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Boca Raton Bankruptcy Lawyers

Category Archives: Bankruptcy


Will My Employer Know If I File For Bankruptcy?

By Law Offices of Stephen Orchard |

Although there is absolutely no shame or embarrassment in filing for bankruptcy, it is understandable that you may not want others to know you are doing it. Certainly some people–like close family–may be aware, but one person or entity that you may want to keep your bankruptcy from is your employer. Will your employer… Read More »


What To Know About Inheritances And Bankruptcy

By Law Offices of Stephen Orchard |

Even though you are filing for bankruptcy, there are some things that should be so special or so precious that they shouldn’t be taken in bankruptcy. One of those things is inheritance. Money or assets left to you by a loved one should be yours—after all, the loved one who left the property isn’t… Read More »


What Is A Cramdown In Bankruptcy?

By Law Offices of Stephen Orchard |

Let’s say that you own a piece of property that is worth $500,000. The problem is that you owe $700,000 on the property, making it $200,000 upside down (or with negative equity of $200,000). Assuming that you don’t want to keep the property, you can surrender it, and although the property will be taken… Read More »


When Will A Florida Court Consider Homestead Property To Be Abandoned?

By Law Offices of Stephen Orchard |

Florida has a strong bankruptcy exemption for homestead property. So long as property has been owned for a period of time before the bankruptcy is filed, and so long as the property is either less than ½ an acre, or 160 acres in designated rural areas, then it doesn’t matter how much equity you… Read More »


Contracts That Limit Or Take Away Your Bankruptcy Rights Are Not Enforceable

By Law Offices of Stephen Orchard |

If you sign a contract, especially one that involves the payment of money, one party may know that the party that has to pay money could discharge their debt in bankruptcy. Or, a party may know that if the other files for bankruptcy it could affect that party’s ability to fulfill their obligations under… Read More »


All About Cars And Chapter 7 Bankruptcy

By Law Offices of Stephen Orchard |

Bankruptcy is intended to give us a fresh start and allow us to be able to renew our financial lives. But that’s really hard to do without a car, especially in South Florida. What good is a bankruptcy, if you have no car when it’s over to get yourself to work and make money?… Read More »


Florida Bankruptcy Exemptions You May Not Have Known Existed

By Law Offices of Stephen Orchard |

In bankruptcy, the bankruptcy court can take a debtor’s property and sell it to satisfy debts owed to creditors. But in reality, for most debtors, property will never be taken because of exemptions. Exemptions allow a debtor to protect property from being taken by the trustee. Some exemptions are relatively well known in Florida…. Read More »


What’s A 341 Meeting?

By Law Offices of Stephen Orchard |

In most cases, bankruptcy, especially chapter 7 bankruptcy, is a relatively straightforward and quick process. Most bankruptcy filers won’t even have to go before a judge or in a courthouse. The only thing that a bankruptcy debtor will ever have to attend that is anywhere close to a court hearing is what is known… Read More »


Family Law Can Turn Dischargeable Debts Into Non Dischargeable Debts

By Law Offices of Stephen Orchard |

Very often, divorce and bankruptcy go hand in hand. Yet, people who are filing for, or thinking about filing for divorce, rarely give thought to having a bankruptcy consultation before their divorce, so they understand how bankruptcy may affect them after their divorce. Support and Bankruptcy One aspect of divorce that can be affected… Read More »


Bankruptcy And Landlord Tenant Leases

By Law Offices of Stephen Orchard |

In many cases—especially with the COVID-19 pandemic creating financial hardship for everyone—bankruptcy may be an answer to problems related to paying rent. Whether you are a landlord or a tenant, knowing how bankruptcy interacts with landlord-tenant relationships can help you decide if bankruptcy is right for you. The Landlord and the Automatic Stay A… Read More »

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