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Boca Raton Bankruptcy Lawyers

Author Archives: Jay Butchko


What Will Your Chapter 13 Bankruptcy Payment Be?

By Law Offices of Stephen Orchard |

Unlike a Chapter 7 bankruptcy, Chapter 13 will require that you make some payments to your creditors, over the course of 3-5 years. This may initially seem like a bad idea, but there are a lot of advantages to a Chapter 13 that a Chapter 7 bankruptcy may not have. But before considering which… Read More »


Doing These Things Can Lead To Big Problems In Your Bankruptcy

By Law Offices of Stephen Orchard |

Let’s say that you are filing for bankruptcy. You have only the best intentions and you certainly have no intention of deceiving anybody, defrauding anybody, or hiding anything from the bankruptcy court. But then your bankruptcy attorney tells you the court or trustee thinks that you have done something suspicious, and the court or… Read More »


Just Selling Your Stuff Before Bankruptcy May Not Be A Great Idea

By Law Offices of Stephen Orchard |

Let’s say that you are thinking of filing for bankruptcy. Although most people who file for bankruptcy don’t lose much of any of their property, you are concerned, and so you have what you think is a bright idea: Sell your stuff before your bankruptcy. Will this work? Practical Problems Technically, there is nothing… Read More »


Dismissing A Bankruptcy Case: Can It Be Done?

By Law Offices of Stephen Orchard |

In life, we tend to change our minds about a lot of things. That’s true also in the law; many times people file lawsuits and then later decide they don’t want to continue pursuing the lawsuit. But can you do that with a bankruptcy? If something changes, or you change your mind can you… Read More »


Bankruptcy And Home Owners Insurance Claims

By Law Offices of Stephen Orchard |

When you file for bankruptcy, all of your property that is not otherwise exempt, may be taken by the bankruptcy court. Thankfully, most people’s property is almost always exempt—and if it isn’t there is always the option of filing Chapter 13 bankruptcy, where you won’t lose your property. Contingent Assets But what many people… Read More »


Will Creating A Trust Protect Property From Bankruptcy?

By Law Offices of Stephen Orchard |

There are a lot of creative ways to protect your assets from creditors, or even from being taken by a bankruptcy court. One way that you may hear advertised, is to put all your money or property into a trust. Then, the logic goes, the property is owned by the trust and not you,… Read More »


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 »

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