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Bankruptcy Lawyer in Florida, FL

If you have been searching endlessly for information on a bankruptcy case, workers’ compensation, divorce, or any area of the law and have found nothing but long, hard-to-read articles, don’t worry! At legalfacts.org, we have easy-to-read and easy-to-understand articles that explain complicated legal issues in a way that anyone can understand how the law works.

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If you need to learn more about bankruptcy and how it works in Florida, read on!

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What is the Fresh Start Program?

We all took a hit of uncertainty and despair during 2020. After so many disasters and so many ruined plans, it is normal that many fell into debt after the devastating events of a difficult and confusing year for everyone.

Right now, we are still struggling, but for some, it may seem like a futile struggle with debt and problems. And at legalfacts.org, we know this is not true and that there is hope for you and your debt problems. In the United States, there is a legal alternative that will be able to get you out of most of your debts, so you can breathe easy once again.

There are many rumors that place bankruptcy as the end of your financial life and your credit score, but these are nothing more than unfounded myths, read on to learn about the reality of this new financial beginning!

Experience

If you decide to file for bankruptcy, but you are unfamiliar with the laws surrounding this process, it may be a bad idea to do so on your own. An excellent bankruptcy attorney will have all the experience necessary to make your bankruptcy filing successful. In addition, a bankruptcy attorney knows the state laws and regulations inside and out, and will guide you through all the procedures.

Assess all your options

The extensive financial knowledge of an experienced bankruptcy attorney will allow him/her to diagnose your financial situation, and then determine what type of bankruptcy is best suited for your situation. You may want to get rid of your debts quickly, in which case the attorney will recommend chapter 7 bankruptcy. Or you may have a steady income and qualify for chapter 13 bankruptcy.

Protection from creditors

You may be receiving constant calls, and even visits, from creditors demanding payment of your debt. However, if your creditors know that you have an excellent bankruptcy attorney on your side, they will leave you alone immediately. Your bankruptcy attorney will make sure they stay away from you. He or she will tell you about the types of behavior that are considered abusive, and about the rights you have in your position. Once you file for bankruptcy, creditors are legally required to stop collecting on the debt.

Save your home or vehicle

If you are facing foreclosure proceedings, or if you are receiving threats to repossess your vehicle, hiring a bankruptcy attorney may be your best option to save those precious assets. The attorney will explain to you the options you have to have the best chance of keeping them. In addition, he/she will assist you in making lists of exempt assets, so that you do not make any mistakes during the procedure and end up losing something important to you.

Peace of mind

Retaining the services of an experienced bankruptcy attorney will make the entire process much easier. If you are going through a difficult financial time, you do not need to stress about legal procedures, when you can entrust it to someone who is much more experienced than you are in this field. Once you retain the services of an attorney, you can relax a bit, and then focus on rebuilding your finances with some peace of mind.

What Are The Benefits of Bankruptcy in Florida?

When you file for bankruptcy, in certain cases you will have to sell your assets to pay your debts. However, there is the possibility of exempting your most important assets depending on the case you file. In Florida specifically, you have the option of opting for the state-specific list, so you can have a wide selection of exempt assets beyond those that are pre-established nationwide. 

In addition, Florida has excellent legal professionals who will be sure to protect you from pesky creditors and guide you through the process of filing bankruptcy. Keep in mind that not all debts can be discharged, all secured debts such as child support, some taxes, and student debt will still be present. 

You should also know that there are 3 different types of bankruptcy and a Florida bankruptcy attorney will help you determine which one best applies to your case. Be sure to read on to learn more about these types.

What Are The Different Types of Bankruptcy in Florida?

Chapter 7 Bankruptcy

If you feel that debt is overwhelming you and you are already at your limit and all you want is to get rid of the financial worries as soon as possible, Chapter 7 bankruptcy is the quickest of all and the most relatively simple.

In this type of bankruptcy, the bankruptcy court will assign you a trustee who will be in charge of selling your assets so that with those proceeds you can pay your creditors the outstanding debts. There is a possibility that you may not have to sell all of your assets, it will depend on your case and the proof of means that you present to the court.

Chapter 7 Bankruptcy

If you feel that debt is overwhelming you and you are already at your limit and all you want is to get rid of the financial worries as soon as possible, Chapter 7 bankruptcy is the quickest of all and the most relatively simple.

In this type of bankruptcy, the bankruptcy court will assign you a trustee who will be in charge of selling your assets so that with those proceeds you can pay your creditors the outstanding debts. There is a possibility that you may not have to sell all of your assets, it will depend on your case and the proof of means that you present to the court.

What Can A Chapter 7 Bankruptcy Attorney in Florida Offer You?

Sometimes, depending on your case, you may choose to lose less or no assets, declaring it as a “non-exempt case”. But you are more likely to do so with a legal professional who is experienced and knowledgeable enough to advocate and work on your behalf.

First of all, the Florida bankruptcy lawyer will make sure to collect all the paperwork requested by the court and will advise you impartially and objectively on the best decisions to make in this type of case.  So hiring a legal professional may be the best decision you can make.

Chapter 13 Bankruptcy

In this type of bankruptcy, you do not have to worry about losing your valuable possessions at all, since in this type of bankruptcy you will be restructuring your finances according to the court’s recommendations. However, you must have a steady income to be able to qualify for this type of bankruptcy, which is why it is also known as a wage earner’s bankruptcy.

Once you qualify, you must make sure that you follow the plan diligently, because if you do not meet the established payments, actions will be taken to sell your assets and pay the remaining debt to your creditors. Discipline is the key to success!

Chapter 13 Bankruptcy

In this type of bankruptcy, you do not have to worry about losing your valuable possessions at all, since in this type of bankruptcy you will be restructuring your finances according to the court’s recommendations. However, you must have a steady income to be able to qualify for this type of bankruptcy, which is why it is also known as a wage earner’s bankruptcy.

Once you qualify, you must make sure that you follow the plan diligently, because if you do not meet the established payments, actions will be taken to sell your assets and pay the remaining debt to your creditors. Discipline is the key to success!

What Can A Chapter 13 Bankruptcy Attorney in Florida Offer You?

A Florida bankruptcy attorney can help you collect all the tedious paperwork necessary while you can relax a bit during this process. In addition, he or she will make sure to create an organizational plan that will allow you to maintain your lifestyle while paying off your debts.

Before you try to opt for this type of bankruptcy, consult with a Florida bankruptcy attorney who will know how to recommend the best course of action and the type of bankruptcy you should try to qualify for.

Chapter 11 Bankruptcy

If you are the representative, director, or part of the governing body of a large company, Chapter 11 is what you are looking for. For simplicity’s sake, you can compare it to Chapter 13. Like Chapter 13, the court sets out a financial reorganization plan, but it is on a grand scale. 

Since a business has many parts and factors to consider, the financial plan of an organization must be comprehensive and consider all variations. The good thing is that in this type of bankruptcy you can continue to manage your business to stay afloat. Many companies that are currently successful have gone through bankruptcy, such as Marvel, General Motors, among others.

Chapter 11 Bankruptcy

If you are the representative, director, or part of the governing body of a large company, Chapter 11 is what you are looking for. For simplicity’s sake, you can compare it to Chapter 13. Like Chapter 13, the court sets out a financial reorganization plan, but it is on a grand scale. 

Since a business has many parts and factors to consider, the financial plan of an organization must be comprehensive and consider all variations. The good thing is that in this type of bankruptcy you can continue to manage your business to stay afloat. Many companies that are currently successful have gone through bankruptcy, such as Marvel, General Motors, among others.

What Can A Chapter 11 Bankruptcy Attorney in Florida Offer You?

Knowing that it is so complex to develop a financial restructuring plan without making mistakes, it is best that you have a legal professional who has the necessary experience to advise you and that your financial reorganization plan that your business is at risk, do not worry, an experienced bankruptcy attorney will know how to help you and guide your company in this type of cases.

In addition, it is important to note that federal bankruptcy law requires businesses to have the services of a bankruptcy attorney to file for bankruptcy.

Is there a Bankruptcy Lawyer near me?

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