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After I File For Bankruptcy Can I Still Workout The Non-Exempted Assets? A. In Chapters 11 and 13 you may negotiate with your creditors out of court. ...
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Am I Eligible For Chapter 7 Bankruptcy? A. Florida places restrictions on who may file for straight bankruptcy through Chapter 7. They use a median income test to ...
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Are There Different Types of Bankruptcy? A. Yes, and they are known by the title of the Chapter of the Federal Bankruptcy Act in which they appear. Each ...
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Matthew E. Mazur, Jr., Esq. Born March 8, 1972, Goshen, New York University of Miami, BBA, 1994 Juris Doctor University of Miami School of Law 1998 (cum laude) Florida ...
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Beware Of Debt Settlement Companies! Beware of the debt settlement/negotiation companies that offer huge reductions in your debt and want you to pay them directly instead of your ...
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Can All Of My Debts Be Discharged In Bankruptcy? A. No. There are exemptions and depending on your circumstances bankruptcy may or may not make sense for you. ...
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Can I Change From A Chapter 13 Bankruptcy To A Chapter 7 Bankruptcy Or Vice Versa Later? A. Yes, it's called "motion to convert" and can be ...
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Can I Choose Which Debts And Property Will Be In The Bankruptcy? A. No. It is against the law. Under the Bankruptcy code, when you file for ...
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Can I File A Personal Chapter 11 Bankruptcy? A. Individuals may file for Chapter 11 in some circumstances. Return to Frequently Asked Questions If you have any questions that were not ...
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Can I Keep My House, Cars, Or Pets If I File Bankruptcy? A. After filing you can exempt certain items such as a house or pedigree dog. ...
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Can I Keep Property If I Declare Bankruptcy? A. It depends. Florida does allow you to keep alimony and child support money, proceeds from life insurance or retirement, ...
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Can The Creditor Ask To Have Me Reaffirm The Debt? A. Yes, this means that the creditor is asking that the debtor pay the debt anyway, even after ...
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Chapter 13 Bankruptcy A Chapter 13 Bankruptcy, also known as a "reorganization," is basically a court ordered payment plan for your creditors. Under a Chapter 13 Bankruptcy you ...
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Chapter 13 Bankruptcy Is Not For Everyone! A Chapter 13 Bankruptcy is not for everyone. Typically people that are current on their credit cards and have a little ...
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Chapter 7 Bankruptcy A Chapter 7 bankruptcy, also known as a "Straight Bankruptcy" or a "Liquidation Bankruptcy" allows you to discharge your debts. What does "discharge" mean? Quite ...
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Contact Us Contact Name: Matthew Mazur, P.A. Contact Telephone: (305) 779-4805 Address: ...
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Debt Negotiation Debt Negotiation is the process whereby the attorneys at Matthew Mazur, P.A. attempt to negotiate a client's unsecured debt to a payoff balance that ...
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Do I Have To Appear Before A Bankruptcy Judge? A. No, you will meet with a trustee and your creditors at a meeting called 341. Return to Frequently Asked ...
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Do These Questions Sound Like You? Are you or someone you love having their home foreclosed on? ...
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Does Filing For Bankruptcy Mean That I Am A Failure? A. Not at all. Filing bankruptcy shows that you are acting responsible. Everone wants to pay their bills ...
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Does My Personal Bankruptcy Affect My Corporation? A. No. But your shares go to the trustee and may restrict your voting and transferring privileges. Return to Frequently Asked Questions If you ...
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Does My Spouse And I Have To File For Bankruptcy Jointly? A. The decision to file individually or together depends on your situation. For instance, if only ...
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Filing A Chapter 7 Bankruptcy A bankruptcy starts with the filing in the bankruptcy court of an official petition and a lengthy document called a Statement of Financial Affairs. ...
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Florida And Bankruptcy Laws In Florida bankruptcy is governed by federal bankruptcy laws, including the Federal Bankruptcy Act of 2005, which requires individuals seeking bankruptcy to ...
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Free Special Report ARE YOU DEALING WITH FINANCIAL HARDSHIP? ARE YOU CONTEMPLATING BANKRUPTCY? ARE YOU LOOKING FOR ALTERNATIVES TO BANKRUPTCY? THEN REQUEST A FREE SPECIAL INFORMATIONAL REPORT: DEALING WITH FINANCIAL HARDSHIP - ...
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Frequently Asked Questions Below are some common questions that clients have when they initially contact Matthew Mazur, P.A. The questions below may address many of your ...
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Helping families deal with financial hardship and rebuild their financial future is what we do at Matthew Mazur, P.A. Contact us today and take the first step ...
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How Does Debt Negotiation Work? A client retains Matthew Mazur, P.A. to represent them in a debt negotiation with their creditors that are owed past due ...
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How Hard Is It To File For Bankruptcy? A. If you want to file for bankruptcy on your own, I wish you the best of luck. Make sure ...
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How Long Do I Have To Wait To Rebuild My Credit? A. You can rebuild your credit immediately with a secured loan or credit card. In fact ...
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How Long Does It Take Before My Debt Is Discharged? A. Chapter 7 takes between 3 to 8 months. Chapter 13 can take several months while trying to ...
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How Long Until My Credit Gets Back To The Point Where I Might Hope To Get A Regular Credit Card And Mortgage? A. Rebuilding credit depends on ...
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How Long Will Bankruptcy Effect My Credit? A. A bankruptcy will be on your credit report for up to ten years. More likely than not, if you are ...
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How Often Can I File For Bankruptcy? A. Under Chapter 7 you can file once ever eight years. If you have previously filed a Chapter 13 and received ...
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How Would I Know If Chapter 7 Bankruptcy Is Right For Me? A. If you have very few assets with no property and your assets can be ...
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I Am Having Problems Paying My Bills, Should I Consider A Payday Loan? A. A pay day loan seems like an easy solution to your problem, but ...
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I Thought Bankruptcy Stopped Foreclosure? A. When you file Bankruptcy, you receive an "automatic stay" on court actions such as foreclosures and sheriff's sales. A creditor can still go ...
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If I Change My Minde After Filing For Bankruptcy, Can I Get Out Of Or Stop The Bankruptcy? A. Only the judge will decide if it may ...
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If I File For Bankruptcy, Will I Ever Be Able To Get Credit Again? A. Yes, and they are known by the title of the Chapter of ...
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If I File For Bankruptcy Am I A Bad Person? A. Filing bankruptcy gets rid of certain debt. Getting rid of these debts will free up money ...
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If Only My Spouse Files For Bankruptcy, What Am I Liable For And What Happens To My Credit? A. As long as there was no joint debt, ...
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Is Chapter 13 Bankruptcy An Option For You? A Chapter 13 Bankruptcy may be the right option for you if you are behind on your bills ...
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Is Debt Negotiation An Option For My Situation? A. It depends upon what you want to do and what access you have to money to settle your ...
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Misunderstandings About Chapter 7 Bankruptcy A lot of people have the misunderstanding that they will never be able to buy a home again if they file ...
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My Spouse Is Filing For Bankruptcy Should He/She File Alone Or Together? A. Whether married couples should file a joint petition or a single one depends on various ...
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New Client Interview If you have spoken with an attorney at our firm, and have been asked to complete our on-line new client interview form, please click on ...
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Should I File For Bankruptcy? A. Nobody can tell you whether or not bankruptcy will work for you. However, the Florida bankruptcy attorneys at Matthew Mazur, P.A. can ...
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Should I Leave Some Debts Out Of My Bankruptcy? A. No, you should include all debts. Return to Frequently Asked Questions If you have any questions that were not answered ...
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So I Exempted My Vehcile, What Happens To It Now? A. You didn't actually exempt the vehicle (or any asset) you really only exempted the equity (if any) ...
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So You Think Only Loosers File For Bankruptcy? Bankruptcy is available to everyone in the United States who wants protection from their creditors. Even current and ...
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Terms Of Use The selection of a lawyer should not be based solely on an advertisement. By creating this website, Matthew Mazur, P.A. does not intend to practice law ...
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Thinking About Filing Bankruptcy? There are many people right now sitting where you are, thinking about filing bankruptcy. You are not alone. Financial difficulties can happen anytime for any ...
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What About Cars And Boats? We will provide negotiation services for car or boat loans on a case by case basis. ...
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What About Mortgages? We will provide negotiation and mediation services for mortgages that are in pre-foreclosure.
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What Are My Options For Filing For Bankruptcy In Florida? A. Florida residents have three options when it comes to filing bankruptcy: Chapter 7, Chapter 13 and ...
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What Are Other Issues Related To Debt Negotiation That I Should Know About? A. During the debt negotiation process we negotiate to have your accounts either deleted ...
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What Are The Advantages To Bankruptcy? A. Once discharged through bankruptcy your debts are erased; in other words you are no longer responsible for paying them. Return to Frequently Asked ...
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What Are The Reasons A Judge Would Allow Creditors To Take My Home After I Filed For Bankruptcy? A. You filed a chapter 7. You fail to file ...
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What Are Your Bankruptcy Fees And Costs? We do not advertise our bankruptcy fees on our website, because we do not want them to be used ...
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What Are Your Options? We understand that everybody, not just big corporations and wall street need to get their own "personal bailout" from these hard economic times. What options ...
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What Debts Cannot Be Discharged In Bankruptcy? A. In general:Liens, such as mortgages and security interests in cars are non-dischargeable as are some other types of ...
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What Does It Cost For Debt Negotiation? Our fees for debt negotiation are a two part flat fee, consisting of a Non-Refundable retainer and a flat ...
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What Does It Mean When The Trustee Abandons Property? A. When the liquidation value of an asset cannot pay off the secured creditors, the trustee "abandons" it, or ...
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What Does Reaffirm Mean? A. You become personally liable for the debt again. For instance, in the vehicle example above if you kept the car and made payments ...
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What Happens To My Federal Tax Debts? A. It depends whether you file a Chapter 7 or a Chapter 13. A Chapter 7 debtor can wipe out federal ...
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What If I Can't Make Payments, Should I File Chapter 7 Bankruptcy or Chapter 13 Bankruptcy? A. If you truly cannot make payments on your home or ...
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What If I Don't Have Money Right Now For Debt Negotiation? A. If you do not have all the money needed to pay all of your debts ...
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What If I Run Out Of Exemptions But Still Want To Keep Some Items? A. After all exemptions have been exhausted, you may still be able to ...
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What If I Sign Up For Debt Negotiation And It Doesn't Work? In some situations, no matter how much we try, a client's creditors will not ...
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What If I Want To Keep Some Non-Exemted Assets? A. In most cases, you can buy them back from the trustee. Return to Frequently Asked Questions If you have any questions ...
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What Is A Chapter 11 Bankruptcy? A. Chapter 11 is typically used for business bankruptcies and restructuring. It is not commonly used by individual consumers since it is ...
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What Is A Chapter 12 Bankruptcy? A. Chapter 12 allows farmers with real estate debts to pay off the debts from the profits generated by future crops. Return to Frequently ...
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What Is A Chapter 13 Bankruptcy? A. Chapter 13, which has also been known as a wage earner's plan, is used by about 25% of consumers. In Chapter ...
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What Is A Chapter 7 Bankruptcy? A. Chapter 7 is the most frequently used chapter because it involves the complete liquidation of a debtor's property, with the proceeds ...
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What Is "Equitable Distribution?" A. Most states employ "equitable distribution" in dividing marital (community) property as a result of the dissolution of marriage (divorce). Instead of a strict ...
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What Is The "Means Test?" When the Bankruptcy Code changed in 2005 a test, the "Means Test" was added to determine if you would qualify for ...
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What Is The Purpose Of Bankruptcy? A. Bankruptcy is designed to help you get out from under the burden of your debts. To protect your property, lower your ...
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What Is The Trustee's Job? A. Find assets with equity, liquidate them and then pay off the secured creditors. If any money is left then they also pay ...
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What Types Of Debts Do We Negotiate? We negotiate all kinds of unsecured debts including, but not limited to: collections charge-offs ...
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What Types Of Debts De We Not Negotiate? We do not negotiate the following kinds of debts: taxes ...
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What Will A Chapter 13 Bankruptcy Accomplish? If Successful, a Chapter 13 Bankruptcy will require your creditors to take less money monthly over a three to ...
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Which Debts Should Be Settled First? A. Usually the best debts to settle first are the ones with higher interest rates. However, if you are behind on any ...
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Which Is The Best Option, Chapter 7 Bankruptcy Or Chapter 13 Bankruptcy? A. The answer really depends on your financial picture. An individual with serious financial difficulties would ...
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Will Bankruptcy Stop My Creditors From Harrassing Me? A. Yes. The minute your bankruptcy is filed, the Bankruptcy Court issues an order called an "Automatic Stay." This order ...
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Will Everyone Know That I Filed For Bankruptcy? A. A bankruptcy is a matter of public record. However there are so many filings each year that unless someone ...
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Will I Lose Everying I Own If I File For Bankruptcy? A. Most people who file for bankruptcy do not lose everything. There are exemptions in Florida that ...
