Business Bankruptcy Options for Business Owners

Did you know that the average business lasts about ten years? When businesses reach this milestone, the owners must determine whether the company has a chance of surviving the next decade. It may be an option to file for bankruptcy, but this isn't always as bad as it sounds. When a business files for bankruptcy, many think it means they…

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Ready to start saving 10% of your income?

Ready to start saving 10% of your income? Need a Certified Financial Planner(“CFP”)? By Ryan J. Really  www.getreallylegal.com  Attorney -Teacher- Veteran   There is so much to discuss about Certified Financial Planners (“CFP”) that cannot be covered in one article. Here is some background to help get you started in the “systematic savings” game. You can always switch CFPs later. Congratulations…

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How Does Bankruptcy Help You Handle Small Business Debts?

The coronavirus pandemic has decimated businesses nationwide. Unsurprisingly, small businesses are among the hardest hit. Many small business owners have chosen to close their doors rather than continue to struggle. Among those determined to stay in business, bankruptcy rates have gone up by around 40 percent.  Filing for bankruptcy can be a high-impact way to manage small business debts. It…

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Bankruptcy Options For Homeowners

Although a federal appeals court recently took away one of the options for homeowners in bankruptcy, a number of good alternatives exist for distressed homeowners looking for refuge. In Failla v. Citibank, the Eleventh Circuit Court of Appeals, which includes Florida, Georgia, and Alabama, ruled that homeowners who surrender their houses in bankruptcy cannot contest subsequent foreclosure proceedings in state court. In…

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The One Page Resume

“The Resume Gets You the Interview and the Interview Gets You the Job.” -Ryan Really Truth be told, my most recent one-page resume still has WordPerfect keystrokes on it from college in 1991.  I am afraid to scrap it as it has always been an effective resume getting me interviews most of the time.   Sometimes you will need a…

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Frequently-Asked Bankruptcy Questions

How will I know when I need to file bankruptcy? You will be overwhelmed by debt and unable to reduce your debts at a reasonable pace.  You may have lawsuits filed against you, and garnishments against your wages, tax refunds, and even bank accounts. Your assets may be threatened with seizure. You may have a lien against your house. Creditors…

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Chapter 7 Bankruptcy in a Nutshell

Bankruptcy laws provide individuals with two main avenues to debt relief: Chapter 7 and Chapter 13. Chapter 7 bankruptcy, also called liquidation or straight bankruptcy, is the type of bankruptcy filed by most people. Chapter 7 bankruptcy discharges or eliminates the most common types of debt that cause problems for consumers such as credit card debt, personal loans, utility bills,…

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What to Know About Florida Bankruptcy Exemptions

As in many states, Florida employs a list of exemptions that can protect your property when you file for bankruptcy. Which bankruptcy chapter you file under, either Chapter 7 or 13, will determine what happens to any nonexempt property you hold. Under Chapter 7 bankruptcy, a bankruptcy trustee will sell all nonexempt property and distribute the profits to creditors. Under Chapter 13 bankruptcy, while…

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Does Bankruptcy Eliminate All of My Debts?

For many people, discharging debt is a primary goal of bankruptcy. However, you may be wondering, “Does bankruptcy clear all debt?” The answer is, it depends. Read below to learn more about what types of debt can be eliminated in bankruptcy. For more information about your specific situation, contact Ryan J. Really, Attorney at Law, PLLC.   What Is Debt Discharge?…

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Ava Maria FL Bankruptcy Attorney

Life is full of unexpected problems. When a sudden disability, divorce or job loss leaves you hemorrhaging money, your unpaid bills continue to pile higher and higher. With your financial future on the line, a fresh financial start may seem impossible. However, filing for bankruptcy may bring you that much needed relief. With an experienced Ava Maria FL bankruptcy attorney at your side, you…

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