Posted by Walter Benenati | Benenati Bankruptcy
The thought of debt collectors repeatedly calling your house or trying to track you down at your job, can be frightening for anyone. But many times, it is the fear of the unknown that makes people so nervous about debt collection. It helps to understand what to expect and what rights you have as a …
Continue reading "What to Expect When Your Debt Goes to Collection"
Read MorePosted by Walter Benenati | Benenati Bankruptcy
The road to bankruptcy is a difficult one for most individuals. Finally coming to the realization can seem like a personal failure, due to the false stigma surrounding bankruptcy. This is oftentimes what keeps people from filing for bankruptcy. In a recent blog, I shared my own personal bankruptcy story, and the day I became true with myself …
Continue reading "New Study Reveals Waiting to File Bankruptcy Can Hurt You"
Read MorePosted by Walter Benenati | Benenati Bankruptcy
Continuous communications from debt collectors can be overwhelming and annoying, but at what point is the communication considered harassment? Debt collection harassment is more common than you might think. In fact, a recent study by the Consumerist found that one-in-four consumers – or 27 percent – felt threatened by debt collectors for outstanding bills or loans they …
Continue reading "What Constitutes Harassment by a Debt Collector?"
Read MorePosted by Walter Benenati | Benenati Bankruptcy
What is going on? I conduct free consultations from my offices in Orlando and Kissimmee and in maybe 3 out 5 cases, my client has a personal loan with some company. These companies have several different names: Sofi, New Egg, Lending Club, On Deck Capital, Mariner Finance, Kabbage, Avant, One Main, Wells Fargo, Discover, and …
Continue reading "Understanding the Dangers of Personal Loans"
Read MorePosted by Walter Benenati | Benenati Bankruptcy
Almost four million people who bought homes and took out home-equity lines of credit between 2005 through 2008 are about to go into the repayment period. Right now you may have just been paying intSomething Wicked This Way Comes – HELOC Reset Almost four million people who bought homes and took out home-equity lines of …
Continue reading "Something Wicked This Way Comes – HELOC Reset"
Read MorePosted by Walter Benenati | Benenati Bankruptcy
In my practice as an Orlando bankruptcy lawyer, I get this question in nearly every consultation in my office. The question is, “Can I get rid of my student loans in a bankruptcy?”. The answer is not so simple. It’s not yes and it’s not no. Lawyers love to say, “it depends.” In this case, …
Continue reading "Are Student Loans Dischargeable in a Bankruptcy?"
Read MorePosted by Walter Benenati | Benenati Bankruptcy
Can I file for bankruptcy more than once? Many people are surprised to learn that they can file for bankruptcy more than once. In fact, there are no limits placed on the number of times you can file for bankruptcy. However, there are limits that apply to how often you can receive a discharge of …
Continue reading "Can I file for bankruptcy more than once?"
Read MorePosted by Walter Benenati | Benenati Bankruptcy
Tips for Rebuilding Credit After Bankruptcy Filing for bankruptcy allows you to press the restart button on your finances. Whether you filed for Chapter 7 bankruptcy (a simple and straightforward elimination of your unsecured debts) or a Chapter 13 bankruptcy (a structured repayment plan approved by the bankruptcy court), you can begin restoring your credit immediately after receiving your …
Continue reading "Tips for Rebuilding Credit After Bankruptcy"
Read MorePosted by Walter Benenati | Benenati Bankruptcy
Is There a Limit to How Much Debt I Can Wipe Out in a Chapter 7 Bankruptcy? Every bankruptcy situation is different. Many of our clients come into the process with enormous amounts of debt while others do not. Clients often ask us, is there a limit as to how much debt I can wipe …
Continue reading "Is There a Limit to How Much Debt I Can Wipe Out in a Chapter 7 Bankruptcy?"
Read MorePosted by Walter Benenati | Benenati Bankruptcy
The saying goes that if it sounds too good to be true, it often is. This sentiment could not be truer than with debt settlement and debt relief companies. If someone is facing debt collection, he or she is likely to take any help that is offered. And these type companies know it; they prey …
Continue reading "The Dangers of Debt Settlement and Debt Relief Companies"
Read More