Archive for March, 2016

Clearwater Bankruptcy Attorney Joins Legal Reach

Friday, March 25th, 2016

Caroline Secor just joined the attorney organization call Legal Reach. Caroline’s listing has been verified and a link in included on the front page of her website.

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Once you find an attorney that impresses you, get in touch with them for more information by calling them directly or by filling out the contact form on their profile.

Of course, if you live in the Tampa Bay area and you are experiencing problems with your bills and credit cards, you don’t need Legal Reach. You can just call Caroline Secor.

Carolyn Secor P.A. focuses its practice in the areas of Bankruptcy and Foreclosure Defense in Clearwater, Florida.  For more information, go to our web site
or call (727) 254-1704.

Bankruptcy Clearwater and Taxes

Monday, March 14th, 2016

It is our impression that many people think that they cannot escape federal income tax debt through bankruptcy. This is not the case, if the debt is over 3 years old.


Refer to the following information from the IRS website:

If you owe past due federal taxes that you cannot pay, bankruptcy may be an option. Other options include an IRS payment plan or an offer in compromise.

If you are a person that has filed bankruptcy, a debtor’s attorney or a U.S. Trustee with questions about an open bankruptcy you may contact the IRS’ Centralized Insolvency Operations Unit, Monday through Friday, 7:00 a.m. to 10:00 p.m., EST, at 1-800-973-0424.

For individuals, the most common type of bankruptcy is a Chapter 13. Before you consider filing a Chapter 13 here are some things you should know:

  • You must file all required tax returns for tax periods ending within four years of your bankruptcy filing.
  • During your bankruptcy you must continue to file, or get an extension of time to file, all required returns.
  • During your bankruptcy case you should pay all current taxes as they come due.
  • Failure to file returns and/or pay current taxes during your bankruptcy may result in your case being dismissed.

Partnerships and corporations file bankruptcy under Chapter 7 or Chapter 11 of the bankruptcy code. Individuals may also file under Chapter 7 or Chapter 11. For additional tax information on bankruptcy, refer to Publication 908, Bankruptcy Tax Guide and Publication 5082, What You Should Know about Chapter 13 Bankruptcy and Delinquent Returns (PDF).

Other types of bankruptcy include Chapters 9, 12 and 15. Cases under these chapters of the bankruptcy code involve municipalities, family farmers and fisherman, and international cases.

Carolyn Secor P.A. focuses its practice in the areas of Bankruptcy and Foreclosure Defense in Clearwater, Florida.  For more information, go to our web site
or call (727) 254-1704.

Credit Card Fees – Get Them Removed

Wednesday, March 2nd, 2016

Credit card companies love fees. Why wouldn’t that. Think about it. They get additional revenue with little expense. It’s a big part ofcredit card debt their business. However, if you aren’t careful, it can become a major expense for you. When you pay fees to a credit card company, that’s money you can’t get back – to the tune of between $25 and $45 (or more) per incident.

While you are probably familiar with interest fees, and how you can lower your interest rate with the help of a simple phone call, you might not realize that your other credit card fees are negotiable as well (and some can be waived). Some of the other fees you might be subject to include:

  • Annual fee: An increasing number of credit card issuers are adding annual fees. This is a fee you pay each year, often when the issuer automatically adds it to your balance.
  • Late fee: If your payment is even one day late – or even an hour late in some cases – you can be charged a late fee. Remember that your late fee is based on the fact that your due date is when the payment is received, and not when you sent the payment.
  • Over the limit fee: When you exceed the limit on your credit card, you can experience a fee as the result.
  • Balance transfer fee: Often, when you transfer a balance, you will be charged a fee, often between 3% and 5% of the total amount transferred. The larger your balance, the bigger your fee.
  • Foreign transaction fee: When you make transactions in another country, you can be charged a fee. Some credit cards also charge currency conversion fees when you make purchases in another currency.

All of these fees are negotiable if you are willing to pick up the phone and make a call.

Ask to Have Your Fee Waived

Believe it or not, it’s often possible to have a credit card fee waived just for asking. However, it helps to be a customer in good standing. Before you call, prepare yourself by rehearsing the fact that you are a loyal customer who normally makes on-time payments. Look up the appropriate customer service number as well, to ensure that you are speaking with someone who is more likely to be able to help you.

Depending on the fee, you might be able to take care of the situation in a matter of minutes. Most late fees and over the limit fees can be waived quickly, especially if you are a good customer who generally doesn’t have problems. Other fees, like balance transfer fees and annual fees, may require more negotiation. However, it doesn’t hurt to call and ask for a fee reversal.

Carolyn Secor P.A. focuses its practice in the areas of Bankruptcy and Foreclosure Defense in Clearwater, Florida.  For more information, go to our web site
or call (727) 254-1704.