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A senator files for Chapter 7 bankruptcy

On behalf of Bankruptcy Law Firm of Clare Casas on Tuesday, July 15, 2014.

Debts of $931,000 have led to the move by a state senator, along with his wife, to file for bankruptcy recently. Court records show that the couple filed for Chapter 7 bankruptcy. The senator and his wife are just two more American consumers – some of whom are from Florida – who have become overwhelmed by debt.

The records show that the biggest part of the debt is the result of a business that failed. The senator and his wife borrowed money to start a small business in 2009. The money was borrowed from the federal government. The loan of $613,000 was to open a business, which was meant for assisting parents in finding suitable camps to send their children.

At the beginning of this year, the Small Business Administration, a federal government organization, sued for an amount of $750,000 after the couple had not made any payments toward the loan for a number of months. The SBA attempted to contact the senator, but he apparently did not answer the calls made to any of his numbers. The senator indicated in April that he and his wife are considering filing for personal bankruptcy in order to pay their outstanding debts.

Chapter 7 bankruptcy, as filed by the senatorial couple, typically discharges unsecured debts and offers protection against creditor harassment, while Chapter 13 bankruptcy offers the prospect of a court-approved payment plan for those who have a steady monthly income. The couple will be required to sell the nonessential assets listed by them in an attempt to start paying off the debts owed. Like the senator, consumers in Florida may find that opting for one of these possible solutions can provide them with a chance to make a fresh start and a renewed effort at achieving a good credit score.

Source:, "$900K in debt, Nienow files for bankruptcy", July 11, 2014

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