
Bankruptcy Filings Rose 14 Percent in Early 2026: What the Numbers Say About Household Strain
Epiq AACER data show U.S. bankruptcy filings rose 14 percent in the first quarter of 2026, with individual Chapter 7 cases up 17 percent.

Epiq AACER data show U.S. bankruptcy filings rose 14 percent in the first quarter of 2026, with individual Chapter 7 cases up 17 percent.
When a bill passes or dies, a rule is adopted or new numbers land, the original article stays intact and gets a dated update. These are the latest.

Florida regulators say October rate cuts of up to 12.1 percent reach over 824,300 homeowners, with more due through January. What to check at renewal.

Under Florida law, a condo association's hurricane deductible is a common expense. What Isaias repairs could mean for unit owners' assessments and budgets.

Florida condo sales rose 3.1% in Q3 2026, but the median price was flat and supply hit 7.7 months. Broward's median fell 14.55% in September.

A proposed amendment to Florida Rule of Civil Procedure 1.700 would require audio and video whenever mediation is conducted by communication technology.

The Florida Supreme Court amended Rule 2.540's ADA notice requirements, effective July 1, 2026, and sent a remote deposition video proposal to the civil rules committee.

The Court declined proposed Rule 1.700 amendments that would have required audio and video in remote mediations. What counsel should do instead.

Amendments to Florida's proposal for settlement rule take effect January 1, 2026. The 30-day clock still runs during mediation, and timing still matters.

Education and Treasury launched a Defaulted Loans Support Center on September 30. What it offers, and how the auto pay rate cut fits in for borrowers leaving default.

Kolter and BH Group now own 163 of 172 units at Port Royale in Miami Beach. How Florida's 5 percent rejection rule shapes the last stage of a condo buyout.

The Fourth DCA held a condo association cannot win a money judgment for unpaid assessments it pleaded only as a defense. Lessons for collection disputes.

Fifteen states and D.C. now limit medical debt on credit reports, but Florida is not one of them. Florida patients still have collection protections worth knowing.

The Federal Reserve kept its benchmark rate at 3.5 to 3.75 percent on April 29 as a jump in energy prices lifted inflation to 3.3 percent.

The Federal Reserve raised its benchmark rate to 3.75 to 4 percent as inflation stays above target. Here is how the increase reaches credit cards and loans.

In Univabs v. The Radiology Group, the Eleventh Circuit affirmed a $620,000 award and held a Georgia choice-of-law clause did not displace the FAA.

An Orange County HOA has delayed board elections for two years while appealing a DBPR arbitration order. Why the forum chosen for an HOA dispute matters.

Two Roads and the Biscayne 21 holdouts settled for about $50 million after a Third DCA loss. The case shows the cost of letting a termination dispute run its course.

Six people were charged with stealing $5.8 million from Miami-Dade condo associations. Owners in those buildings still owe fees and special assessments.

The Sixth District held that a timely request for trial de novo can reject a non-binding arbitration award under Rule 1.820(h), certifying conflict with two districts.

Florida associations filed 49,447 liens in 2025, more than any state. Here is how a lien for unpaid assessments works and what options owners have.

The New York Fed's Q2 2026 report shows total debt edging down while credit card and auto balances grow. What the numbers mean for South Florida borrowers.

In Haught v. Eagle Palms, Florida's Second District held that an HOA may pursue both lien foreclosure and a money judgment for unpaid assessments.

The Third DCA affirmed a directed verdict against a North Bay Village condo association that could not rule out common element pipes as a leak's source.

Since July 1, 2026, revised section 617.0832 decides who carries the burden when owners challenge a board contract with a director's company or relative.

Florida's January 2026 property insurance stability report shows another sharp drop in lawsuits. The data points to where early resolution can still save money.

OIR's July 2026 report shows property insurance suits falling, yet South Florida litigation rates stay high. The data points to a larger role for early resolution.

In Keathley v. Buddy Ayers Construction, the Supreme Court said courts must weigh all the circumstances before barring a debtor's undisclosed claim.

Florida had the worst state foreclosure rate in the first half of 2026, and starts are climbing. Here is what homeowners behind on payments should know.

A Miami Herald investigation of a 643-unit Brickell tower shows how short-term rentals turn into governance, election and records fights inside a condo.

The Florida Supreme Court held that trial courts may award prejudgment interest when dividing marital property, a discretionary remedy that can change settlement math.

A divided Florida Supreme Court held that Rule 1.442(c)(3) requires apportionment of every joint proposal for settlement, even one on a unified, single claim.

Updated Census median income figures apply to bankruptcy cases filed on or after April 1, 2026. Here is what the new Florida numbers are and why they matter.

As Surfside marked five years since the Champlain Towers South collapse, NIST released its findings. What it means for boards and owners arguing over repairs.

In Pung v. Isabella County, the Supreme Court held that a former owner whose home is sold for unpaid taxes is owed the sale surplus, not the home's market value.

The Education Department is telling SAVE borrowers to pick a new repayment plan. The timeline, the new options arriving July 1, and how to plan the household budget.

RAP and Tiered Standard plans open July 1, autopay borrowers get a 1 percent rate cut, and defaults reached a record 9.16 million in April.

SB 1028 creates a Citizens clearinghouse that can move condo association policies to surplus lines carriers. What boards and owners should watch.

A Miami appeals court upheld a default condo lien foreclosure, and a bankruptcy court held an association's lien survived a Chapter 7 discharge. What owners should know.

A unanimous Supreme Court held that in-state delivery drivers on an interstate route can qualify for the FAA's transportation-worker exemption.

April 2026 data show Miami's median condo price up 1.1% while Broward's fell 7.9%. What the numbers mean for owners behind on dues or facing assessments.

A unanimous Supreme Court held that a federal court that stays a case for arbitration keeps jurisdiction to confirm or vacate the resulting award.

HB 803, signed May 6, bars HOAs and their architectural committees from requiring a building permit before reviewing an owner's project, starting July 1, 2026.

The Fourth DCA reinstated a lender's suit against an HOA, holding that a dispute over service of a section 720.311 mediation demand could not be resolved on dismissal.

A Fort Lauderdale federal judge froze assets of an operation the FTC says sold fake PPO plans, leaving some buyers with substantial medical debt.

Florida condo sales rose 12% in March 2026, but the median price was flat and supply stood at 9.1 months. What the numbers mean for owners facing assessments.

New Federal Rules of Bankruptcy Procedure take effect December 1, 2026, changing course-certificate notices, credit card claims and remote testimony.

The Fourth DCA reversed an HOA's fee award as premature after a covenant fight that began with a pre-suit mediation settlement. A concurrence maps the fee traps.

Fannie Mae and Freddie Mac dropped Florida-specific condo restrictions but raised reserve rules. What it means for owners facing assessments or trying to sell.

The Florida House voted 105 to 3 to make Citizens' DOAH arbitration optional for policyholders. What the bill would change and what it means for claim disputes.

HB 6003 would let adult children and parents of adult decedents recover noneconomic damages in medical negligence death cases. It is now ready for the House floor.

HB 657, filed for the 2026 session, would allow HOA dissolution by a two-thirds vote, remove presuit mediation and create community association courts.

A Senate committee unanimously advanced SB 1498, which would expand HOA records access and codify Avatar v. Gundel on developer club fees. A look at the dispute angles.

The House Commerce Committee advanced HB 657, which would eliminate presuit mediation for community associations and let circuits create association court programs.

Amended Rule 9.710 lets appellate courts refer certiorari petitions on local government quasi-judicial decisions to mediation, effective July 1, 2026.

Defect suits by new South Florida condo associations keep rising. How Chapter 558 notice, turnover certification and the repose clock shape these disputes.

A unanimous Supreme Court held that a federal judgment must be vacated when a nondiverse defendant was wrongly dismissed after removal. What it means for case valuation.

Early IRS figures show the average refund up 14.2 percent from last year. How households carrying debt can plan a refund, and how refunds are handled in bankruptcy.

The Fourth District held that Rule 1.222 lets one mobile homeowners' association sue for its own members, not a joint class with another association.

A House panel voted 15-0 to expand the condo hurricane mitigation grant program beyond the coast, limited to buildings where most occupants earn 80% of AMI or less.

The Third District affirmed a fee judgment against a Bal Harbour condo association that raised its timing objection only on rehearing. Lessons for fee disputes.

Miami-Dade and Broward condo sales rose in December 2025 while median prices fell and supply topped 11 months. What that means for owners facing high fees.

Total U.S. bankruptcy filings reached 565,759 in 2025, with individual Chapter 7 cases up 15%. Here is what the trend means for people in South Florida.

A federal judge ruled on December 30, 2025 that declining to request CFPB funding violates her injunction. A look at what the fight means for consumers with debt.

Homes.com data show condo sales and prices falling in Miami, Tampa and Orlando in 2025, with safety-law assessments cited as a main driver.

The Eleventh Circuit held an arbitration clause barring plan-wide ERISA relief unenforceable, and a non-severability clause took the whole procedure down with it.

In Loumpos v. Bank One, the Florida Supreme Court held that a bank account opened by one spouse can later become a protected tenancy by the entireties account.

The Fed lowered its benchmark rate to 3.5% to 3.75% on December 10, 2025. Credit card rates may ease slightly, but fixed loans and mortgages will not change much.

Citizens recommended an 8.3% average cut for multiperil condo unit owner policies in 2026, but wind-only unit owner policies would rise 5.6% on average.

Shoppers used buy now, pay later for a record $1.03 billion on Cyber Monday 2025. A look at why these small installments can add up and how to keep track of them.

In Lock Properties v. Kelly Plantation, the First DCA reversed an order forcing an owner to tear off a stone-tile roof installed without HOA approval.

U.S. household debt rose $197 billion in the third quarter of 2025 as student loan delinquencies stayed high. What the numbers mean for Florida households.

A Pompano Beach seller paid a $1,250 lien tied to her building's missed 40-year recertification. What owners should watch for as inspection deadlines arrive.
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