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Consumer Laws by State

No matter what state you live in, bankruptcy is governed by chapters of the U.S. Bankruptcy Code. You can file for Chapter 7 bankruptcy protection and see debt relief in as little as a few months, or enter a Chapter 13 repayment plan that lets you pay back your creditors at a lower rate over a period of three to five years. However, depending on what state you file bankruptcy in and where you’ve lived for the past few years, you may experience bankruptcy differently than the person living the next state over. One of the main differences is related to bankruptcy exemptions, which vary by state. Exemptions allow you to keep your property, like your house, car, and more, with some states having more generous exemptions than others. Other states require you to use their exemptions only, with no choice of using federal exemptions, when filing for bankruptcy. National Bankruptcy Forum has compiled information on consumer laws by state so readers can get a basic overview of how bankruptcy works from California to Florida.

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Posted by: John O'Connor

Can Creditors Garnish My Wages in Florida?

Last updated Sept. 21, 2017. Yes, Florida law does allow creditors to garnish your wages. However, a creditors’ right to garnishment, and the amount they’re entitled to garnish, hinges on whether you qualify as a “head of family” under Florida statute 222.11. The Florida statutes define a head of family as “any person who is…

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Posted by: John O'Connor

Chapter 7 Bankruptcy in Florida: What You Need to Know

Last updated June 28, 2017. Florida is known for a pretty popular amusement park, its beautiful weather, its beaches, and its population of American alligators — the latter of which was designated as the state’s official reptile (and unofficial general state symbol) in the 1980s. In fact, Gatorade was named after the University of Florida…

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