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West Palm Beach Credit & Debt Lawyer, Florida

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Henry Hernandez
About | Practice Areas
Law Office of Henry Hernandez, P.A.
2655 S Le Jeune Rd Suite 802 Coral Gables, FL 33134» view map
Bankruptcy & Debt, Real Estate, Accident & Injury
Commitment To Justice

We are aggressive in the courtroom, but empathetic to our clients. The team at the Law Office of Henry Hernandez, P.A. in Miami, Florida has significant trial experience.

305-771-3374
1. Henry Hernandez Coral Gables, FL
  Attorney at Law - FL, 2002
  Indiana University J.D. 1999
2. AboutLaw Office of Henry Hernandez, P.A.
  Personal Attention For Every Client.
3. Practice AreasExpertise
  Bankruptcy & Debt, Real Estate, Accident & Injury
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Michael K. Bregman Lawyer

Michael K. Bregman

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Accident & Injury, Wrongful Death, Foreclosure, Credit & Debt, Discrimination

We provide personal attention for your personal injuries

The Law Offices of Michael K. Bregman, P.A. has helped thousands of clients that have been injured due to the negligence of others. We are available ... (more)

FREE CONSULTATION

1896 Palm Beach Lakes Boulevard, West Palm Beach, FL 33409

Ashley Dillman Bruce

Litigation, Civil Rights, Business, Credit & Debt

Status: In Good Standing Licensed: 13 Years

1601 Forum Place, West Palm Beach, FL 33401

Melanie Loretta Campbell

Litigation, Civil Rights, Credit & Debt, Bankruptcy

Status: In Good Standing Licensed: 14 Years

1555 Palm Beach Lakes Blvd, West Palm Beach, FL 33401

Daniel Marc Schwarz

Other, Federal Appellate Practice, Divorce & Family Law, Credit & Debt

Status: In Good Standing

1555 Palm Beach Lakes Blvd, West Palm Beach, FL 33401

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Ann M. Fitz

Other, White Collar Crime, Criminal, Credit & Debt

Status: In Good Standing

500 S Australian Ave, West Palm Beach, FL 33401

Donald Robert Goodwin

Copyright, Civil Rights, Corporate, Credit & Debt

Status: In Good Standing Licensed: 23 Years

500 S. Australian Avenue, West Palm Beach, FL 33401

Catherine Ann Cullen

Corporate, Credit & Debt, Employee Rights, Civil Rights

Status: In Good Standing

500 S. Australian Avenue, West Palm Beach, FL 33401

Pamela D'Alo Balaguera

Credit & Debt, Family Law, Immigration, Criminal

Status: In Good Standing Licensed: 10 Years

500 S. Australian Avenue, West Palm Beach, FL 33401

Pamela D'Alo Balaguera

Credit & Debt, Family Law, Immigration, Criminal

Status: In Good Standing Licensed: 10 Years

500 S. Australian Avenue, West Palm Beach, FL 33401

Dominic John Scalera

Corporate, Credit & Debt, State and Local, Elder Law

Status: In Good Standing Licensed: 39 Years

500 S. Australian Avenue, West Palm Beach, FL 33401

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LEGAL TERMS

MEANS TEST

A formula that uses predefined income and expense categories to determine whether a debtor whose current monthly income is higher than the median family income ... (more...)

A formula that uses predefined income and expense categories to determine whether a debtor whose current monthly income is higher than the median family income for his or her state should be allowed to file for Chapter 7 bankruptcy.

LIABILITY

(1) The state of being liable--that is, legally responsible for an act or omission. Example:Peri hires Paul to fix a broken pipe in her bathroom, but the new pi... (more...)

(1) The state of being liable--that is, legally responsible for an act or omission. Example:Peri hires Paul to fix a broken pipe in her bathroom, but the new pipe bursts the day after Paul installs it, ruining the bathroom floor. This raises the issue of liability: Who is responsible for the damage? Peri claims that Paul is responsible, and sues him for the cost of hiring another plumber to fix the pipe and replacing the floor. Paul, in turn, claims that the pipe manufacturer is responsible, because they supplied him with faulty materials. Both Peri and Paul must prove their claims in court; if Paul and/or the manufacturer is found liable, one or both will have to pay damages to Peri. (2) Something for which a person is liable. For example, a debt is often called a liability.

REAFFIRMATION

An agreement that a debtor and a creditor enter into after a debtor has filed for bankruptcy, in which the debtor agrees to repay all or part of an existing deb... (more...)

An agreement that a debtor and a creditor enter into after a debtor has filed for bankruptcy, in which the debtor agrees to repay all or part of an existing debt after the bankruptcy case is over. For instance, a debtor might make a reaffirmation agreement with the holder of a car note that the debtor can keep the car and must continue to pay the debt after bankruptcy.

FRAUDULENT TRANSFER

In a bankruptcy case, a transfer of property to another for less than the property's value for the purpose of hiding the property from the bankruptcy trustee --... (more...)

In a bankruptcy case, a transfer of property to another for less than the property's value for the purpose of hiding the property from the bankruptcy trustee -- for instance, when a debtor signs a car over to a relative to keep it out of the bankruptcy estate. Fraudulently transferred property can be recovered and sold by the trustee for the benefit of the creditors.

GRACE PERIOD

A period of time during which you are not required to make payments on a debt. For example, most credit cards give you a grace period of 20-30 days before you h... (more...)

A period of time during which you are not required to make payments on a debt. For example, most credit cards give you a grace period of 20-30 days before you have to pay interest on the amount of your purchases. Cash advances, however, usually have no grace period; interest begins to accumulate from the date of the withdrawal, even if you pay your bills on time. Also, some student loans give you a grace period after graduating or dropping out of school. During this time, you are not required to make payments on your loan.

CURRENT MONTHLY INCOME

As defined by the new bankruptcy law, a bankruptcy filer's total gross income (whether taxable or not), averaged over the six-month period immediately preceding... (more...)

As defined by the new bankruptcy law, a bankruptcy filer's total gross income (whether taxable or not), averaged over the six-month period immediately preceding the bankruptcy filing. The debtor's current monthly income is used to determine whether the debtor can file for Chapter 7 bankruptcy, among other things.

GARNISHMENT

A court-ordered process that takes property from a person to satisfy a debt. For example, a person who owes money to a creditor may have her wages garnished if ... (more...)

A court-ordered process that takes property from a person to satisfy a debt. For example, a person who owes money to a creditor may have her wages garnished if she loses a lawsuit filed by the creditor. Up to 25% of a person's wages can be deducted.

LIEN

The right of a secured creditor to grab a specific item of property if you don't pay a debt. Liens you agree to are called security interests, and include mortg... (more...)

The right of a secured creditor to grab a specific item of property if you don't pay a debt. Liens you agree to are called security interests, and include mortgages, home equity loans, car loans and personal loans for which you pledge property to guarantee repayment. Liens created without your consent are called nonconsensual liens, and include judgment liens (liens filed by a creditor who has sued you and obtained a judgment), tax liens and mechanics liens (liens filed by a contractor who worked on your house but wasn't paid).

CCCS

See Consumer Credit Counseling Service.

SAMPLE LEGAL CASES

Rogers v. Rogers

... In addition to these few assets, the parties accumulated various debts during the marriage. Besides the loan on the Mountaineer, the parties had credit card debt totaling approximately $5000. The parties also owed $23,707.21 on the Wife's student loan. ...

Cunningham v. MBNA AMERICA BANK, NA

... 5th DCA 2004). Such a reading of the counterclaim demonstrates that Mr. Cunningham's claims for violations of the FDCPA and the FCCPA, and for abuse of process, attack MBNA's alleged misuse of the arbitration process to secure payment of a credit card debt. ...

Morgan v. Wilkins

... any person who offers or extends credit creating a debt or to whom a debt is owed, but does not include any person to the extent they receive an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. (Emphasis added). ...

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