Freire & Gonzalez, P.A.

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 spend more time with family or travel more. A few resolved to get organized financially by spending less and saving more. If you, like many others, have been struggling with debt this past year (or years), then

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 local practices? The answer is, you really don't always know what's best in your specific circumstances. Many things need to be considered. The following is a very non-exhaustive list of the factors utilized by

Help!, I've fallen and can't get up. We all remember this line from an old t.v. commercial where an elderly person has physically fallen, is unable to get off the ground by herself, and unable to reach the telephone to call for help. This is not about a physical fall, but finding yourself hopelessly in debt is no picnic either. If you cannot afford to pay your debts, it is very likely a Bankruptcy can help you. Please call our office, Freire & Gonzalez, P.A., (305) 826-1

In an unpresedented move, President Obama signed an Executive Order forgiving all credit card debt, medical bills and deficiencies owed to all who can establish that they are insolvent. The test for insolvency will vary from State to State but could help thousands of people get a head start on life by allowing them to get their finances in order. The Republican lead Congress quickly voiced their opposition to what they claim can only be accomplished by an Act of Congress.

Debt consolidation involves reorganzing all of your individual debt payments into one "manageable" payment. However, throughout my many years of experience as a bankruptcy attorney I have encountered several problems with debt consolidation. 1. Continued Contact from Creditors Proponents of debt consolidation often mention privacy as one of the biggest draws to entering into a debt consolidation. However, the price for privacy may be high. Depending on the type of debt con