by admin on March 8, 2010
Many debtors have a difficult time locating their tax returns, which always causes delay in filing your bankruptcy. All information must be complete before you Florida Bankruptcy Attorney can file on your behalf. You must have filed tax returns in order to file bankruptcy in Tampa or Orlando Florida. For those who have 10-15 days to wait, debtor’s can call 1 800 829 1040 to Receive FREE Tax Transcripts By Mail. For those Florida Bankruptcy Debtor’s who must obtain lost tax returns immediately, please inquire at your local field office:
CENTRAL FLORIDA: ORLANDO (Maitland/Winter Park) IRS OFFICE: 850 Trafalgar Ct.
Maitland, FL 32751 Phone: (407) 660-5830
VOLUSUIA COUNTY: DAYTONA/HOLLY HILL IRS OFFICE: 921 N. Nova Rd. Holly Hill, FL 32117
Phone: (386) 258-4105
TAMPA IRS OFFICE: 3848 W. Columbus Dr.
Tampa, FL 33607Phone: (813) 348-1831
FORT MYERS IRS OFFICE:
4210 Metro Parkway Ft Myers, FL 33916 Phone: (239) 938-7601
by admin on March 8, 2010
Like many others in Florida, we are all facing economic hardships caused by high credit card debt, loss of job, medical bills – I could go on. Most of these problems are not your fault, but you may have fallen behind in paying your mortgage payments. Bankruptcy can help solve all of these problems and help you to save your home, get rid of your debt, clear your credit report and REGAIN YOUR FINANCIAL FREEDOM! Read on…
If you have been late paying your mortgage you will likely be soon served a foreclosure complaint and a Lis Pendens. Then you will have only 20 days to file an answer to this foreclosure action. After being served with these Florida foreclosure papers, it may only be a matter of months before you are forced to move out of your own home. What’s worse is that after you move out your home will be sold, but likely for much, much less than what you owe on the mortgage. This is called a Deficiency. Your lender can now pursue you for the difference of what you promised to pay minus the sale price of the home.
• Here’s an example: your $250,000 home sells for $45,000 at the courthouse and you originally mortgaged the home for $325,000. Your lender, in this situation could potentially seek to recover $280,000 from you to recover the remainder of the mortgage.
Here are your options:
(1) If you file for Chapter 7 Bankruptcy and are successfully discharged:
a. your lender will not be able to seek to recover a Deficiency against you
b. You can wipe your slate clean of almost all of your debts
(2) If you file for Chapter 13:
a. the foreclosure process will come to a halt because of the Automatic Stay enjoyed in Bankruptcy,
b. you can repay the past amounts you owe on the home over time making it easier
c. you may be able to completely write off your 2nd or 3rd mortgages!
The most important thing you can do is to contact your local Florida Bankruptcy Attorneys at (813) 413-1300 whether you live in Central Florida and Maitland/Winter Park Orlando, the Tampa Bay area and Clearwater/St. Petersburg
