Contact the office
Jay W. Moreland, P.A.
8520 Government Drive
Suite 2
New Port Richey, FL 34654
Phone: 727-847-2083
Fax: 727-842-2187
New Port Richey Bankruptcy Blog
Tips for rebuilding credit after a bankruptcy
Florida residents who file for bankruptcy may experience a drop in their credit scores. However, there are ways to rebuild credit after seeking protection from creditors. For instance, it may be a good idea to apply for a secured credit card or unsecured retail credit...
Bankruptcy for married people
Bankruptcy may occur when a person or business is unable to make good on their debt. The term is often used generally, and even metaphorically, but there's also a legal definition of bankruptcy. People in Florida should know that legally speaking, bankruptcy is a...
Exemptions in a Chapter 7 bankruptcy
People in Florida who are considering bankruptcy might be concerned that they will lose all their possessions. In fact, even when filing for a Chapter 7 bankruptcy, a number of assets may be considered exempt. Bankruptcy laws vary from state to state and even between...
Why bankruptcy is a viable option
Many Florida residents will hesitate to declare bankruptcy due to the negative stigma involved. In many cases, however, a bankruptcy filing will make sense and be the best option for someone who wants a fresh financial start in life. In fact, they may start realizing...
The FDCPA prohibits may unpleasant debt-collection practices
Florida residents who are struggling to pay their bills will likely know that debt collectors can be extremely persistent. Many companies call consumers every day in an effort to collect unpaid debts, but there are certain tactics that they are prohibited from using....
Tips for determining whether a debt collector is legitimate
Some people in Florida might receive calls from a debt collector but be unsure as to whether the calls are legitimate. Debt collectors generally start with or follow up with a letter, so this could be one sign that the debt is real. A collection agency should also be...
Filing for bankruptcy because of medical bills
It is not clear how many bankruptcies are prompted by medical debt, but studies estimate that it is a substantial factor in quite a few. People in Florida who are considering bankruptcy because of medical debt should be aware that bankruptcy cannot be done piecemeal,...
Creditors may face penalties for violating automatic stay orders
When debtors in Florida or throughout the country file for bankruptcy, they are generally granted an automatic stay. The automatic stay generally prevents creditors from contacting debtors until their cases are over. Creditors may also be barred from foreclosing on a...
Credit card debt and protection from creditors
Florida consumers who are confronted with significant debt they are unable to pay will have many concerns. Along with the fear of constant calls and the negative impact on daily life, some might be under the impression they can be put in jail. It is important to...
How to calculate a Chapter 13 plan payment
Florida residents who choose to file for Chapter 13 bankruptcy will make payments to their creditors over the course of three or five years. The amount of that payment depends on a person's income and expenses. Wages, unemployment benefits and other government...
Jay W. Moreland, P.A.
8520 Government Drive
Suite 2
New Port Richey, FL 34654
Phone: 727-847-2083
Fax: 727-842-2187