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Boca Raton Bankruptcy Lawyers

Author Archives: Jay Butchko


What Causes People To File For Bankruptcy?

By Law Offices of Stephen Orchard |

There are a lot of misconceptions about bankruptcy, but one prevailing one, is that people who file for bankruptcy are somehow irresponsible, or that they cause their own financial problems. However, that is not what the research bears out. In fact, more and more research and studies show that bankruptcies are most often the… Read More »


Which Bankruptcy Exemptions Will You Be Able To Use?

By Law Offices of Stephen Orchard |

Florida has very generous bankruptcy exemptions. If you live in Florida, you get the benefit of all those exemptions, right? Well, the answer is a bit more complex than that, because there are residency requirements that you must meet first, before you can qualify to take advantage of Florida’s bankruptcy exemptions. Choosing Exemptions As… Read More »


What Is A Creditor’s Proof Of Claim?

By Law Offices of Stephen Orchard |

In most Chapter 7 bankruptcy cases, creditors can expect to get nothing. However, there are times when there are assets to be distributed in a Chapter 7, and of course, in a Chapter 13 case, creditors may get something through your payment plan (although very little, compared to the full amount owed). What is… Read More »


Will The Bankruptcy Court Take Away My Pets

By Law Offices of Stephen Orchard |

When it comes to bankruptcy, most people won’t lose any of their personal possessions. And if someone has enough debt, they may be willing to part with a few of their possessions, in return for walking away from bankruptcy owing nothing. After all, property is replaceable. However, there is one thing that most people… Read More »


What Is A Chapter 20 Bankruptcy? It Could Help You

By Law Offices of Stephen Orchard |

Is there a secret type of bankruptcy that’s not actually specifically written or allowed for in the bankruptcy code? There is, and although it’s not exactly a secret, it is something that only more experienced bankruptcy attorneys would know about, and could be a big help to you. What is Chapter 20, and Why… Read More »


How Often Can You File For Bankruptcy?

By Law Offices of Stephen Orchard |

Many people want to keep the fact that they are filing or that they have filed for bankruptcy, a secret. That’s understandable, and a personal choice. But then there are the opposite type of people-the ones that not only brag about filing for bankruptcy, but they talk about how many times they’ve filed for… Read More »


What Kind Of Debts Can’t Be Discharged In Bankruptcy?

By Law Offices of Stephen Orchard |

Bankruptcy can be the biggest step you will make to a completely fresh financial start. For most people, bankruptcy will eliminate all of their debts. But contrary to popular belief, bankruptcy does not eliminate every kind of debt. There are some debts that cannot be discharged at all in bankruptcy. Debts that are Not… Read More »


Why Having Business Debt Can Help You File For Bankruptcy

By Law Offices of Stephen Orchard |

When we incur debt, we rarely think about whether the debt is commercial or consumer related. In most cases, it doesn’t matter to us—all that matters is how much we’ve borrowed and how much we owe. But in the world of bankruptcy, classifying debt as one or the other, can affect your bankruptcy case…. Read More »


Does Your Income Matter In Bankruptcy, And How Does It Affect Your Case?

By Law Offices of Stephen Orchard |

In a typical bankruptcy your income matters. That may not be a surprise to you–you probably already have an idea that if you make too much money, bankruptcy may not be available to you. But the question of income is more complex than that, and the effect of making too much or too little,… Read More »


Can You Pay A Chapter 13 Repayment Plan Off Early? Should You?

By Law Offices of Stephen Orchard |

You may be aware that if you file for a Chapter 13 bankruptcy, you will have to make payments over a period of time, between 3-5 years, three years being if your income falls below your state’s median income, and 5 if your income is above the median amount. Although this may initially seem… Read More »

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