Michael E. Golub, P.A.
Representing clients in Tavares and communities throughout central Florida.

What impacts may the Equifax breach have?

When the major credit bureau Equifax announced its customer files had been hacked, it caused a major uproar. Many people in Florida found out their files had been compromised and their sensitive information had been leaked. While Equifax worked to combat consumer fear, there was no erasing what had happened. Now consumers are left wondering what this means for their credit and finances in the future.

The main concerns stem from the fact credit card numbers, personal identifying information and even passwords or security codes could have been stolen. There is a high chance if a person's information was taken, he or she may face issues with credit fraud or identity theft in the future. The scariest part is there is no real time limit on how long consumers need to watch their credit for suspicious activity because it could be used years into the future.

When you should use your right to remain silent

If a law enforcement officer arrests you, you may hear those famous words, “You have the right to remain silent.” This is part of the Miranda warning, which refers to your Fifth Amendment protection to refrain from providing testimony that the prosecutor could use against you in court.

There are several situations when you should exercise this right.

4 things you need to do to financially survive a divorce

If you are the father and main breadwinner in your family, and you or your wife decide to end your marriage, you face the reality of providing for two homes. This can be a daunting thought, especially if you are used to barely getting by. As you prepare for your divorce and determine how to come out of it as unscathed as possible, there are a few things you can do to financially prepare.

1. Know your assets up front

The consequences of late credit card payments

Once you stop paying credit card bills, things can go downhill fast. If you get a sinking feeling in your stomach when your monthly bill comes in, it is crucial for you to understand the consequences of missing payments. Here is what you can expect to happen when your credit card bills are left unpaid.