The old adage is that if it sounds too good to be true it probably is not true. Florida and all other states have been experiencing an influx of mortgage foreclosure "rescue" scams that have had a devastating effect on many older citizens who placed their trust in the soothing words of some cold-hearted criminal actors. Foreclosure alternatives may work in some circumstances, but not when the alternative is actually part of a plot to engage in "deed theft" of the owner's property.
A consumer bankruptcy has seen a rise in costs and legal fees since 2005, when Congress passed a revised Bankruptcy Code that made the process more difficult and added considerable paper work for successful completion of a case. That is perhaps why bankruptcy attorneys nationwide, including in Florida, see a decided increase in filings in the first few months of each calendar year. Individuals or married couples may use the funds from their tax refunds to pay for the filing fees and legal fees.