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The Difference Between A Secured And Unsecured Debt In Chapter 13 Bankruptcy

By Law Offices of Carol M. Galloway, P.A. |

One advantage of filing for Chapter 13 bankruptcy over Chapter 7 is that the former can help you get current with your secured debts. For example, if you fall behind on your mortgage payments but want to keep your house, a Chapter 13 repayment plan can help you accomplish that. Chapter 7 has no… Read More »

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Is “Reverse” Discrimination A Title VII Violation?

By Law Offices of Carol M. Galloway, P.A. |

Various federal and state laws are designed to prevent discrimination in employment based on a number of protected characteristics, such as race, sex, national origin, and religion. Historically, these laws were adopted to protect members of minority groups from discrimination by the majority. For example, an employer cannot fire or refuse to hire an… Read More »

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BankruptcyQuestions

Will The Florida Homestead Exemption Protect My Home If I File For Chapter 7 Bankruptcy?

By Law Offices of Carol M. Galloway, P.A. |

One of the biggest concerns that people have when thinking about filing for bankruptcy is what will happen to their house. Many people assume that bankruptcy automatically means losing their home to their creditors. But it is actually not that simple. Federal law permits each state to define certain property as “exempt” from being… Read More »

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How Do Chapter 13 Repayment Plans Work?

By Law Offices of Carol M. Galloway, P.A. |

One of the key differences between a Chapter 7 and Chapter 13 bankruptcy filing is that the latter requires the debtor to come up with–and follow–a repayment plan. In Chapter 7, a debtor’s nonexempt assets (if any) are liquidated and used to pay back creditors, with any remaining debts discharged by the court. This… Read More »

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Bankr29

Did A Crypto Company Commit Bankruptcy Fraud?

By Law Offices of Carol M. Galloway, P.A. |

For those who may be unaware, the crypto industry suffered a major fallout recently after one company defaulted on a loan provided by another company resulting in numerous bankruptcies across the industry. As a result, many who have invested in cryptocurrency have now had their assets frozen in their crypto accounts and may only… Read More »

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StudentDebt4

Student Loan Debt Relief And Bankruptcy

By Law Offices of Carol M. Galloway, P.A. |

When the U.S. government decided that it would extend loans to its citizens, it thought it was doing a good thing. To encourage loan vendors to issue the loans, the government had to afford it certain protections. These protections are unlike any loan provider in the U.S. No loan provider can prevent a debt… Read More »

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Bank13

Couple Files For Bankruptcy After Losing Breach Of Contract Suit

By Law Offices of Carol M. Galloway, P.A. |

In 2005, a couple purchased their family home for about $900,000. Then, in 2008, they sold the home for $2.1 million. However, the couple to whom they sold the home sued the couple that sold them the home for breach of contract, nondisclosure of material facts, and negligent misrepresentation, among other things. The plaintiffs… Read More »

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Can Your Recreational Marijuana Business File For Bankruptcy?

By Law Offices of Carol M. Galloway, P.A. |

While marijuana is still illegal in Florida, there are several states across the country that have moved to legalize the popular recreational drug. In these states, marijuana dealers operate out of storefronts like liquor stores and provide top-quality marijuana to the public. While the drug is legal under state laws, it remains illegal under… Read More »

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Bank14

Digital Assets Collapse Forcing Brokerages Into Bankruptcy

By Law Offices of Carol M. Galloway, P.A. |

Sometimes, commercial bankruptcies cause a chain reaction that results in more commercial bankruptcies and finally, consumer bankruptcies. The latest crypto collapse has resulted in a major crypto brokerage, Voyager Digital, filing for Chapter 11. Voyager Digital’s bankruptcy was preceded by its association with the crypto hedge fund, Three Arrows Capital, which defaulted on loans… Read More »

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Legal25

Cadets File Sexual Harassment And Rape Allegations Against Merchant Marines

By Law Offices of Carol M. Galloway, P.A. |

Several cadets from the merchant marine academy are alleging that they suffered numerous incidents of sexual harassment and at least one cadet alleges that she was forcibly raped while on the job. To understand this, you need to realize that cadets are the equivalent of interns and working aboard vessels is required for their… Read More »

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