Helping Families Save Their Homes Across Florida
If you are struggling to meet your financial obligations and feel as if you have tried everything to resolve your problems, a personal bankruptcy filing may be what you need to get a fresh start. Whether you have lost a job, incurred significant medical expense, gone through a divorce or got caught up in the sub-prime mortgage trap, a bankruptcy filing under Chapter 7 or Chapter 13 can get you relief from threatening calls and letters and help you keep many of your assets, including your home.
Our Bankruptcy Practice
We handle all matters related to "Individual" Chapter 7, Chapter 13, and Chapter 11 bankruptcy proceedings, preparing and filing all the necessary documents and acting as your advocate with creditors, the bankruptcy trustee and the court.
When you hire us to help you with a individual bankruptcy filing, our first step will be to determine which bankruptcy Chapter is best suited for your case. If you have a primary residence or investment property you wish to retain, we will analyze whether you are eligible for a Chapter 13 or 11 filing.
If you are a consumer without mortgage concerns, we will determine whether you qualify to discharge your debts under Chapter 7. Under the recent revisions to the bankruptcy laws, you must qualify under a "means test," whereby you demonstrate to the bankruptcy court that you lack the means to pay your creditors back over a 3 to 5 year period.
If you qualify for protection under Chapter 7, you will be able to discharge certain debts to give you a chance to recover from your financial difficulties. We will help you understand which debts cannot be discharged in a Chapter 7 filing, so that you can decide if you want to go through that process. We will also make certain that any exempt assets, such as your principal residence, your car and retirement funds, are excluded from the bankruptcy sale.
If you fail to qualify for Chapter 7, your recourse in bankruptcy will be under Chapter 13. In a Chapter 13 proceeding, you restructure your debt, agreeing to pay your creditors in full over a 3 to 5 year period. We will help you put together a plan for reorganizing your debt and will review any proposed repayment plans to make certain they are within your means.
Some consumers will qualify for neither a Chapter 7 or 13 and are relegated to filing a Chapter 11 case.
We are actively involved in the National Bankruptcy Forum, as well as the National Association of Consumer Bankruptcy Attorneys. See their sites for more information.
To schedule an appointment, contact our office by e-mail or call us at (904) 302-6409 or toll-free at (866) 491-6362. If you have been served with foreclosure papers or your house is about to be sold at a foreclosure auction and you need immediate help after-hours or over the weekend, you can call one of our lawyers on our after-hours hotline at (904) 349-3005.
Helping Families Across Florida Save Their Homes
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.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
