Is Bankruptcy a smart option for you? Are you:
- Drowning in Debt?
- Facing Foreclosure?
- Threatened with Wage Garnishment?
- Fearful You'll Never Get Out of Debt?
If so, NOW might be the best time to discuss your options with an experienced bankruptcy attorney!
Call 866-943-7975
Free Review and Consultation
Quality Legal Representation
What is Bankruptcy?
Bankruptcy is the legal proceeding involving a person (Chapter 7 & Chapter 13) that is unable to repay their outstanding debts. The bankruptcy process can deliver freedom from debt to individuals and business while simultaneously providing repayment for their creditors. A bankruptcy begins with a petition filed by the debtor or on behalf of their creditors although that second option is not very common. All of the debtor’s assets are measured and evaluated, and the assets may be used to repay a portion of outstanding debts.
Who can benefit from filing Bankruptcy?
Bankruptcy can provide a fresh start to eligible consumers 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:
- Stop and recover garnishment funds
- Stop repossessions
- Reduce car loan balances and interest rates
- Stop foreclosures and cure mortgage arrears
- Eliminate or reduce taxes
Even with all of these wonderful benefits, our firm believes that bankruptcy should be a last resort for anyone in financial distress.
Which BK filing is right for you?
In order to determine which bankruptcy filing might be right for you, ask yourself these questions.
- Do your debts consist of Credit Cards, Unpaid Medical Bills/Collections, or Wage Garnishments?
- Do your debts also include your Mortgage, Car Loan(s), or are you in an active Foreclosure?
If you answered yes to question number 1, your best option is a Chapter 7 Bankruptcy.
If you answered yes to question number 2, a Chapter 13 Bankruptcy may be the right option for you. Schedule a FREE consultation with us today 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 and Chapter 13 Bankruptcy.
You might also not be aware that there are qualifications and criteria for each of these bankruptcy filings.
- A 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 13 is a Reorganization/debt repayment for individuals with “regular income”.
Why choose us?
Compassionate
We understand where you're coming from. Members of our team have experienced extreme financial difficulty in the past and are here to help you get through these troubling times.
Experienced
Our Senior Attorney has been practicing law in Florida for over 12 years and knows Bankruptcies inside and out. You can utilize his 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.