IF YOU ARE FACING FINANCIAL HARDSHIP CALL US TODAY

Even though you have a federal right to file bankruptcy that likely does not make you feel any better. We understand. No one wants to file bankruptcy. But unfortunately, there is no other choice for many people. Most bankruptcies are filed as a result of medical bills, job loss, divorce, or other unexpected hardships that are not foreseen by the honest debtor. Bankruptcy is a result of bad circumstances not bad people.

As a kid, an elder who you respect likely conveyed to you the broad and undefined principle that “you always pay your debts.” It is a sound and good principle to live by, but like the purpose of bankruptcy, this principle is often misinterpreted and results in honest debtors feeling anguish and shame over having to file bankruptcy. If you have the ability to pay your debts and there is no good faith dispute over the validity of the debts, in principle you should pay those debts and under the law you must.  However, if you always intended to pay your debts but do not have the ability because of unfortunate circumstances, you are not the person your elder was teaching you not to become, and you are the person our founding fathers intended to protect.

There are also laws in Florida that were designed to protect certain property from the reach of creditors for the same or similar reasons. Please, before you tap into retirement accounts or other property that may be exempt from creditors, call us. Despite your efforts to avoid bankruptcy, you may nonetheless be forced to file. We encourage you to at least explore your federal right to file bankruptcy before depleting resources that will help provide for you later in life. The consultation is free and the decision to file is still yours.

If you decide to file, our firm will guide you through these steps:

  • Deciding Which Chapter to File Under
  • Filing the Paperwork
  • Stopping Repossession and Foreclosure
  • Credit Counseling
  • Giving All Necessary Documents to the Trustee
  • Meeting of the Creditors
  • Discharging the Debt

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