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Does this sound like your situation? - My household makes less income than we used to.
- My take home pay is just enough to pay basic expenses, not the credit card bills.
- We can't pay even our basic expenses, much less our credit card debts.
- I have a lot of medical debts, credit card bills, and other debts.
I'm in over my head! Deciding whether to file for bankruptcy can be confusing. There are different types of bankruptcy that work better in certain situations. There are also other options that can provide debt relief. I offer sympathetic legal help, but I do not candy-coat anything. It is essential for you to know that you are getting honest information that will prepare you to face your situation head-on and make the choices that are right for you. Your initial consultation is FREE. Call now 407-207-1902
Bancarrota Weekdays, Evenings & SaturdaysChapter 7 Bankruptcy Despite the hype, Chapter 7 bankruptcy is still available for most people and small businesses, even after the 2005 change in the bankruptcy laws. It is not available for everyone, but if you qualify it could be the solution you need to finally get out of debt. If you have declared bankruptcy before, within the past eight years, you will not be eligible for Chapter 7 personal bankruptcy and will need to look at filing Chapter 13 bankruptcy. Chapter 7 is sometimes called "fresh start" bankruptcy because it can relieve you completely of some kinds of debt (such as credit card debts and medical bills) and temporarily stop foreclosure. You will need to co-operate with a Trustee assigned by the court and, in most cases, attend only one hearing. Florida bankruptcy lawyer Carmelina Marin works closely with every client, providing sound legal advice that helps clients save their assets while discharging their debts. Chapter 13 Bankruptcy Chapter 13 bankruptcy is also called "debt reorganization." Like Chapter 7 bankruptcy, it can completely erase credit card and other unsecured debt, however Chapter 13 requires you to propose, and make payments into, a Chapter 13 a repayment plan. Filing for Chapter 13 bankruptcy stops creditor harassment, home foreclosure, and car and property repossession while giving you breathing room to get back on your feet and pay your bills. Filing Chapter 13 bankruptcy in Florida can also help you begin to rebuild your damaged credit rating. If you have received a Chapter 7 bankruptcy discharge of debts within the past eight years, you are not eligible for Chapter 7, but you may still qualify to file for Chapter 13 bankruptcy in Florida bankruptcy court. Your initial consultation is FREE. Call now 407-207-1902
Bancarrota Weekdays, Evenings & Saturdays
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