by Robert Stiberman | Dec 4, 2025 | Charged-off Debt, Finances
Key Takeaways “Charged-off” is accounting—not forgiveness. In Florida, collectors generally have up to five years to sue on most debts founded on a written instrument. Filing bankruptcy typically stops lawsuits immediately (automatic stay) and, when the debt...
by Robert Stiberman | Sep 9, 2025 | Bankruptcy, Chapter 13 Bankruptcy, Finances
At a Glance Parking tickets are government fines—a Chapter 7 discharge generally does not wipe them out under 11 U.S.C. § 523(a)(7). In Chapter 13, those civil penalties are often treated as unsecured claims paid through your plan and, in many courts, can be...
by Robert Stiberman | Sep 8, 2025 | Bankruptcy, Finances
At a Glance How to rebuild credit: Pay bills on time, keep balances low, and consider a secured card or credit-builder loan from a Florida credit union. Florida gives you extra rights: State law (FCCPA) goes beyond federal protections when collectors cross the line....
by Robert Stiberman | Sep 5, 2025 | Bankruptcy, Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Finances
At a Glance The Challenge: Paying for a lawyer while in debt feels impossible. Chapter 7: Attorneys usually charge a flat fee before filing, but many offer installment plans. Chapter 13: Fees are often built into the repayment plan, so little or no money may be...
by Robert Stiberman | Aug 28, 2025 | Bankruptcy, Finances, Marriage
At a Glance Do I include spousal income? Yes, but only if you are married and living together. If you maintain separate households, the rule does not apply.Does this make them liable for my debt? No. In Florida, your spouse is not responsible for your separate debts...
by Robert Stiberman | Aug 26, 2025 | Bankruptcy, Finances
At a Glance Answer the phone: Sometimes. If you are still evaluating options, it buys time. If you have decided on bankruptcy, refer them to your attorney. Key phrases to use: “I am experiencing financial hardship,” “Please send information in...
