The word “bankruptcy” has a very negative connotation and many people shy away from speaking about it. Unfortunately it is much more common than people would like to admit. Bankruptcy can apply to businesses and individuals. While bankruptcy is never the first option, it is an option that should be considered when there is no other way out of financial danger. Bankruptcy law is one of the most…Read More
Filing for bankruptcy can be incredibly complicated for anyone that is not familiar with bankruptcy law. Many lawyers recognize bankruptcy as the most complicated area of law. Bankruptcy law is incredibly complicated because it involves international, domestic, state, and federal laws. A bankruptcy attorney is a lawyer with experience and expertise within bankruptcy law. Heading into bankruptcy pr…Read More
Many individuals have spent years saving money to use when they are finally ready to retire. These 401(k) accounts remain untouched and sitting in a bank ready for use later in life. Starting over after filing for bankruptcy is hard enough without having to restart a retirement savings account. Watching your 401(k) plan disappear into the hands of a creditor can be a huge hit to an individual. Ma…Read More
Student loans have become one of the hottest debt-topics over the last few years. Hundreds of thousands of young Americans are struggling to pay off their hefty student loans. With the job market being as difficult as it is, more college graduates are defaulting on their student loans. Unfortunately student loans are known as “good debt” which makes them difficult to get discharged. An experie…Read More
Filing for bankruptcy is undoubtedly one of the toughest decisions that an individual will make. Those who file for bankruptcy are not alone. Prior to actually filing the paperwork for chapter 7 or chapter 13 bankruptcy, the proper steps should be taken. Bankruptcy is not something that should, or can, be done on a whim. One of the first steps is finding the right bankruptcy attorney in Sarasota,…Read More
Bankruptcy law can be incredibly complicated to the layperson. When you are ready to file for bankruptcy it is always a good idea to hire a bankruptcy attorney. Many times bankruptcy cases are dismissed from court due to incorrect filing, missed steps, or negligible mistakes. Galarza Law Firm can make sure that navigating the bankruptcy process is a breeze. Unfortunately, attorneys can be quite…Read More
When you and your family are facing the possibility of losing your home it can be incredibly stressful. Many people are upside down on their mortgage. With a tough job economy families may be facing foreclosure if they have recently lost a job, or are having difficulty making the increasing mortgage payments. Loan modifications may not have helped get your payments under control. If you have exha…Read More