law firms to collect on the debt. A lawsuit was filed against you either by the Bank or by a third party company who bought your account from the Bank." During the lawsuit, the bank submits an affidavit from an " Agent of the Bank " or "employee" stating that this individual has personal knowledge of the allegations in the affidavit and they have reviewed records of the bank and found the amount claimed in the complaint is accurate and owed to the bank. A judgment may then be entered against the consumer based on this affidavit an

Hiring a Miami Personal Injury Attorney Following a Workplace Injury

In 2007 alone in the US, almost 5,500 workers died as a result of job injuries, while 49,000 died from work-related injuries. It's also estimated at about four million Americans are injured every year in work-place injuries or illness. If you've been hurt on the job, you were probably told that you can only receive compensation from the employer's workers' compensation insurance. While this is true in many cases, there are a lot of exceptions and you may be able to sue for damages with the help of an injury lawyer in Miami . Examples of cases were you may sue include: • Injuries from a toxic substance • Injuries from a defective product • Injuries caused by your employer's intentional or egregious behavior • Your employer doesn't have workers' compensation insurance • A third party caused the injury Unfortunately, workers' compensation usually provides very little permanent disability payments and temporary disability payments,

Hiring a Miami Personal Injury Attorney after a Slip and Fall Accident

Slip and fall accidents can happen anywhere, whether it's on public or private property. Most of the time, the owner of the property has a legal responsibility to make sure the premises are safe from hazards that they know about, and hazards they should know exist. When these slip and fall accidents ca be attributed to negligence or carelessness by the property owner, the injured party may receive compensation from an insurance claim or a personal injury lawsuit with the help of a Miami personal injury attorney . While these accidents are very common, there are a few requirements that must be met to prove your slip and fall case. The Importance of Hiring an Injury Lawyer in Miami If you've been injured in a slip and fall accident, it's important to discuss the case with a Miami personal injury attorney . Most initial consultations re free and, if you decide to hire an injury lawyer in Miami , the case will probably be handled on a contingency basis, which mean

Hiring a Fort Lauderdale Criminal Lawyer for Drug Charges

If you've been accused of a drug crime in the state of Florida, you're probably feeling overwhelmed and maybe even a bit frightened. Still, don't forget that you have the right to defend yourself against these charges. The chance of your charges being reduced or dismissed depend a great deal on the strength of your defense as well as the defense lawyer you select. Drug crimes are prosecuted very aggressively, both in Broward County and at the federal level. While combating the charges won't be easy, you can be successful if you choose the right Broward criminal lawyer to represent you. Types of Drug Crimes in Broward County There are many types of drug crimes prosecuted under Florida law, including manufacturing, delivery or possession of a controlled substance, possession with intent to sell, importation of a controlled substance, sale of a controlled substance, fraudulently obtaining a controlled substance and fraudulently prescribing a controlled substance

Helping Hands with a Debt Settlement Attorney

The world is ever changing to a place where the cost of living is rising and the amount of money made for a hard working individual is either staying put or slowly declining.  It's hard to keep up with credit card payments and medical bills and sometimes just around the corner is someone trying to make a million while stealing someone's identity.  When your luck is down and you need a helping hand to make some of the debt go away and get a fresh start, call the debt settlement attorney that will have the knowledge to get you the best deal there can be. The debt settlement attorney will go up to bat for you against many entities. They will fight for fair treatment from credit card companies. They will fight for your privacy and protect you from any harassment that may be coming your way. The debt settlement services will only help you with a choice that will be for the long haul and that isn't what you need when wanting to take care of this in a timely fashion and n

Finding a Miami Personal Injury Attorney - Where to Look

If you've been seriously hurt or you have a complicated injury claim, you will probably need the assistance of a Miami personal injury attorney . After all, insurance companies have their own armies of lawyers prepared to do everything possible to deny or limit your claim, so you need someone on your side to protect your interests and guide you through this process. As important as a lawyer is, though, you shouldn't make the mistake of just turning to any attorney for help. You need someone you can trust who has the experience handling cases similar to yours. This means you should seak out a medical malpractice attorney in Miami if you've been injured by medical care, rather than hiring someone whose experience is mostly in areas like car accidents and slip-and-fall injuries. Where to Find an Injury Lawyer in Miami? There are many ways to find an experienced lawyer to handle your case. Once you have a list of referrals or lawyers in your area, you'll need

Fort Lauderdale criminal defense lawyer

Life is about having fun and living it to its' fullest. We try our best to do the right things every day but sometimes it can get out of hand and some bad choices are made.  When these bad choices show their ugly heads we usually need some extra guidance to make sure everything ends up okay. It's a great choice to go talk with a Fort Lauderdale criminal defense lawyer . These trained professionals with years of schooling can help you move on with your life and make the bad choice only a memory of your past. The most common offense that people have to face is driving under the influence of alcohol or drugs. Every case is different depending on the circumstances. Some people get lesser sentences if their alcohol level isn't too high but high enough to be over the legal limit. If this is a first offense there might be a lesser sentence like community service or a small fine. It gets really tricky when the Fort Lauderdale criminal defense lawyer has many offenses with co

Miami estate planning attorney

Feeling Blessed Growing up with family and loved ones can be and is one of the best feelings in the world. When losing a loved one there is a hole that is created and can never be refilled no matter how hard you try. Knowing that your loved ones' belongings are safe and will be given to who they should be given to is a small step to recovering from your loss. You know you will be able to have the things that are cherished for years after they have passed. Making sure all your loved ones have a Miami estate planning attorney is a good start. Each and every one of them can take the steps to protecting themselves and other family members after they are gone. No one knows when that time may be so it's best to be prepared and ahead of the game. There are lots of things to go over when speaking to and estate planning attorney . Miami has some of the best to choose from and they will handle your case as if you were part of their family. They will respect everything that is

Get Help with A Probate Attorney

Losing a loved one is a difficult time for everyone. When the estate and affairs go to probate, you will need a probate attorney. Miami has many qualified probate attorneys that will help you and your families get through the process easily. There are some things to think about when choosing a probate attorney . Miami has the resources to do this. The first thing you will need to do find out about your probate lawyer . Miami gives you the resources to check out your attorney’s background. You can check where they have practiced law through and what sections of expertise they have. Most of the time you can find this information out just by checking the internet. A good attorney will put as much information on their website that they can so when you set up an appointment with them, you already have a sense of who you will be meeting with. The second thing you need to check out with the lawyer is their fees for the process. The Miami estate planning attorney can either act as t

Find the Best Bankruptcy Lawyer in Miami

If you reside in Florida and you want to hire a legal representative in regards to your bankruptcy case, consider hiring a Miami bankruptcy attorney . These are professionals whose practice focuses solely on financial issues clients face. Make sure that whoever you hire has the experience that is needed in handling financial conflicts. If you make the decision to obtain a legal representation you will want to work with the most suitable attorney. Bankruptcy attorney Miami are going to help you because they have more experience in the industry. Instead of working with a general practitioner you will have a much better chance of winning your case if you use a bankruptcy focused lawyer. There are a couple different ways to find the most fitting attorney. One of the most effective ways to do so is by obtaining a referral from other lawyers. If you have any friends or family who has already worked with a Miami bankruptcy attorney base your decision off of their individual experi

Do You Need a Defense Attorney for Drunk Driving Charges?

Drunk driving is actually a broad term that refers to specific charges such as Driving Under the Influence (DUI), Driving While Intoxicated (DWI) or even Driving Under the Influence with Marijuana. If you have been charged with operating a vehicle under the influence, it's time to think about hiring a skilled defense attorney. It's important to keep in mind that some Fort Lauderdale defense lawyers will tell you a defense lawyer is required in absolutely all drunk driving charges, but this may not be true. Whether you need to hire a defense lawyer will depend on many things. Are You Going to Plead Guilty? If you plan to plead guilty, you do not need to hire a defense lawyer . You will also not need a lawyer if it is your first offense, no one was hurt and you have a very high chance of being convicted, as there is nothing they can do here. There are two main situations in which you will likely end up pleading guilty: irrefutable evidence you were intoxicated

Divorce Lawyers in Miami, FL

Divorce is an unfortunate reality for many people. Even the best marriages can end in divorce. Divorce can be brought on by many things like disagreements, infidelity, money problems, irreconcilable differences, health problems, and so much more. Statistics say that 60 percent of marriages for couples between the ages of 20 and 25 end in divorce, and that 50 percent of all marriages in which the brides are 25 or older result in a failed marriage. Divorces can be difficult and painful, but having the right representation can help relieve some of the stress. Divorce lawyers in Miami will guide you through the legal aspects of your divorce, and help you reach an appropriate settlement for all of your marital assets. Here are just a few examples of things that are settled in a divorce: 1. Children - If you have children, you must determine a custody agreement. 2. Home - What will happen to the home you shared with your spouse and the contents within? 3. Other real estate - I