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Avoid these deadly mistakes in a financial crisis.

Signs you need bankruptcy protection:

You are paying credit with credit. (ie Paying one credit card with another credit card)
You are only making minimum payment on credit card and foregoing basic necessities to do so.
You can’t pay your mortgage because you need the money to pay credit cards.
You are considering a line of credit on your primary residence to pay credit cards. (I’ll explain more later on this).
You are considering taking money out of your retirement account to pay credit cards. (I’ll explain more later on this – NEVER do this).
You are asking friends or relatives for loans to pay credit cards. (You’ll end up losing both).
You are fighting with your spouse, partner or family over credit cards.

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Mortgage Forbearance… Good idea?

A forbearance is an informal agreement between you and the bank where the bank agrees to not collect mortgage payments for a few months and you agree to someday pay these "skipped" payments. In many cases the bank agrees to then consider a payment plan on the...

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Foreclosure Defense Miami Video

Learn About Foreclosure Defense Hello, my name is Diego Mendez. I am a bankruptcy and foreclosure attorney here in Miami, Florida. I’d like to talk to you a little bit about foreclosure. What exactly is a foreclosure? Foreclosure is when you stop paying the home and...

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Child Support, Alimony & Bankruptcy

Are you late on Alimony and Child Support Payments? When filing for divorce many people think about the emotional repercussions, when in actuality there are many financial repercussions as well.  Sometimes the financial distress can out weight the emotional distress...

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Chapter 13 Bankruptcy Lawyer Miami

Learn About Chapter 13 Bankruptcy Hello my name is Diego Mendez. i am a bankruptcy attorney located in Doral, Florida. I am here to talk to you you about chapter 13 bankruptcy. A Chapter 13 bankruptcy is an option for people who do not quality for chapter 7 because...

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Deficiency Judgement After Foreclosure

Deficiency is the amount an individual owes to the lender after a foreclosure, if the property was sold for less of the balance owed to the lender. For example, you owed $500,000, when the foreclosure took place, the lender was only able to obtain $300,000; the...

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Are Your Wages Being Garnished?

When we talk about garnishment, we are referring to the legal order given by a court to an creditor or debt collector -individual or business- (the plaintiff), to obtain monetary judgement from the debtor (defendant). The money not always comes directly from the...

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Chapter 7 Bankruptcy Video

Do you know what a Chapter 7 Bankruptcy is? Watch the video above…Hello my name is Diego Mendez. I am a bankruptcy attorney located in Miami, Florida. I am here to talk about chapter 7 bankruptcy. Chapter seven is a way for you to eliminate credit card debt,...

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Consequences of Credit Defaults

Before mentioning and explaining the effects of the credit default, it is necessary to overview what it means to default on a credit. Credit Default: being in default means that you have failed to make payments on your principal or interest or security when it is due....

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Medical Bankruptcy

If you have accumulated medical bills and you cannot pay them, your medical bills may be discharged. Medical bankruptcy is more common than you may imagine. Medical bills are in the group of debt called unsecured non-priority debt. What is unsecured debt? Unsecured...

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