Bankruptcy Filing Center

Bankruptcy Filling Center

Statewide Network of Skilled Attorneys

We Service the Entire State for Personal and Business Bankruptcy!

Virtual appointments Statewide due to Covid-19.

Experienced attorneys who know how to stop banks & collection companies. With the COVID-19 virus came special legislation to protect you during though times. Contact us or visit our business bankruptcy website if you are looking for help for your company.

How Can CLA Help You

If you or your business are unable to repay outstanding debts, then Bankruptcy may be the next logical legal step to help protect you and/or your business. The bankruptcy process can deliver freedom from debt to individuals and business while simultaneously providing repayment for their creditors. In most cases a bankruptcy begins with a petition filed by the debtor (you or your business).

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    Who can benefit from filing Bankruptcy?

    Bankruptcy can provide a fresh start to eligible consumers and businesses by wiping out (discharging) certain debts like credit cards and a variety of different loans. Bankruptcy can also be used (in certain circumstances) as a way to:

    Even with all of these wonderful benefits, our firm believes that bankruptcy should be a last resort for anyone in financial distress.

    Our Bankruptcy Attorneys Are Here to Help if You are:

    Drowning In Debt

    Facing Foreclosure

    Threatened With Wage Garnishment

    Trying To Avoid Auto Repossessions

    Being Harassed By Collection Companies

    Looking For A Way To Legally Wipe The Slate Clean

    Which BK filing is right for you?

    In order to determine which bankruptcy filing might be right for you, ask yourself these questions.

    If you answered yes to question number 1, your only options are Chapter 7Chapter 13Chapter 11 , or Chapter 11 sub 5 Bankruptcy. If you answered yes to question number 2, any chapter may work for you depending on your circumstances and you should review each Chapter or schedule a consultation to have your options evaluated and explained.

    What are these Chapters and
    how do they work?

    You may or may not know that there are different types of bankruptcy filings. These types are called chapters because they refer to different chapters in the United States Bankruptcy Code. Each of these chapters allow for different types of debt relief for different types of individuals and entities. For this page we will focus more on Chapter 7, Chapter 11, and Chapter 13 Bankruptcy and ignore Chapters 9, 12, and 15.

    Chapter 7

    Bankruptcy is sometimes referred to as a “personal bankruptcy” case. Chapter 7 has also been called a “Personal Bankruptcy”, “Straight Bankruptcy,” and “Bankruptcy Liquidation.

    Chapter 11

    is a Reorganization or Restructuring of corporations and partnerships.

    Chapter 13

    is a Reorganization/debt repayment for individuals with “regular income”.

    Debt Settlement vs Bankruptcy and why bankruptcy may be the better option

    The Covid-19 pandemic has put many people all around the world in a financial struggle that nobody could have imagined. Credit cards have been maxed out and mortgage and personal loans have been defaulted on which opens the doors for a lot of unwanted creditor phone calls and law suits. With consumer debt reaching the highest we have ever seen, many hard-working people are now having to weigh their options between debt settlement and filing bankruptcy. But what people don’t know is how they may be affected by this in the long run. Many people have chosen to go into debt settlement only to realize that they put themselves in a potentially dangerous situation only to end up right where they began.  However, filing bankruptcy can legally relieve you of your debts as well as all the stress that comes with it.  Before making your decision, it is important to speak to a professional to make sure you are making the right choice. Below are some things to know about debt settlement and bankruptcy.

        Debt settlement is when a debt settlement company will try to negotiate a settlement in an attempt to reduce the overall amount of debt that you owe, but this has a very low success rate and in the long run will leave you open to lawsuits. It is not a legal process so for a debt settlement company to try and settle your debts they must threaten your creditors that you are going to stop paying them in attempt to negotiate a settlement.  Those creditors are under no legal obligation to accept your debt settlement company’s offer; therefore, they can sue you. They can then obtain a judgment against you and go after your bank accounts, attach your paycheck and more. This process will also delay resolving your most critical debt as the negotiation and payment process can take up to 2 or more years. This leaves you open to harassing phone calls and lawsuits throughout the entire process. You will also be subject to pay income tax on any unpaid debts that may be negotiated. For example, if you owe a debt in the amount of $25,000 and it is negotiated down to $15,000, the government will view the remaining $10,000 as income and you will be required to pay taxes on it. It is important to know all the pros and cons before making a decision to go into debt settlement.

       Bankruptcy is your chance to legally wipe out most or all of your debts at one time which is often the best option to eliminate the exposure of potential lawsuits, judgments, bank account attachments and pay garnishments. It will even stop those unwanted and harassing creditor calls and letters. Bankruptcy can also save you from possibly losing your home to foreclosure, or your vehicle from repossession. Since the pandemic, many people have filed bankruptcy to give them the fresh start they need by being a quick and efficient solution to their debt problems. Bankruptcy is not a business negotiation, it is a legal process designed to protect consumers, and the best part is you do not have to pay taxes on the debts that are dissolved. You want to make the best decision for you and your family so it is important that you speak to a legal professional to make sure you are making the right choice. We all need to move forward, and it’s never been more important that we make the right decisions for our future.

    Why Choose Us

    Our firm believes everyone deserves quality and compassionate legal representation. Let our years of experience work for you.

    Compassionate

    We understand where you’re coming from. All members of our team have years of experience helping people who are having extreme financial difficulties. We are here to help you get through those troubling times.

    Experienced

    Our Attorneys have helped thousands of consumers and have been practicing law in the state of Florida for decades. We know bankruptcy and consumer law inside and out. You can utilize our years of experience to navigate your current situation and find a solution.

    Aggressive

    We are a passionate and aggressive firm dedicated to protecting consumer rights. If any of your creditors have violated your rights, WE WILL pursue them for damages on your behalf.

    $0 Down Bankruptcy Filling

    Many of our clients opt to pay for fees as soon as possible or on a retainer basis, however some prefer to utilize our Zero Down payment option, if you qualify, and we agree it will assist you with your access to the bankruptcy court and its rights and protections.

    How It Works:

    After hiring our firm and signing our engagement for services agreement, generally speaking, the court filing fees and costs will be paid up front. These can be waived in certain circumstances. You do not pay anything initially for our attorney fees. We can work out a payment plan with you, where you are aware of our attorney fees in advance for our services. You’ll pay on a monthly basis for an agreed term until our attorney fees are paid. Some clients find this help to allow them to meet all their obligations while the bankruptcy process proceeds. For more details please follow the link below or call our office.

    Free Consultation

    No Money Down Bankruptcy Filing


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      Disclaimer:The information you obtain at this site is not, nor is it intended to be, legal advice. You should consult an attorney for advice regarding your individual situation. Contacting us does not create an attorney-client relationship. Please do not send any confidential information to us until such time as an attorney-client relationship has been established.The hiring of a lawyer is an important decision that should not be based solely upon advertisements. Before you decide, ask us to send you free written information about our qualifications and experience.