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What Is a 341 Meeting?

341meetingUpon filing for bankruptcy, part of the process will include what’s called a “341 meeting” which is essentially another name for a meeting of creditors. That number is specifically for Bankruptcy Code purposes.

A 341 meeting must take place no earlier than 21 days after you’ve filed for bankruptcy and no later than 40 days. Even though its name mentions creditors, typically you won’t see any creditor at the meeting. Though they may be held in a court building, these meetings are not held in a courtroom nor will a judge be present, they aren’t even allowed to be present in fact. Instead, they may be held in a conference room and will be attended by several other people that have also filed for bankruptcy, not just yourself.

Despite its importance, a 341 meeting can take as a little as 10 minutes to complete. These meetings are overseen by a person dubbed a trustee who will review your bankruptcy paperwork to ensure everything is correct and then sit with you to ask a couple of questions.

A trustee’s role is to make sure that your creditors are getting as much money as possible, which is why he or she will make sure that all your assets, income, and debt have been properly reported. They may also ask questions and it’s imperative to answer everything truthfully.

These financial tips are provided to you by Fort Lauderdale bankruptcy attorney Bigge & Rodriguez, P.A.  If you need a Fort Lauderdale bankruptcy lawyer or have questions about Chapter 7 or 13 bankruptcy, call 954.400.7322 to speak with us.  We also specialize in foreclosure defense.

The Costs of Bankruptcy

bankruptcyCostsPerhaps the biggest cost involved in bankruptcy is the emotional one, but there are also financial costs that are required if you’re planning on filing for bankruptcy. When you’re already dealing with a bankruptcy situation, the last thing you want to think about is expenses but there are some you will need to pay for if you’re looking to start with a clean slate.

The first fees that you’ll likely be required to pay for are the court fees which are $335 and $310 for Chapter 7 and Chapter 13 bankruptcy, respectively. If your bankruptcy case is a complex one you’ll also want to consider hiring an attorney.  The price for your attorney will vary based on the case complexity and the attorney’s fees which could be charged hourly or as a flat rate. Be aware of this as you move forward and don’t always settle for the cheapest attorney as this could mean that they have less experience.

Other costs you may be required to pay for could include the debtor education course and/or counseling certificate you’ll be required to take as part of your bankruptcy filing. These courses usually cost about $30 to $50 but they may vary. Real estate appraisals are also something to take into account.

These financial tips are provided to you by Fort Lauderdale bankruptcy attorney Bigge & Rodriguez, P.A.  If you need a Fort Lauderdale bankruptcy lawyer or have questions about Chapter 7 or 13 bankruptcy, call 954.400.7322 to speak with us.  We also specialize in foreclosure defense.

Developing a Family Budget

familyBudgetIf you managed to successfully file for bankruptcy, you are now in a great position to start with a clean slate and make better financial decisions.  To avoid falling into the same or similar patterns as you did before, you’ll want to make the transition towards developing a budget for you and your family.

Begin by talking things out and avoid making any unilateral decisions regarding your family’s budget.  Take a moment to talk about what needs to be included in the budget and what areas will require tightening things up.  Make sure to include exact dollar amounts of what your expenses will be and stick to them.  These initial steps will help tremendously in relieving the anxiety associated with having to maintain stricter finances.

Remember that even after bankruptcy, you do have to take some time to enjoy life and give yourself some small luxuries.  Your budget should factor in these small luxuries so that each member doesn’t feel as if they are necessarily giving something up.  Keep in mind that these luxuries should not detract or conflict with helping you stay on top of your new, realistic financial goals.

Lastly, remember that it is imperative to leave room in your budget if something goes wrong or needs to be adjusted.  As time goes by, allowing some room for budget flexibility means you have room to adjust it as necessary and will have the money available to cover any unforeseen emergencies.

These financial tips are provided to you by Fort Lauderdale bankruptcy attorney Bigge & Rodriguez, P.A.  If you need a Fort Lauderdale bankruptcy lawyer or have questions about Chapter 7 or 13 bankruptcy, call 954.400.7322 to speak with us.  We also specialize in foreclosure defense.

Better Financial Habits to Consider

financialTipsAdopting a healthier financial lifestyle requires discipline and it can be a challenge.  After all, it’s very tempting to just swipe your debit or credit card only to realize that you’re now in a significant amount of debt.  Being aware and learning from the following tips will help you transition into better financial habits.

Don’t spend without thinking about the future.  Not everyone has the leeway to set aside 10% of a paycheck, especially if you live paycheck to paycheck.  However, if your situation allows, it will provide a cushion in the event of an unforeseen emergency.  Over time, these funds can be incredibly helpful even if you lose your job or have to take time off of work.

Create a budget.  Are you the type that just spends hoping that everything will work itself out?  Not having a budget can be dangerous and it can easily lead to overspending which means you may not have enough money to cover your car payment, mortgage, or even buy groceries.

Don’t buy more than what you need.  Do you really need that huge SUV that quickly guzzles gallons of gas?  Is the house you’re buying twice as large as what your family needs?  Learn to scale back and reduce or remove expenses where possible.

These financial tips are provided to you by Fort Lauderdale bankruptcy attorney Bigge & Rodriguez, P.A.  If you need a Fort Lauderdale bankruptcy lawyer or have questions about Chapter 7 or 13 bankruptcy, call 954.400.7322 to speak with us.  We also specialize in foreclosure defense.

A Financial Spring Cleaning

springCleaningWith the spring season in full swing, now is a great time to think about cleaning.  While you may be thinking about maybe cleaning your garage or working on the yard, your finances can probably also use some tidying up.  A spring financial clean up is a great time to take a look at your finances and make sure everything is in check.

Begin with taking a look at your budget.  Is it still as effective as the first time you made it?  What’s working?  What could use some tuning up?  Has it helped you save money?  Maybe there are new expenses that needed to be factored in.  You want your budget to allow some wiggle room but to also be effective.  Taking a look at it every couple of months ensures you can make adjustments as necessary without getting stressed out.

If you have a filing cabinet that you use to keep all of your financial paperwork, it’s a good time to sift through it.  Bank statements that are a year old can be safely thrown out, but you’ll want to keep tax documents around for at least seven years.  You may also want to divide your personal, business, and home documents separately to keep track of everything.

Now is also a good time to make sure all of your accounts are in order.  Bank accounts, your 401K, retirement accounts, credit cards, all of these are worth taking a look at to make sure there are no discrepancies or something that you may have overlooked.  You may also be able to negotiate a better rate.

These financial tips are provided to you by Fort Lauderdale bankruptcy attorney Bigge & Rodriguez, P.A.  If you need a Fort Lauderdale bankruptcy lawyer or have questions about Chapter 7 or 13 bankruptcy, call 954.400.7322 to speak with us.  We also specialize in foreclosure defense.

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Starting a small company can not be unexciting, but it can also be a great deal of function. Writing a business-plan that is great offers a target for that enterprise and boosts the likelihood of acquiring economic assistance from prospective lenders. You'll look for a lengthy set of entries, should you execute a Web research on publishing a company approach. This listing includes organizations that produce posts from the selection of textbooks plans for you as well as a variety of assistance. Despite all of this, there's no body structure in developing your business plan, to follow along with. (more…)

Credit Cards and Post Bankruptcy

creditCardApplicationFiling for bankruptcy will result in a major dent on your credit score, but it doesn’t mean you can never apply for a credit card again.  Yes, receiving approval will be considerably harder, but the policies vary by lender and each creditor has its factors that determine your eligibility that include but are not necessary limited to your income and the amount of time that has passed since your bankruptcy was resolved. To illustrate, Capital One provides a secured card that states an applicant is not eligible if he or she has what’s called a “non-discharged bankruptcy”, which essentially means a bankruptcy that has yet to be resolved.  Unfortunately, the criteria among issuers remain fuzzy, and the only way to know whether or not you’ve been approved is after a hard credit pull that will lower your score by a few points. If you are planning on applying for a credit card post-bankruptcy, however, a secured credit card may indeed be your best bet as these cards are intended for individuals looking to boost their credit.  Unlike a normal credit card, you must have the money available to put down as a security deposit which translates to the amount of credit you’ll have available.  This card differs from a prepaid debit card in that the funds you’ve put down function as a backup should you not pay your bill. Keep in mind that a credit card issuer may still deny your application, even if it’s for a secured credit card.  If you think your bankruptcy may affect your chances, your local credit union is another viable option as they tend to be more lenient than larger banks. These financial tips are provided to you by Fort Lauderdale bankruptcy attorney Bigge & Rodriguez, P.A.  If you need a Fort Lauderdale bankruptcy lawyer or have questions about Chapter 7 or 13 bankruptcy, call 954.400.7322 to speak with us.  We also specialize in foreclosure defense.

Listing of Therapy Research Paper Topics

Some learners have trouble with every phase of writing a speech or an essay, to arranging a top level view from doing research, from publishing the release to in conclusion. Individuals that are additional only have a problem with onestep: selecting a topic. After they have a topic, they could think of article or a whole talk with few issues. So how does a student who can't figure out a topic think of one? Occasionally she will try exercises onpaper to find out an interesting matter. Others find lists of matters and can search the web. (more…)

Tips for Tax Season

taxPreparationThe deadline for filing your 2015 taxes is right around the corner, on April 18.  This period can be stressful, and it’s further exacerbated if you’re planning on filing for bankruptcy.  You’ll definitely want to make sure you file on time, especially if your plans are to apply your refund towards the fees associated with filing for bankruptcy.  Let’s take a look at a couple of tips to make sure tax season goes as smoothly as possible. The earlier you can manage to file your taxes, the lower the odds of making a mistake due to rushing and the more time you’ll have to make a payment should one be necessary.  Make sure to get all of your paperwork in order, including those W2 forms that report your earnings.  You may also need a 1095-A form for health insurance and 1099 if you did any independent contractor work involving more than $600 in earnings. If you’re not planning on using the services of a tax professional, software like TurboTax is a great, easy to use tool that’s also free.  If you’re willing to pay for the premium version, it can also be helpful in finding deductions that could save you money or allow you a larger return.  If you do plan on making deductions, also make sure that you’re claiming the right ones. These financial tips are provided to you by Fort Lauderdale bankruptcy attorney Bigge & Rodriguez, P.A.  If you need a Fort Lauderdale bankruptcy lawyer or have questions about Chapter 7 or 13 bankruptcy, call 954.400.7322 to speak with us.  We also specialize in foreclosure defense,

Living Within Your Means

budgetMakingIt’s very easy to become competitive.  If you happen to have friends or neighbors that like to brag about their yearly vacations, their new state of the art audio system, or their lavish wedding, you may be tempted to try and live up to this standard.  Attempting to outdo or present yourself in a light that you can’t really afford could result in having to declare bankruptcy. It’s not easy to maintain a secure financial life, but if you can understand the reasons why you should live your life your way instead of trying to live up to others, you’ll begin to understand the importance of living a secure financial life and reducing the odds of a bankruptcy. For starters, large purchases can actually have a negative effect if you can’t really afford it.  If you buy a new vehicle, will you enjoy driving it or will you remain constantly worried that something might happen to it that you won’t be able to afford?  Will you be able to enjoy that huge vacation you took when you’re trying to figure out how to pay the credit card bill?  Living within your means can give you a tremendous peace of mind. Remember that it’s always crucial to have wiggle room in your budget in the event of unforeseen circumstances. Appliances do break down, health emergencies can happen, and not having the money to take care of these things will only cause more stress. Always keep in mind that the grass is not always greener on the other side.  All those expensive items your friends or neighbors have could mean that they’re secretly struggling with debt or they may be having to make cuts in other important areas of their life just to maintain appearances or stay afloat. These financial tips are provided to you by Fort Lauderdale bankruptcy attorney Bigge & Rodriguez, P.A.  If you need a Fort Lauderdale bankruptcy lawyer or have questions about Chapter 7 or 13 bankruptcy, call 954.400.7322 to speak with us.  We also specialize in foreclosure defense.

Rebuilding After Bankruptcy

creditRebuildIt’s no secret that declaring bankruptcy will negatively and significantly affect your credit score.  This can make it much harder to receive loan approval or a line of credit, or you may be approved but with exorbitantly high rates.  However, just because you’re facing tough financial times, it doesn’t mean you can’t begin to make repairs.

Start off by checking your credit report to ensure that there are absolutely no mistakes and then continue to check it every six months.  You’ll eventually begin to notice as bankruptcy items drop off and if they don’t, then take the proper steps to rectify any mistakes by contacting the credit company in writing via certified mail.

Consider applying for secured credit cards as these are intended to assist in rebuilding your credit.  Unlike a traditional credit card, secured cards require making a deposit and are used like debit cards.  Therefore, the more money you can put down will translate to a higher line of credit, gradually boosting your credit score.  Always remember to use these credit cards wisely.

The last thing you want to do when emerging from bankruptcy is to fall back into your old habits that may have played a role in having to declare bankruptcy.  Use your credit cards sparingly to build your credit.  If you can’t pay off the full balance of your credit card at the end of the month, then don’t use the card.

These financial tips are provided to you by Fort Lauderdale bankruptcy attorney Bigge & Rodriguez, P.A.  If you need a Fort Lauderdale bankruptcy lawyer or have questions about Chapter 7 or 13 bankruptcy, call 954.400.7322 to speak with us.  We also specialize in foreclosure defense.

Money Tips for Couples

coupleMoneyAre you planning on getting married anytime soon?  Discussing money before marriage is something of an unofficial taboo, but it’s important to share your financial philosophies with your future spouse.  Many marriages experience friction due to arguments regarding finances, so it’s worth being on the same page when it comes to money management. You should always know who you are marrying.  You may be aware of a person’s personality, but it’s also important that you know how your financial outlook differs.  You may prefer to save as much as possible while your partner is more of a spender.  Knowing this upfront can help prevent problems later on in the relationship. Decide on a bill plan.  Your partner may prefer to take care of all the bills, you may prefer to keep receipts, establishing a mutually agreeable financial plan is key to avoiding money disagreements.  You may also wish to plan ahead and consider updating your insurance plan or setting up a living will that lists your loved one as a beneficiary in the event of unforeseen circumstances. On that note, always be honest and speak kindly when discussing money issues.  Your partner may not be as knowledgeable when it comes to proper money management as you are, so instead of pointing fingers, use the opportunity to grow and work together towards securing your financial future together. These financial tips are provided to you by Fort Lauderdale bankruptcy attorney Bigge & Rodriguez, P.A.  If you need a Fort Lauderdale bankruptcy lawyer or have questions about Chapter 7 or 13 bankruptcy, call 954.400.7322 to speak with us.  We also specialize in foreclosure defense.

Another Year of Bankruptcy Declines

bankruptcyDeclineWe have some good news to report in regards to bankruptcy today.  Bankruptcy filings saw another consecutive year of decreases, dropping by just over eleven percent compared to January 2015.  The consecutive decline represents the fifth straight year that filings have been on a downward trend since 2011 when the record total was 201,838 filings.  The declines represent a sharp drop of almost fifty percent.

The state of Florida came in fourth in the total amount of bankruptcy filings with 3,439, well behind California which reported the most at just over 5,000 filings.  Tennessee came in sixth place in the total number of cumulative bankruptcies in the nation.  The states with the lowest cumulative bankruptcies in January were from Alaska which came in at number one followed by the District of Columbia, Vermont, North Dakota, and Montana, representing the top five lowest.

Despite the declines, there were a couple of states that did report considerable increases in year over year bankruptcies.  Despite the small size of Delaware, the state saw a sharp increase of nearly 55 percent compared to January 2015 with 238 bankruptcies.  Other states that saw increases include Wyoming, New York, and Connecticut, though these increases were not quite as high, all of them being less than twenty percent.

These financial tips are provided to you by Fort Lauderdale bankruptcy attorney Bigge & Rodriguez, P.A.  If you need a Fort Lauderdale bankruptcy lawyer or have questions about Chapter 7 or 13 bankruptcy, call 954.400.7322 to speak with us.  We also specialize in foreclosure defense.

Understanding the New Federal Bankruptcy Forms

bankruptcyLast year we discussed the changes being made to the federal bankruptcy forms, designed to make the paperwork much easier to understand.  The changes officially went into effect on December 1st but there may still be some lingering questions about why they were changed in the first place or how they may affect the filing of a case.  Let’s shed some light. Changes to the bankruptcy forms were being discussed as far back as 2008 and came about after a decade of no updates or changes to the forms.  The economic environment has rapidly changed within the past ten years which required making much needed changes to ensure fairer rulings. The new forms have been radically changed and are intended to be much easier to understand with improved readability and visual cues designed to highlight key sentences or bold some of the more important parts.  The legal jargon has also been changed to make the forms more conversational and accessible to readers beyond just bankruptcy attorneys. Filers should be aware that the grace period in using the new forms has since ended.  Though filers can still complete and file the old forms without a court clerk's rejection, a judge may choose to reject the filing because of the improper forms and will require a resubmission using the new forms. These financial tips are provided to you by Fort Lauderdale bankruptcy attorney Bigge & Rodriguez, P.A.  If you need a Fort Lauderdale bankruptcy lawyer or have questions about Chapter 7 or 13 bankruptcy, call 954.400.7322 to speak with us.  We also specialize in foreclosure defense.

Changing Your Lifestyle After Bankruptcy

bankruptcyChangesThere is a certain sense of liberty that comes with filing for bankruptcy and completing the process, knowing you now have a clean slate to start fresh and make better decisions as you rebuild your financial future.  There are significant changes that need to be adopted in your lifestyle following bankruptcy, here are a few to consider.

It's very tempting to slip back into old habits following bankruptcy like eating out too much or going over your entertainment budget.  You should take the time to sit down and figure out how to live within your means.  Decrease payments where possible and get rid of payments that you don't need.

Stay away from using money that you don't have.  In other words, learn to pay for most, if not all things in cash.  Take out a certain amount from your paycheck that you can set aside as spending money.  Having the cash on hand will allow you to take a moment and determine what you have to spend.  Having available cash also reduces the odds of feeling tempted to swipe your card.

Prioritizing prompt bill payments, creating a budget that is feasible and you can stick to, and making efforts to put aside money towards your savings—however small—are all positive lifestyle changes.

These financial tips are provided to you by Fort Lauderdale bankruptcy attorney Bigge & Rodriguez, P.A.  If you need a Fort Lauderdale bankruptcy lawyer or have questions about Chapter 7 or 13 bankruptcy, call 954.400.7322 to speak with us.  We also specialize in foreclosure defense.

Financial Preparations for 2016

2016resolutionDecember is here and 2015 will soon be coming to a close.  Depending on what your financial plans are, you may be considering starting 2016 with a fresh slate, free of the financial situation you may be currently facing.  Some goals may include finally being able to put aside money for retirement, for example.  Regardless of your plans, here are a few ways to make the new a more hopeful and inspiring one.

If you're looking to become debt free, it's wise to be proactive. The sooner you can start bankruptcy counseling, the quicker you can determine what your best options are and determine whether or not bankruptcy is the best option.  The sooner you file, the more time you have to develop a new budget and financial plan to manage your debt while seeing some of these debts discharged before the new year.

Practically everyone makes new year resolutions, why not come up with some that can help you remain focused on your personal or financial goals?  For example, you may wish to travel more.  Travel requires a significant amount of money so you could, for instance, decide to make a resolution where five percent of your paycheck will be put into a travel fund.  By relating your resolutions with your financial goals, there are fewer odds of feeling trapped or worried about your finances.

This bankruptcy update is provided to you by Fort Lauderdale bankruptcy attorney Bigge & Rodriguez, P.A.  If you need a Fort Lauderdale bankruptcy lawyer or have questions about Chapter 7 or 13 bankruptcy, call 954.400.7322 to speak with us.  We also specialize in foreclosure defense.

Bankruptcy and Homeownership

homeownershipWhen dealing with bankruptcy, homeownership is part of the process.  If someone is filing for bankruptcy, chances are they cannot make the monthly mortgage payments.  However, if a debtor misses a payment, they do not have the option to surrender their home as a means of making up for the missed payments, even if a creditor fails to bring these missed payments to the attention of the court.

There is some indecision among courts as to whether or not a debtor can unilaterally choose to give up their home to satisfy a debt during the pendency of the bankruptcy plan when they originally agreed to keep the home and make payments. Some courts argue this should not be considered an acceptable “modification” of the plan under the Bankruptcy Code.

With a Chapter 13 bankruptcy plan, a debtor is allowed to keep their home and other property by continuing to make payments based on the terms of the plan.  If, for example, a debtor decides to make particular plan payments to a bankruptcy trustee but also to a mortgage loan servicing company, the situation can become more complicated if the debtor happens to miss payments.

Chapter 13 bankruptcy is one example of the types of bankruptcy options available if you plan on filing.  Because of situations like this one, it's always best to have a knowledgeable bankruptcy attorney work with you to make the process as smooth as possible.

This bankruptcy update is provided to you by Fort Lauderdale bankruptcy attorney Bigge & Rodriguez, P.A.  If you need a Fort Lauderdale bankruptcy lawyer or have questions about Chapter 7 or 13 bankruptcy, call 954.400.7322 to speak with us.  We also specialize in foreclosure defense.

All about the New Bankruptcy Forms

bankruptcyEvery year, changes and additions are made to the way bankruptcy cases are handled, dictated by a set of rules stated in the Federal Rules of Bankruptcy Procedure.  These changes are devised by an advisory committee consisting of individuals like bankruptcy attorneys and federal judges.  In some cases, changes are also made to the official forms used when filing for bankruptcy.  In fact, this year the majority of them will be revised, renumbered and reformatted starting on December 1st.

These new forms are part of a modernization effort that started back in 2008.  The intent is to improve the forms and the interface between them and current technology.  Some of the new features or additions to these forms include a separate case opening form for individuals and a new form for non-individual debtors.  The individual debtor form will also be used for married debtors while business entities would be the only ones using the non-individual form.  This particular form reflects the way a business manages its financial records.

There is some concern that these new easier to use forms would lead to a potential increase in pro se filings, but there are warnings within these forms designed to deter such filings.  They do however remain a potential issue.  A pro se filing describes a bankruptcy filing without an attorney.

This bankruptcy update is provided to you by Fort Lauderdale bankruptcy attorney Bigge & Rodriguez, P.A.  If you need a Fort Lauderdale bankruptcy lawyer or have questions about Chapter 7 or 13 bankruptcy, call 954.400.7322 to speak with us.  We also specialize in foreclosure defense.

What Defines Fraud?

bankruptcyFraudFraud is not something all that unusual in bankruptcy filings as many people do try and defraud their creditors.  Since the fresh start of bankruptcy isn't available in such a scenario, the question then becomes: how is fraud defined?  An upcoming Supreme Court case will be evaluating that very question.

The case in question involves an individual whose company purchased over $1000,000 worth of goods from an electronics company over a span of four years.  The company never paid for the goods, and the individual funneled over $1 million of the company's funds to other companies under his control. The electronics company sued to make the individual liable for the debt, but before a judge could rule, the person filed for chapter 7 bankruptcy. Using the court’s protection, the individual sought to relieve himself of the debt his company owed to the electronics company.

Current bankruptcy laws state that debtors who owe money obtained under “false pretenses”, “false representation” or “actual fraud” are still liable for their debts.  While these terms seem fairly self explanatory, appeals courts are actually having trouble figuring out how to interpret them.  One circuit, for example, interpreted “actual fraud” as when a debtor obtains money through a scheme with intentions of scheming creditors. Another appellate court, however, ruled that it is not “actual fraud” unless a debtor is genuinely lying to a creditor.  It will now be up to the Supreme Court to figure out these narrow and broad definitions and determine when debts can be erased or if they need to be dealt with in bankruptcy.

This bankruptcy update is provided to you by Fort Lauderdale bankruptcy attorney Bigge & Rodriguez, P.A.  If you need a Fort Lauderdale bankruptcy lawyer or have questions about Chapter 7 or 13 bankruptcy, call 954.400.7322 to speak with us.  We also specialize in foreclosure defense.

Bankruptcy and Co-Signers

cosignerHaving a co-signer can be tremendously beneficial when you're applying for a loan.  It can often help you if your credit score is low or if you're just starting to build your credit.  With that in mind, a co-signer is placing him or herself at risk, especially if the other person runs into money troubles.  What happens if a co-signer ultimately decides to file for bankruptcy?

In a Chapter 13 bankruptcy, an individual is allowed to develop a repayment plan, which specifically addresses the co-debtor or co-signer, protecting them and ensuring that creditors cannot negatively affect the other person involved.  If the co-signer filed for Chapter 13 bankruptcy and you're not being allowed to make payments, you may have some legal claim leeway.  A Chapter 7 bankruptcy, on the other hand, makes things trickier as protection of third-party guarantors is not always allowed.

Should a co-signer file for bankruptcy, it's essential that you keep an eye on your credit report. If the account shows up as being included in bankruptcy, then you may wish to dispute this and make it a point that bankruptcy was not in fact declared.  If the report does not show a bankruptcy public record in the report, the account's bankruptcy status can be removed.

This bankruptcy update is provided to you by Fort Lauderdale bankruptcy attorney Bigge & Rodriguez, P.A.  If you need a  or have questions about Chapter 7 or 13 bankruptcy, call 954.400.7322 to speak with us.  We also specialize in foreclosure defense.