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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 ...

• Do These Questions Sound Like You?
  Do These Questions Sound Like You? Are you or someone you love having their home foreclosed on? ...
• What Are Your Options?
  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 ...
• Thinking About Filing Bankruptcy?
  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 ...
• So You Think Only Loosers File For Bankruptcy?
  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 ...
• Chapter 7 Bankruptcy
  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 ...

• Filing A Chapter 7 Bankruptcy
  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. ...
• What Is The "Means Test ?"
  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 ...
• Misunderstandings About Chapter 7 Bankruptcy
  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 ...

• Chapter 13 Bankruptcy
  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 ...

• Chapter 13 Bankruptcy Is Not For Everyone!
  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 ...
• Is Chapter 13 Bankruptcy An Option For You?
  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 ...
• What Will A Chapter 13 Bankruptcy Accomplish?
  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 ...

• Florida And Bankruptcy Laws
  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 ...
• File For Bankruptcy In Florida Blog
• Debt Negotiation
  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 ...

• Beware Of Debt Settlement Companies
  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 ...
• What Types Of Debts Do We Negotiate?
  What Types Of Debts Do We Negotiate? We negotiate all kinds of unsecured debts including, but not limited to: collections charge-offs ...
• What Types Of Debts Do We Not Negotiate?
  What Types Of Debts De We Not Negotiate? We do not negotiate the following kinds of debts: taxes ...
• What About Mortgages?
  What About Mortgages? We will provide negotiation and mediation services for mortgages that are in pre-foreclosure.
• What About Cars and Boats?
  What About Cars And Boats? We will provide negotiation services for car or boat loans on a case by case basis. ...
• What Does It Cost For Debt Negotiation?
  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 ...
• How Does Debt Negotiation Work?
  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 ...
• What If I Sign Up For Debt Negotiation And It Doesn't Work?
  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 ...

• Frequently Asked Questions
  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 ...

• What is the Purpose of Bankruptcy
  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 ...
• Are There Different Types of Bankruptcy
  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 ...
• What is a Chapter 7 Bankruptcy
  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 ...
• What is a Chapter 11 Bankruptcy
  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 ...
• What is a Chapter 12 Bankruptcy
  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 ...
• What is a Chapter 13 Bankruptcy
  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 ...
• Should I File for Bankruptcy
  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 ...
• What Are My Options For Filing For Bankruptcy in Florida
  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 ...
• Will Everyone Know That I Filed for Bankruptcy
  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 ...
• What Are the Advantages to Bankruptcy
  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 ...
• Will I Lose Everything I Own if I File For Bankruptcy
  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 ...
• If I File for Bankruptcy, Will I Ever Be Able to Get Credit Again
  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 ...
• Which is the Best Option, Chapter 7 or Chapter 13
  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 ...
• How Would I Know if Chapter 7 Bankruptcy is Right for Me?
  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 ...
• Am I Eligible for Chapter 7 Bankruptcy
  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 ...
• Can I Keep Property if I Declare Bankruptcy?
  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, ...
• Does Filing for Bankruptcy Mean That I Am a Failure
  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 ...
• If I Filing for Bankruptcy Am I a Bad Person?
  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 ...
• How Long Will a Bankruptcy Effect My Credit?
  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 ...
• My Spouse is Declaring Bankruptcy Should He/She File Alone or Together?
  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 ...
• How Hard is it to File for Bankruptcy?
  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 ...
• Will Bankruptcy Stop My Creditors From Harrassing Me?
  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 ...
• What Happens to My Federal Tax Debts?
  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 ...
• How Often Can I File for Bankruptcy?
  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 ...
• Can I Choose Which Debts and Property Will Be Listed in My Bankruptcy?
  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 ...
• How Long Do I Have to Wait to Rebuild My Credit?
  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 ...
• How Long Does it Take Before My Debt is Discharged?
  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 ...
• How Long Until My Credit Gets Back to the Point Where I Might Hope to Get a Regular Credit Card or Mortgage?
  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 ...
• So I Exempted My Vehicle, What Happens to it?
  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) ...
• What Does Reaffirm Mean?
  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 ...
• Does My Personal Bankruptcy Affect My Corporation?
  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 ...
• Can I File a Personal Chapter 11 Bankruptcy?
  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 ...
• Do I Have to Appear Before a Bankruptcy Judge?
  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 ...
• What is the Trustee's Job?
  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 ...
• What if I Want to Keep Some Non-Exempted Assests?
  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 ...
• If I Change My Mind After Filing for Bankruptcy Can I Get Out or Stop the Bankruptcy?
  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 ...
• After I File for Bankruptcy Can I Still Workout the Non-Exempted Assets?
  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. ...
• What Does it Mean When a Trustee Abandons Property?
  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 ...
• I Thought Bankruptcy Stopped Foreclosure?
  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 ...
• What Are the Reasons a Judge Would Allow Creditors to Take My Home After I Have Filed for Bankruptcy?
  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 ...
• What if I Can't Make Any Payments, Should I File Chapter 13 Bankruptcy or Chapter 7 Bankruptcy?
  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 ...
• Should I Leave Some Debts Out of My Bankruptcy?
  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 ...
• Can I Change From a Chapter 13 Bankruptcy to a Chapter 7 Bankruptcy or Vice Versa Later?
  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 ...
• Can I Keep My House, Cars, Or Pets If I File For Bankruptcy?
  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. ...
• What if I Run Out of Exemptions but Still Want to Keep Some Items?
  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 ...
• Does My Spouse and I Have to File for Bankruptcy Jointly?
  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 ...
• If Only My Spouse Files for Bankruptcy, What Am I Liable for and What Happens to My Credit?
  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, ...
• Can All of My Debts Be Discharged in Bankruptcy?
  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. ...
• What Debts Cannot Be Discharged in Bankruptcy?
  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 ...
• Can the Creditor Ask to Have Me Reaffirm the Debt?
  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 ...
• I Am Having Problems Paying My Bills, Should I Consider a Payday Loan?
  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 ...
• What is Equitable Distribution?
  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 ...
• Is Debt Negotiation an Option for My Situation?
  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 ...
• What if I Don't Have Money Right Now for Debt Negotiation?
  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 ...
• Which Debts Should Be Settled First?
  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 ...
• What Are Other Issues Related to Debt Negotiation That I Should Know About?
  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 ...
• What Are Your Bankruptcy Fees And Costs?
  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 ...

• Attorney Profiles
  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 ...
• Free Special Report - Dealing With Financial Hardship
  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 - ...
• Contact Us
  Contact Us Contact Name: Matthew Mazur, P.A. Contact Telephone: (305) 779-4805 Address: ...
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• New Client Interview
  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 ...
• Terms Of Use
  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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