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A Chapter 7 liquidation proceeding is available to individuals, partnerships, and corporations. The debtor is allowed to keep exempt assets. For individuals filing bankruptcy in Florida, the exemptions are primarily determined by Florida law. They include the debtor’s homestead, (subject to a cap of $146,450.00 in equity if owned less than 1215 days), a debtor’s interest, not to exceed $1,000.00 in a single motor vehicle, a debtor’s interest in any professionally prescribed health aids, monies paid into the Prepaid Post-Secondary Education Expense Trust Fund, and $1,000.00 per individual in miscellaneous personal property. Individuals not claiming a homestead as exempt can claim an additional $4,000.00 of any type of personal property as exempt. Certain other assets such as the cash surrender value of life insurance policies, annuity contracts, IRA’s and pension plans may be exempt also. All non-exempt assets must be turned over to the Chapter 7 trustee for liquidation and distribution to creditors. We have been handling Chapter 7 bankruptcy cases in the Fort Lauderdale area for over 30 years. Call us if you would like a free consultation to see if Chapter 7 is right for you.
For individuals filing Chapter 7, most debts, including some tax obligations, are discharged. Some debts, including recent tax obligations, trust fund obligations, child support and alimony generally cannot be discharged. Other debts may not be discharged if the creditor can prove improper conduct on the part of the debtor. Obligations based on fraud, false financial information or breach of fiduciary duty may be challenged by the creditor. We have experience with these types of challenges. Credit card usage within 90 days of filing and excessive usage within the year leading up to filing may also be challenged. We handle discharge challenges and all types of adversary proceedings. Our offices are located in Plantation, Broward County, Florida.
For the foreseeable future, second mortgages can now be removed in a Chapter 7 bankruptcy. Since 1992 it has been possible to remove a second mortgage from real property in a Chapter 13 when the first mortgage exceeds the value of the property. Last year the Eleventh Circuit Court of Appeal ruled in the case of McNeal that a 'lien strip' of a second mortgage is possible in a Chapter 7. It appears the Court intends to stand by that decision. We have successfully removed second mortgages in a number of Chapter 7 cases. Read more on our Blog.
Most individuals are unaware that they may be able to discharge some or all of their older income tax obligations in Chapter 7. See our discussion of Dischargeability of taxes. The filing of a Chapter 7 stays all IRS collection proceedings until the entry of a discharge or dismissal of the case. Tax discharges generally require the filing of an Adversary Proceeding to determine what taxes may be discharged. We have handled many such discharge proceedings. Call us if you would like a free consultation on your tax issues at 954-356-0450.
David W. Langley is licensed to practice only in the State of Florida and handles bankruptcy cases in Hollywood, Fort Lauderdale, Plantation, Pembroke Pines, Pompano, Coral Springs and Deerfield.
Located in the desireable Crestwood Manor, this lovely 3/2/2 is custom built with over 1900+ sq ft of living space and a 19 x 27 extra large garage. The large foyer is awaiting you as you enter this lovely home and enjoy gathering around the oversized kitchen with friends and family as you are sure to have plenty of space with the separate dining room area. The master bedroom has 2 closets (a 5 x 5 and a 10 x 5) while the master bathroom is spacious having double sinks, garden tub, and a walk in shower. The backyard is fenced on two sides. Some of the upgrade features are: Volume Ceilings, Inside Laundry, 10 x 13 lania, Appliances (new 2016), sink (2016), HVAC Aka AC (2009), architectural shingle roof (2002), Exterior and Interior Painted (2016), pull down attic stairs, new hardware on cabinets, granite countertops, and so much more!! Not only is this home located on a beautiful lot but it is also just a few minutes to The Villages, shopping, schools, restaurants and grocery stores! Don't let this one get away - call today!
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Flamory helps you capture and store screenshots from Ashampoo UnInstaller by pressing a single hotkey. It will be saved to a history, so you can continue doing your tasks without interruptions. Later, you can edit the screenshot: crop, resize, add labels and highlights. After that, you can paste the screenshot into any other document or e-mail message.
Ashampoo Uninstaller 4 completely eliminates this problem. It lets you test software with confidence because you can be sure that no trace of programs you remove are left anywhere on your system. It does this by comparing compact “Before” and “After” snapshots that identify exactly where all program components and settings are located. Uninstalling is completely safe, with automatic backups and a special Reinstaller for quickly reinstalling programs with all their settings.
In addition to uninstalling, you can also use UnInstaller’s comprehensive “Before and After” comparisons to monitor and identify the secret activities of any program – for example hidden files and Registry keys. Just take a snapshot, run the application that you want to monitor and then take another snapshot. UnInstaller then compares the snapshots and shows you all the changes the program has made anywhere on your system.
Ashampoo UnInstaller 4 is actually a complete Windows maintenance package with over a dozen powerful tools. It comes with an advanced hard disk defragmenter, a file wiper, a file undeleter, an Internet cleaner, a Windows Registry cleaner, a Windows system restore point manager, file and folder backup and much more. See further below for a full list.
Integration level may vary depending on the application version and other factors. Make sure that user are using recent version of Ashampoo UnInstaller. Please contact us if you have different integration experience.