Protect Your Home From Foreclosure
Tackle the problem head-on with proactive solutions.
Thousands of families have lost their homes to foreclosure due to the recent recession. If you are facing foreclosure, do not ignore the problem. Instead, educate yourself on the foreclosure process and speak with a foreclosure attorney. By taking the proper steps, you can help your family avoid foreclosure and protect your home.
Why Do I Need An Orlando Bankruptcy Lawyer
Many people believe that they cannot afford a bankruptcy lawyer or wish to navigate the process alone. This is not wise. The bankruptcy process is much more complicated than many people realize. Families lose their way during bankruptcy proceedings all the time, and many people lose assets that they could have retained. Because there are so many available options, its best to work with an expert attorney to determine which path is right for you. Legal help can ensure that you make the very best decisions for your family and explore all your options before making any irreversible decisions.
Qualified And Committed Legal Help
Jeffrey Badgley has practiced law for 35 years and represented thousands of individuals and couples on the path to debt relief. At Badgley Law Group, we have won several major victories in bankruptcy court and have distinguished ourselves in our singular pursuit of our clients interests. We have helped families break the shackles of debt, cut monthly debt payments by hundreds of dollars, rescue their homes, keep their cars and start new lives on confident footing.
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Contact Our Orlando Bankruptcy Lawyers Today
Filing for bankruptcy is a powerful tool that can help provide relief from many types of lawsuits. Chapter 7 and Chapter 13 Bankruptcy provide different kinds of relief from debt. Which case you need to file depends on your specific situation and goals.
If you or someone you know is facing a lawsuit, garnishment, or repossession call us now to speak directly with an attorney and set up a free consultation.
How Do You Find A Bankruptcy Attorney
Youll need to conduct a little bit of research to find the best bankruptcy lawyer for your situation. Start by pulling up a list of attorneys near you. Identify a few lawyers who have high ratings, mostly positive customer reviews and the required credentials in your state.
Once you have a list of three to five potential attorneys you can hire, figure out how much they charge. Ask for a free cost estimate and ask them to explain their fee schedule. Choose an attorney with a solid track record and reputation, fair pricing and the right credentials.
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Individual Or Joint Bankruptcy Options
Connect with one of our legal professionals for a free initial consultation. Let us explore whether an individual or joint bankruptcy will work best for your needs.
Whether married or single, our legal team will investigate your options. We will share the benefits and drawbacks of each bankruptcy possibility.
Contact us to find out more information.
Take Action To Protect Your Assets
Bankruptcy is not the only means of being protected from credit collections. However, in instances where bankruptcy is the best path, it is crucial that you move with speed. Some legal rights will be in jeopardy the longer you wait. One example is asset repossession or a home foreclosure. A bankruptcy filing can prevent these from happening, but only before the sale has been completed. Once the confiscated asset is sold, the debtor loses their legal interest in it and cannot reverse the process. The caveat is that recent purchases will not qualify for bankruptcy protection, so you cannot go on a spending spree in anticipation of filing bankruptcy. Our attorneys will explain bankruptcy law and the bankruptcy process, including any assets that you might have to forfeit in exchange for eliminating debts.
How Do Lawyers Get Paid If They Lose A Case
Lawyers typically charge for their time regardless of whether they win a case. Sometimes, the losing party is ordered to pay the other partys lawyer fees on top of their own. Some lawyers also work on contingency, meaning they will take a percentage of the awarded amount only if they successfully win the case.
Before hiring a lawyer, make sure you understand their fee structure.
Florida Bankruptcy Court Lawyers
At Anderson & Ferrin Attorneys at Law, P.A our Orlando bankruptcy lawyers provide Florida residents with cost-effective representation in matters related to chapter 7, chapter 13, debt restructuring, repossessions, foreclosures, judgments and tax debts. We give clients our personal attention and seek timely resolutions for our clients legal problems.
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How Filing Chapter 11 Bankruptcy Can Help
A Chapter 11 bankruptcy definitely has its benefits, especially for large corporations. It allows them to address their debt while maintaining operations. By filing Chapter 11, a company may be able to survive while it pays its debt, instead of having to close down.
Downsizing and liquidating can be tough, but this type of bankruptcy may offer the only option for a business to stay afloat during tough times.
Chapter 7 Bankruptcy Lawyers In Orlando
What do you need to know about filing for Chapter 7 bankruptcy? First, its important to understand that different types of bankruptcy exist. Each Chapter of the Bankruptcy Code has different requirements and provides a better solution for some than for others. Unlike Chapter 13, Chapter 7 bankruptcy gives debtors a fresh financial start by discharging many types of unsecured debt without ongoing obligations to pay.
In a Chapter 7 bankruptcy, in return for the discharge of debts, a trustee will be appointed to determine if there are any assets to pay creditors. The Bankruptcy Code allows debtors to retain certain assets even when they file for Chapter 7 bankruptcy. In Florida, parties who file for consumer bankruptcy must use Floridas bankruptcy exemptions. These exemptions are broad and ordinarily permit a debtor to keep most of his property. Some examples of Florida bankruptcy exemptions include:
Many other exemptions exist when you file for Chapter 7 bankruptcy in Florida, and its important to discuss your case with an experienced Orlando bankruptcy lawyer. At the law office of Goodblatt · Leo, we can take a close look at your case and help you to understand the exemptions for which you may be eligible.
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How Much Does Chapter 13 Cost The Same No Matter What Law Firm You Choose
Chapter 13 bankruptcy costs the same, no matter what law firm you choose. Your local Bankruptcy Court sets a “no look” fee, meaning, all attorneys can charge the same for a Chapter 13. This usually ranges between $3,500 – $4,500 depending on where you live. And almost all attorneys will file for none of that fee down, you only pay the $310 court filing fee to file. That’s exactly what Geraci Law does.
So why pay the same and not get the name? Geraci law has over 40 years in business, over 200,000 clients filed, and over 30,000 5-star or positive reviews to back it up.
How Filing Chapter 13 Bankruptcy Can Help
In a Chapter 13 bankruptcy, a debtor may be able to eliminate or reduce a second mortgage or other mortgages or liens on a principal residence that were recorded after a first mortgage, depending on the valuation of the home, the amount owed, and other factors, such as whether the creditor has a security interest in assets other than the residence.
Secured claims on motor vehicles may be reduced to the value of the vehicle, depending on whether the loan for the vehicle was incurred in excess of 910 days preceding the filing of the petition.
Complete a Request a Consultation form now
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Contacting Our Affordable Orlando Bankruptcy Attorney Is The First Step Towards Debt Relief
Many people find it difficult to move forward to seek legal bankruptcy advice, thus making financial matters worse as time goes by. We take pride knowing we have helped many good people who have faced a similar financial and stressful situation you may be in at this current time. We will give you the attention and respect you deserve helping you find the best possible solution concerning your current situation. Our Florida bankruptcy Attorney can help save your home from foreclosure, stop collection actions and help eliminate debt.
Our Orlando bankruptcy attorney can supply you with the legal advice and explain the necessary actions required to protect your most valued assets. Dont wait until it is too late, contact us and obtain the legal representation you deserve. Our bankruptcy attorneys are here to help in your time of need.
Can filing For Chapter 7 or 13 Bankruptcy Stop Foreclosure.
It is important to know your mortgage is a secured debt and both bankruptcy chapter 7 and 13 can put an immediate stop on foreclosure including all collection activities. Keep in mind you can never keep a home or a secured debt without paying for it.
to learn more about saving your home and the difference between a chapter 7 and 13 bankruptcy.
Chapter 13 Bankruptcy And Your Credit Report
Chapter 13 Bankruptcy is a reform of debts intended to help property owners keep their home, valuable assets and vehicles. When filing Chapter 13, it may be possible to stop foreclosure, wage garnishments, repossessions, including debt lawsuits. Chapter 13 can significantly reduce or eliminate credit card debt.
Chapter 13 Bankruptcy will remain on your credit report for a period of 7 years from the date of filing. Chapter 13 bankruptcy allows debtors to repay a portion of their debts and can last anywhere from 3 to 5 years. During this time if you need to take out a new loan you must first file a motion and obtain court permission. Keep in mind you must have a valid reason to take on any new debt also showing it will not affect your ability to make your planned payment.
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Why Hire A Bankruptcy Attorney In Orlando Early On
We highly recommend our clients be proactive and contact us for debt relief help before it becomes too late. Much like personal injury clients, the most successful Chapter 7 and Chapter 13 bankruptcy clients are dealt with early. A delay in getting legal advice and retaining an experienced Orlando bankruptcy lawyer can result in costly financial expenses that could have been avoided by getting our professional help from our law office and filing bankruptcy early.
Average Cost Of Filing Chapter 11 Bankruptcy In Orlando
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Bankruptcy Court Process In Orlando Fl
Bankruptcy Court Process in Orlando FL To file bankruptcy in Florida, you must file in the district and division where you reside. Florida has three bankruptcy districts Southern District, Middle District, and Northern District.
If you live in Orange, Brevard, Lake, Osceola, Seminole, or Volusia County, you would file in the Orlando FL Division of the Middle District of Florida. The United States Bankruptcy Court for the Middle District of Florida is the third-busiest bankruptcy court out of the 90 federal districts in the nation.
Orlando Division 400 W. Washington Street Orlando, FL 32801
Mandatory Credit Counseling and Debt Education Courses Before a Chapter 7 or Chapter 13 bankruptcy is filed youll need to complete a credit counseling course with an agency approved by the Middle District of Florida. This course is available in person, by phone, or online. Once the course is completed, you will receive a certificate that must be filed with your bankruptcy petition.
Similarly, after your petition is filed, you must complete a debtor education course designed to teach you how to responsibly budget your income and manage your finances after bankruptcy.
A bankruptcy lawyer at Caplan Bankruptcy and Family Law Firm
Filing Chapter 7 Petition In Orlando FL & Central FL
Questions about Bankruptcy in Orlando, FL
Filing Chapter 13 Petition In Orlando FL & Central FL
- An automatic stay can temporarily stop
- foreclosure proceedings
- wage garnishments
Don’t Just Take Our Word For It
Damaris Mendez Client
I was very hesitant to go through the procedure of bankruptcy, especially at this late age of my life of the close to retirement years. Going through difficult personal health and family events made this very hard, yet every person I came in contact at the Law offices of Attorney Walter Benenati made me feel at ease. They were always quick to answer any questions. Even one time I was shocked I emailed the office and not even a couple of minutes later the attorney called to answer my question. My 17 year old son, was next to me and he was mom did that just happen? Every step of the way they were with me. They always informed me of any changes etc. So appreciated communication and help from Olga, Maria, Zumary, Stephanie, Jennifer and Chris. I am extremely grateful to Denisse B. & Attorney Claribel Acosta for helping me so at ease with the transitions and process of it all till the end. These girls rock!!! Great communication, Great Service, forever grateful for the blessing of the Benenati Law Office for this Season of my Life. Trust me , Attorney Walter Benenati was the right choice for me and it will be for you too.
Robert and Joyce W. Client
Jody C. Client
Kesha P. Client
Sarah L. Client
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More Questions Arrange A Free Consultation
Our Orlando, Florida bankruptcy lawyers can address your specific questions about debt relief through bankruptcy. We serve Orlando and central Florida. Schedule your free initial consultation at or contact us by email.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
Chapter 13 Bankruptcy Consolidate Your Debt Into 1 Affordable Monthly Payment
Chapter 13 bankruptcy is the “debt consolidation” bankruptcy – it puts your debt into 1 monthly payment you can afford. Chapter 13 payments are based on your actual income and budget, so you can keep living and pay down your debt. It also stops garnishments, frozen bank accounts, and lawsuits immediately upon filing. Chapter 13 can also stop foreclosure stop car repossessions, and help you get caught back up on back payments if your budget allows.
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Exempt Property Under Florida Law
Like most states, Florida has created certain exemptions that Chapter 7 bankruptcy debtors have available to use. In a Chapter 7 bankruptcy, these exemptions allow debtors to keep some or all of their property. A person is allowed to use Floridas exemptions so long as that person was domiciled in Florida for at least 730 days prior to filing for bankruptcy. If a filer cannot meet this requirement, he or she may have to use the exemption laws of the state they lived in the most during the previous two years, or the Federal exemptions.
The following property is generally exempt in Florida and would not need to be surrendered in a Chapter 7 bankruptcy:
Faqs About Orlando Florida Bankruptcy Law
If you are considering bankruptcy, you know you need help, but you probably have many questions. Here, well answer some of the basics to help you get started. When you are ready to talk to a lawyer, we offer a free initial consultation.
Attorney Jeffrey Badgley brings 35 years of legal experience to your case. He can answer all your questions and properly file your bankruptcy petition to help you make the most of this opportunity to get out from under your debts. Call our Orlando office at to make an appointment.
What are the advantages and disadvantages of a Chapter 7 filing?
- A Chapter 7 filing provides a clean slate so the debtor can begin rebuilding their finances afresh.
- Wages earned and property acquired after a bankruptcy filing are shielded from creditors and the court-appointed trustee.
- You get immediate protection from wage garnishment and creditor collection actions
- Its quick. A discharge is usually received within three to six months of filing.
- Nonexempt assets are taken over by the trustee and sold.
- Chapter 7 bankruptcy can only temporarily prevent home foreclosure.
- Co-signers of your loans may be required to continue repaying the debt unless they, too, file bankruptcy.
- You cannot file another Chapter 7 bankruptcy until eight years after receiving a discharge.
What are the advantages and disadvantages of a Chapter 13 filing?
What fees are involved in a bankruptcy filing?
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Warning Signs Of Financial Crisis
- Every month you are having to use your credit cards to pay for necessities like food, gas, mortgage, rent, and utilities
- You have spent all of your savings and an in some cases your retirement accounts to stay afloat
- You have been forced to repeatedly borrow from friends and family to catch up on your debt but never seem to get ahead.
- Your creditors are contacting you at all ours of the day harassing you as to when you will be able to make your next payment.
- Your credit cards have increased their interest rates to astronomical amounts sometimes as high as 29%
- You get your mail and all your see are court documents from law suits and bills you cant afford to pay
- Your home is about to be foreclosed on
- Your vehicle is about to be repossessed