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  • Credit Counseling: What You Should Expect

    Posted By Owenby Law, P.A. || 2-Feb-2018

    Credit counseling offers consumers a chance to learn exactly where they are with their debts and how they can get to a better place financially. Although many of us might feel nervous or intimidated by having to talk to someone about our financial situation, credit counseling can provide you with valuable advice that you might need. More importantly, counseling can help you make informed choices ...
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  • Are My Student Loans Dischargeable in Bankruptcy?

    Posted By Owenby Law, P.A. || 19-Dec-2017

    Student loans place a heavy financial burden on millions of Americans. Combined with credit cards, auto loans, mortgages, and other large payments, student loans can be a major player in creating a massive, unsustainable pileup of debt. Many people who declare bankruptcy do so in order to get out from under the stifling weight of large monthly payments from their student loan provider. However, ...
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  • Preparing for Your 341 Hearing

    Posted By Owenby Law, P.A. || 5-Sep-2017

    Before you can resolve your debts in bankruptcy, you’ll need to attend what is known as the 341 hearing. This hearing is a formal meeting with creditors that usually takes a few minutes. However, you should begin preparing for this meeting early on to ensure that it goes smoothly. In this blog, we explain what steps to take to help you prepare for your 341 hearing. Mark Your Meeting on a ...
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  • What Types of Debt Can't be Discharged in Bankruptcy?

    Posted By Owenby Law, P.A. || 1-Sep-2017

    Although filing for bankruptcy can clean your debt slate, some types of debt can’t be discharged in bankruptcy. In fact, the Bankruptcy Code lists 19 categories of non-dischargeable debt. Courts can also deny your bankruptcy discharge if you fail to follow certain rules and procedures. Below, we explain some of the types of debt that cannot be discharged in bankruptcy. Debts That Can’t ...
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  • What Is the Difference Between Chapter 7 and Chapter 13 Bankruptcy?

    Posted By Owenby Law, P.A. || 14-Jun-2017

    When you are considering filing for bankruptcy, it’s essential to consider all available options in order to determine which is right for you. While Chapter 7 bankruptcy is the most commonly used form of bankruptcy, Chapter 13 may be a better choice for individuals capable of making payments towards their debts. Regardless of your situation, understanding the drawbacks and advantages of each ...
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  • Busting 4 Common Myths About Bankruptcy

    Posted By Owenby Law, P.A. || 7-Apr-2017

    There are many myths and misconceptions when it comes to bankruptcy. Often, these myths take small portions of truth and blow them out of proportion. In other cases, they are simply and entirely incorrect. Because having the facts is important when you are considering bankruptcy or taking the steps needed to initiate the process, our legal team at Owenby Law, P.A. wants to help local residents ...
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  • Owenby Law, P.A. Opens New Office Location in St. Augustine, Florida

    Posted By Owenby Law, P.A. || 4-Aug-2016

    Our legal team at Owenby Law, P.A. is pleased to announce that we have opened a new office location in St. Augustine, Florida. At this location, we will provide all of our services to the residents of our city and other cities throughout St. Johns County. Because we are dedicated to serving our clients with highly experienced representation, we will continue to handle cases pertaining to the ...
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  • Is Filing For Bankruptcy the Right Choice for Me?

    Posted By Owenby Law, P.A. || 30-Jun-2016

    If you’re struggling with old debts that never seem to get any smaller, you’re probably familiar with endless bills, creditor phone calls, and the overwhelming feeling of not knowing where to turn for relief. You may be wondering if bankruptcy is the right option for you, and have several questions about what it is, how it will affect your credit, and what kinds of debts it can ...
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  • Lien Strip-Offs Abolished in Florida Ch. 7 Bankruptcies

    Posted By Owenby Law, P.A. || 14-Mar-2016

    Florida has struggled with the devastating effects of the 2008 financial crisis. As businesses lost revenue and consumers were hit with unemployment, pay cuts, and furloughs, property values plummeted throughout the state. Between 2007 and 2013, Florida cities quickly had the highest percentage of underwater homes, or homes in which property value is less than the mortgage debt, of any U.S. ...
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  • What is the Bankruptcy Means Test and How Does it Work?

    Posted By Owenby Law, P.A. || 27-Oct-2015

    Deciding to file for bankruptcy is a big decision and sometimes a daunting process. You may be afraid of how it will affect your current living situation and even your future. That is why Owenby Law, P.A. is here to assist you through every step of the process. The more informed you are about what to expect, the more comfortable you will be and the easier the process will be to handle. Before ...
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  • The Process of Debt Collection Lawsuits

    Posted By Owenby Law, P.A. || 10-Sep-2015

    When you begin to fall behind on monthly payments, your creditors may believe that you will end up defaulting on your debt. In such cases, creditors will send out reminder notices to inform you of your missed payments. If your account is not brought up to date after this, creditors or debt collection agencies may result to calling you on a daily basis. If the debt continues to worsen or goes ...
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