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Miami Bankruptcy Attorney Jordan E. Bublick, with offices at 1221 Brickell Ave., 9th Fl, Miami, Florida (free parking available in the building) offers a free initial consultation in which to review and evaluate your financial and legal situation and to review your options for bankruptcy under chapter 13 or chapter 7. Attorney Jordan Bublick has over 25 years of experience in filing chapter 13 and chapter 7 cases and limits his practice to chapter 13 and chapter 7 bankruptcy cases as well as mortgage modifications.

 Chapter 13 is often being used at in the present times to stop foreclosure case so as to give a homeowner the opportunity the obtain a mortgage modification. As part of the chapter 13 plan, you are able to propose to avoid or discharge "underwater" second mortgages.  Past due IRS taxes may be paid off over time or in some cases discharged.
1221 Brickell Ave, Miami, (Just South Downtown)
You are not required to bring documents to the initial consultation, but if you are able to bring some of the following it may be helpful: lawsuit papers, tax returns and paycheck stubs.

Jordan E. Bublick may be reached at (305) 891-4055 or at [email protected]. www.bublicklaw.com

Jordan E. Bublick is a Miami Bankruptcy Lawyer with over 25 years of experience in filing Chapter 13 and Chapter 7 Bankruptcy Cases and Mortgage Modifications (305) 891-4055

Using credit after bankruptcy is the best way to rebuild credit after bankruptcy. If you do want to join the financial mainstream, opening up lines of credit after bankruptcy discharge and paying them off every month in full is probably the best way to have a great credit score in as little as eighteen months after filing.
Phillip Tirone, the expert who advises most of our clients regarding credit matters after filing, advises them to not be concerned so much about the fact that they have filed bankruptcy. There is no legal way to have it removed from your credit score (just as there is no legal way for your debts to legally return). The good news is that it ultimately doesn’t matter because the credit scoring bureaus are far more concerned with your recent behavior that your past behavior.
The idea then, is to persuade the bureaus to pay more attention to your recent laudable credit behavior than to your pre-bankruptcy behavior. To that end, Tirone advises out clients to open three new credit cards after discharge and one installment loan.
With respect to the credit cards, keep them active by using them only every other month, make only small charges, maybe ten percent of your limit, and pay them off in full every month.
These cards should be taken out pretty quickly after discharge. The credit-scoring bureaus respond best to accounts that have been open for long periods of time. Your future credit score will benefit best if you open the accounts now. So no more moving balances from card to card and no more carrying balances at all.
With respect to the installment loan shortly after discharge, try and avoid taking out a car loan. You are going to get locked into a high interest loan and you are going to add a large balance of debt to your credit report. Far better would be an appliance, tire or furniture loan that can be paid off in six months.
 Remember that this is no time to be even one day late on anything, this is your chance to build something new and good. Bankruptcy is truly a fresh start and its value needs to be maximized.
If you want to build up a great score after bankruptcy, you really need to commit to paying your credit bills immediately every single month.
If you need help rebuilding your credit after bankruptcy, please contact me as soon as you can, we offer this service for free to all our Oregon and Washington bankruptcy clients for free so please take advantage of it.
The original post is titled Tips for Increasing Your Credit Score in the Wake of Bankruptcy , and it came from Portland Bankruptcy Attorney | Northwest Debt Relief .

Personal property of  $l,000.00 and $4,000.00 value

Each debtor may "exempt" (i.e. keep) $l,000.00 of personal property ($2,000.00 for a joint case) from the bankruptcy estate.  Also another statute allows each debtor to “exempt” $4,000.00 ($8,000.00 for a joint case) of personal property if one does not claim or receive the benefits of a Florida homestead exemption. The valuation of the property is generally based on its liquidation value or "garage sale" value.
Cars and other Motor Vehicles
 
 In addition to the above general personal property exemption, $l,000.00 in equity ($2,000.00 for a joint case), in one car (two for a joint case) or other motor vehicle (such as a motorcycle, truck, trailer, semi-trailer, truck tractor, semi-trailer combination, recreational vehicle, etc.) is "exempt" from the bankruptcy estate. Often this is not even used as many vehicles have no net value (equity) as more is owed on them than they are worth (i.e. you are "upside down").  During and after the bankruptcy, you must, of course, continue to make any payment due for a lien on the vehicle.
Pension Plans, IRAs, and other Retirement Plans 

Pension plans, I.R.A.'s, and other retirement plans are generally not part of the estate or may be exempted from the estate (including under the exemption provided in the Bankruptcy Code itself 522 (b)(3)(C)) . 
Earned Income Credit Refund   

An interest in an IRS earned income credit ("EIC") whether received or yet to be received is exempt. It also applies to funds in a bank account traceable to such EIC. This exemption does not apply to collection for child support or spousal support. Jordan E. Bublick is a Miami Bankruptcy Lawyer with over 25 years of experience in filing Chapter 13 and Chapter 7 Bankruptcy Cases and Mortgage Modifications (305) 891-4055

Automatic Stay Upon the filing of your bankruptcy case, you are immediately protected from most collection actions against you and your property. The automatic stay is an injunction against the involved creditors from proceeding wit heir collection actions.
Exceptions to the Automatic Stay
The following are some of the items that are not automatically stayed by the filing of your bankruptcy case: criminal cases, certain actions regarding alimony, maintenance or support, and governmental police or regulatory actions.

 Creditors Meeting

About 6 weeks after your bankruptcy case is filed, you must attend the "creditors' meeting" (34l meeting) at the Federal Building. This is generally just a short meeting with your bankruptcy trustee and any creditors who choose to attend.  In most cases, no creditors bother to attend.  Your Bankruptcy Judge will not attend.

You must bring your original social security card, driver’s license,  and proof of payment of your chapter 13 plan payments.

Length of Chapter 13 Plan Chapter 13 plan are usually for a period of 3 to 5 years. This length of the plan depends of various factors, including your income, the amount of your non-exempt property, and what you are trying to achieve in chapter 13 plan.

Discharge OrderAfter you complete your chapter 13 plan, the trustee will issue a report of your plan completion. Shortly thereafter, your chapter 13 discharge will be entered and your case closed.
  Jordan E. Bublick is a Miami Bankruptcy Lawyer with over 25 years of experience in filing Chapter 13 and Chapter 7 Bankruptcy Cases and Mortgage Modifications (305) 891-4055