Patricia Dzikowski

Patricia Dzikowski

Attorney

Fort Lauderdale Bankruptcy Attorney Patricia Dzikowski has been actively practicing law in South Florida since 1983.   Ms. Dzikowski is the owner of the Law Office of Patricia Dzikowski, which offers representation to individuals, businesses and trustees in Chapter 7, 11, and 13 bankruptcies in Miami, Fort Lauderdale, and West Palm Beach, Florida.  

Ms. Dzikowski is a member of the Florida Bar and has been practicing bankruptcy law throughout South Florida for more than 25 years. She served as a panel bankruptcy trustee for more than 15 years, having administered more than 18,000 Chapter 7 cases.   She has also served by appointment as a Chapter 11 Trustee, Chapter 11 Examiner, and the in-country (U. S.) trustee in a proceeding ancillary to a foreign bankruptcy case.  

In addition to representing debtors, creditors, and trustees in main bankruptcy proceedings, Ms. Dzikowski has litigated numerous adversary proceedings through trial and appeal. She has prosecuted and defended appeals before the United States District Court and the 11th Circuit Court of Appeals in Miami and Atlanta. Ms. Dzikowski has also represented parties at mediation and settlement conferences.

Attorney Dzikowski currently authors articles on bankruptcy, consumer finance, debt resolution, and other consumer law topics for the Nolo website as well as for other websites in the Nolo network.                    

Ms. Dzikowski is a graduate of the University of Miami Law School (JD) and also has a Master’s degree in Business Administration (MBA) and an undergraduate degree (BA) in Politics.  

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Articles By Patricia Dzikowski

Florida Restrictions on Payday Loan Lenders
While payday lending is legal in Florida, it is subject to strict limitations. If you have a problem with a Florida payday lender, you can turn to the state for help. But if you obtained the loan from an out-of-state lender over the Internet or the telephone, the help that Florida can provide may be
Florida Restrictions on Rent-to-Own Contracts
Florida law governs the contents of rent to own contracts. If the contract contains terms which are prohibited under the law, those terms are void and cannot be enforced against you in court. Moreover, anyone who violates the law may be subject to penalties which could include fines and you could recover
Protections for Social Security Funds in Bank Accounts
If you have Social Security money deposited into a bank account, it might be protected from judgment creditors.
Negotiating on Credit Card Debt
You can often negotiate better interest rates, payment dates, and even long-term payment plans and settlements on your credit card debt.
The Marital Adjustment Deduction on the Means Test
If you are filing for bankruptcy without your spouse, the marital adjustment deduction may help you qualify for Chapter 7 bankruptcy.
Florida Wage Garnishment Laws
Florida law limits the amount that a creditor can take or seize or "garnish" from your wages to repay your debts. The Florida wage garnishment laws (also called wage attachments) generally follow the federal wage garnishment laws but some exemptions are available in Florida which might limit a creditors rights to garnish your wages.
Georgia Wage Garnishment Laws
Georgia wage garnishment laws limit the amount that judgment creditors can take from your paycheck.
Florida Foreclosure Statutes of Limitations
Under Florida law, your mortgage holder has five years to foreclose on your home; but one year to bring a deficiency action.
Defenses to Credit Card Debt Lawsuits
If you are sued by your credit card company, there are some defenses that can help you.
New York Wage Garnishment Laws
New York State law limits the amount that a creditor can garnish (take) from your wages for repayment of debts. New York State wage garnishment laws (commonly called income executions in New York) are only slightly more restrictive than federal law.