By Alfred Villoch, III, Esquire, with Savage, Combs & Villoch, PLLC On November 17, 2014, the United States Supreme Court granted a petition for writ of certiorari in two cases: Bank of America, N.A. v. Caulkett (In re Caulkett), 566 Fed. Appx. 879, 2014 U.S. App. LEXIS 9407 (11th Cir. Fla., 2014) and Bank of…
Continue reading ›Many Bankruptcy Attorneys in Tampa will tell you, people often ask whether or not they should file Chapter 13. The answer is that, every situation is unique and so there is no, one-size-fits-all answer. Bankruptcy Attorneys in Tampa could answer questions and evaluate a debtor’s situation to determine which type of bankruptcy filing is most…
Continue reading ›Long before Florida became a state in 1845, Florida’s territorial government sought to protect Floridians. As early as 1828, Florida enacted a requirement that non-residents file a ‘bond with approved security in the sum of one hundred dollars, conditioned for the payment of all Cost and charges which may be adjudged against him in said…
Continue reading ›Have you recently filed for bankruptcy? Skilled Tampa Bay bankruptcy attorneys can help you navigate the process. There are six different types of bankruptcy cases: Chapter 7: Liquidation or “Straight” Bankruptcy Chapter 9: Adjustment of Municipality Debts Chapter 11: Reorganization Chapter 12: Adjustment of Debts for Farmers or Fishermen Chapter 13: Wage Earner’s Adjustment of…
Continue reading ›One of the most taxing aspects of filing for Chapter 13 bankruptcy is gathering and preparing all of the documents for the court. Tampa bankruptcy lawyers can assist with this process. Additionally, Tampa bankruptcy lawyers can explain that certain documents are necessary to file with the court and others are necessary for the completion of…
Continue reading ›A presumption of abuse means that you are taking advantage of the bankruptcy system, which could mean that your case is dismissed. This determination is made by reviewing your disposable monthly income to see if it is higher than the maximum allowed of $195.42 per month. If your monthly disposable income, or net CMI, is…
Continue reading ›By Alfred Villoch, III, with Savage, Combs & Villoch, PLLC So you owe money to a creditor, like a credit card company, and the creditor sues you. Eventually, a court awards your creditor a money judgment, say for $10,000. Can the creditor now garnish your wages in an effort to satisfy that judgment? Put another…
Continue reading ›By Alfred Villoch, III, with Savage, Combs & Villoch, PLLC If you miss car payments, the company that loaned you the money to purchase the car can likely take back your car in what is called “repossession.” The right to take back your car for nonpayment usually comes from the terms of the signed loan…
Continue reading ›When deciding whether to file for bankruptcy with the help of contract dispute lawyers in Tampa, you should understand how your existing debts will be handled. Some debts are dischargeable in bankruptcy and some are not. Of the debts that are not, some are non-dischargeable by law and some may be determined non-dischargeable by the…
Continue reading ›By Alfred Villoch, III, with Savage, Combs & Villoch, PLLC Johnny Smith accidentally runs a red traffic light and slams his pick-up truck into a motorcyclist, Drew Lenders. Sadly, Drew was not wearing a helmet and suffered significant head trauma and memory loss. Drew’s hospital bill alone is $50,000 He also missed 3 months from…
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