January 3, 2017

When the clock struck 12:01 a.m. on January 1, 2017 people across the United States stood back, took stock of the past year and set their resolutions for the New Year.  Some resolved to lose weight, others to quit bad habits like smoking and others still resolved to sp...

March 14, 2016

Freire & Gonzalez, P.A.

Here are (10) ten reasons you should talk to one of our Bankruptcy Attorneys:
1) Your wages are being garnished.
2) Your bank account has been frozen by a creditor.
3) Your car was or is about to be repossessed.
4) You were served with a lawsuit....

September 24, 2015

If you fail to plan, you plan to fail:


Most bankruptcies are a result of an unforseen event such as divorce, illness or the loss of employment.  The problem with that statement is that “unforeseeable” events are all but unforeseeable.  Yet, most people fail to plan for...

September 9, 2015

Is filing Bankruptcy bad for your credit?

Seems like a simple question with an obvious answer.  The truth of the matter is that it all depends.


If you are paying all your obligations, meeting all your necessities and actually reducing your credit card balance, maybe ban...

September 9, 2015

Most people just think about their mortgage when they hear the word "Refinance". Refinancing your mortgage could be a good idea, but several factors should be looked at. Although the interest rate being charged is certainly one of the primary factors, you must also con...

May 11, 2015


How can you avoid filing for Bankruptcy?

1.     Live below your means and save money for a rainy day.

2.     Stay healthy and make sure all your family does the same.

3.     Don't barrow money you can't pay back within three months.

4.     Drive a paid-off...

May 11, 2015


Is there a right time to file for bankruptcy?

Yes, timing in bankruptcy can be a very important part of how successful the bankruptcy is.  What is a "successful bankruptcy?"  To me, a successful bankruptcy is one where the Debtors are able to Discharge all of their deb...

May 11, 2015


Many clients come to our office, for a free consultation, and already have in their mind that they want to file for a Chapter 7 rather than a Chapter 13 bankruptcy.  Realistically, how would you know without a thorough understanding of all bankruptcy laws, rules and l...

May 7, 2015

A bankruptcy can be a very powerful tool in dealing with your creditors:

     - A foreclosure sale may be stopped temporarily or permanently.

     - A mortgage may be modified, in its duration, in its interest rate and/or its principal balance....

May 6, 2015


By now you have probably heard that the Southern District of Florida, Bankruptcy Court, has implemented a mortgage modification procedure.  The results have been outstanding!  By making a good faith payment, of 31% of your gross income, in your Chapter 13 payment plan...

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Debt consolidation involves reorganzing all of your individual debt payments into one "manageable" payment.  However, throughout my many years of expe...

Debt Consolidation v. Bankruptcy

September 10, 2014

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