Contact Our Experienced Florida Bankruptcy Lawyers
Call for a free initial consultation with one of our dedicated Florida bankruptcy lawyers. We maintain offices up and down south Floridas Atlantic coast, including Plantation/Sunrise, Doral, Boca Raton/Delray Beach, Jupiter/Palm Beach Gardens, and all the communities in between. Let us help you find a way out from under that crushing mountain of debt, putting an end to sleepless nights and harassment from bill collectors at home and work. You can have the fresh start you dream about. Let the Florida bankruptcy lawyers at Nowack & Olson, PLLC work to make that dream a reality. Call today for your no-cost, confidential consultation.
Helping People Recover From Financial Crisis
Todays economy forces many people to file for bankruptcy. If you have mounting credit card debt, medical bills or loans, feel you may lose your car or home, or have lost your job and cant meet your monthly expenses, wecan help you file for debt relief under the Bankruptcy Code.
We have handled over 10,000 bankruptcies, so you can trust that we have the knowledge, experience and understanding of bankruptcy laws to assist you. When you come to see us for a freeconsultation, we go over your situation to determine if you need to file for bankruptcy and explain how each of the different types of bankruptcy can help. We navigate clients through theprocess of filing a Chapter 7 or Chapter 13 bankruptcy, while protecting your assets so that you can emerge on the other side in the best position to move forward.
How Much Does Chapter 7 Bankruptcy Cost
The Court will charge filing fees for Chapter 7 bankruptcy. The fees will vary by Court. Some may be higher than others. For instance, the filing fee for Chapter 7 bankruptcy in Tampa is $335. If you needed to reopen a closed case, the Court would charge a fee of $260. There may be additional costs for your credit report and credit counseling class. Your lawyer will also charge a fee for their legal services.
What Is The Advantage Of Hiring A Local Bankruptcy In Attorney In Florida
A local Bankruptcy attorney who practices in your jurisdiction in Florida will be familiar with Local Rules. This will assist avoiding cases being dismissed for improper processes or failure to follow local guidelines. You always want to step into court with your best foot forward. An experienced local bankruptcy attorney will have a better grasp of the local requirements.
If you are facing a large amount of debt, you need to speak with a Florida Bankruptcy attorney at Stiberman Law. The consultation is completely free.
The materials and information on this website are for informational purposes only and are not, nor intended to be, legal advice. This information contained in this site is not intended to create, nor does receipt or review of it constitute or create an attorney-client relationship. Do not act upon the information contained on this website without seeking professional legal counsel. Please do not send us any information about any matter until you receive a written acknowledgment from us that we represent you. Any information you send us prior to receiving such written acknowledgment will not be treated as confidential and will not create an attorney-client relationship.
When Can I File Chapter 7 Bankruptcy
Bankruptcy filers who previously filed Chapter 7 must wait eight years from the commencement date of their previous case. See Bankruptcy law 11 U.S.C. § 727. The Commencement Date is the day you filed your bankruptcy petition with the court. For example, if you filed on October 1, 2010, you would have to wait until October 1, 2018, to file again.
Conversely, if you previously filed for Chapter 13, you only have to wait six years to file Chapter 7. The waiting period will begin on the commencement date of your previous case. Fortunately, there are some exceptions to the 6-year waiting period. If you paid your previous Chapter 13 payment plan in full you might not have to wait the entire six years. Additionally, if you paid 70% of your payment plan in good faith, you may not have to wait to refile.
Also Check: What Is Chapter 7 Bankruptcy For Individuals
What Are The Repercussions Of Filing Bankruptcy
It is crucial to understand that even though bankruptcy offers a chance to start over financially, there are some consequences. It negatively impacts your credit and reduces your ability to take out loans in the future. Bankruptcy may stop wage garnishment, collection calls, and prevent or delay foreclosure on a home, and repossession of a car, but there is a small price to pay.
Jacqueline Y Boynton Beach
Once you make the difficult decision to declare bankruptcy, I highly recommend Brian Cohen. Attorney Cohen was not all about the fees. In fact his fee was the lowest of the 3 bankruptcy lawyers we interviewed, and he gave me all the time I needed to pay him. They never ever sent me a bill, he just let me pay him when I could. But the work that he performed on my case was above par. And so were all the people working in his office. Everyone was very friendly, knowledgeable and would always communicate with me in a timely manner. I would definitely tell anyone who is deep in debt like I was to call Brian Cohens office. They really want to help you and it shows.
Recommended Reading: What Happens At Bankruptcy Meeting Of Creditors
When Can I File Chapter 13 Bankruptcy Again
The waiting period to refile Chapter 13 is less than to refile Chapter 7. If you previously obtained a discharge of debt in Chapter 13, you only need to wait two years to refile. On the other hand, if your previous case was a Chapter 7, you will need to wait four years. The 4-year waiting period begins on the commencing date of the last case. Filing a Chapter 13 and Chapter 7 is commonly referred to as Chapter 20.
When Might You Require Bankruptcy Lawyers In Florida
When you are handling what may be one of the hardest times of your life, having Florida bankruptcy lawyers on your side could make all the difference. With so many bankruptcy law firms in Florida, it can be difficult to decide who to pick.
Although many attorneys claim they can aid with the following:
Not everyone is truly equipped and has the experience to resolve your issue. You require a law firm that will do more than fill out personal bankruptcy documents and stand next to you in court. And loan consolidation businesses can leave you in an even worse condition than when you initially called them, especially when their interest rates are higher than your individual obligations.
The law firm of Lehn Law, PA will provide skilled and non-judgmental advice, walk you through each and every option, and advocate passionately for you in court if necessary. Reach out for a free initial consultation.
Also Check: How Will Bankruptcy Affect My Job
Is Bankruptcy Better Than Debt Settlement
Determining how to handle your debts is not an easy decision. It is essential to evaluate each option carefully to choose the best option. The surest way to achieve this goal is to seek the guidance of a legal expert who knows the pros and cons of debt settlement and Florida bankruptcy. By seeking the services of an experienced Tampa bankruptcy attorney well versed in Florida bankruptcy law, you can help ensure that every angle has been considered during the decision-making process.
What One Of Our Clients Had To Say
All of the sudden my wages were garnished for $500 per pay period, caught me by surprise and didnt know what to do. Years ago Mr. Benenati help me out on a judgment, I called his office and I was given an appointment within couple of days. Mr Benenati explained of all my options and went out of his way to get me an appointment on the same week to file my case. His fees are reasonable and great payment plan. I met with his paralegal on the same week and my case was filed, the garnishment was stop. Within couple of weeks I was cited in court and within a month I was discharged of all my debts. Mr. Benenati was right life has a restart button. Thank you. Carlos P.
Why Bankruptcy May Not Be The Best Option When Youre Sued For Debt
Let me tell you why bankruptcy may not be the best option if youre being sued for a debt. Now bankruptcy is an effective tool to get out of debt. But there are reasons that it should be used strategically and only as a last resort. For once you file bankruptcy, you may not be able to file again for eight years. So, you want to make sure that it is the right situation. Plus, if youre behind on your mortgage, and you file for bankruptcy, you might end up losing your home.
Additionally, if youre being contacted by debt collectors, they may be violating the law and you may be entitled to collect money from them. But if you file bankruptcy, you may lose that right? Not only that, there are often better tools to get out of debt and potentially recover money if the debt collector has violated any laws.
So, if youre thinking about filing bankruptcy, you should speak to a law firm that helps people get out of debt in other ways as well, not just the bankruptcy. Call Loan Lawyers TODAY FOR FREE consultation. Weve eliminated over $100 million in debt and recovered over $20 million for our clients for debt collector violations. And if helped more than 6000 people eliminate debt and restore peace of mind. Call us today at 344-4813 for your free consultation.
Bankruptcy Process For Businesses
Generally, a business should file where the company is located. A corporations domicile will be the district where the business is incorporated. A domicile will not change unless a new one is acquired. See In Re Frame. On the other hand, the principal place of business will depend on the facts and circumstances of each case. For instance, many companies conduct business in multiple states and have locations throughout the country. In these types of situations, the principal place of business is the nerve center of the business. See In Re Peachtree Lane Associates. The nerve center will be where the corporations primary business decisions were made within 180 days immediately preceding the bankruptcy.
For cases involving business partnerships, the venue will be based on either the principal place of business or the location of principal assets. Residence or domicile is not a proper basis for venue in bankruptcy cases filed by partnerships. See In Re Willow Ltd. Partnership. Instead, the bankruptcy court will look to the principal place or location of assets. The principal assets of a business are the assets primarily used in the companys operation. The assets must be related to the business investments may not be sufficient. See In Re Newport Creamery.
You May Like: Save My House Government Program
What Makes Van Horn Law Group Different
At the Van Horn Law Group, we pride ourselves on providing more than just the best possible legal results for our clients. We are proud to be members of the Miami community and all the communities we currently serve with our six total locations. We value the attorney-client relationship that we build with every person we work with and have helped numerous Florida families and businesses just like yours get back on their feet and find the path forward to a brighter future. Dont just take it from us hear why so many past clients highly recommend our services.
Will My Spouse Be Affected By My Individual Bankruptcy Filing
A spouse is not affected by a bankruptcy if they did not sign an agreement for the debt. The answer to this question really depends on how the debt is held and who is responsible for it. It is not uncommon for only one spouse to file for bankruptcy. Prior to either spouse filing for bankruptcy, a consultation should be made with an experienced bankruptcy attorney who can go through all of the debt issues with you and give you the proper legal advice.
Don’t Miss: Chapter 13 Bankruptcy Nc
Why File For Bankruptcy
People wind up filing for bankruptcy for many reasons, often involving outside forces or unforeseen expenses: Medical debt and unexpected health care costs can quickly spiral out of control, credit card debt can accrue due to business expenses or needing to use a credit card during periods of unemployment and low cash flow, investments in the stock market, real estate or other financial vehicles might suffer due to a financial crisis, or a supply chain shutdown can cause debt to cascade in times of pandemic or due to oil price fluctuations. In any of these situations, a bankruptcy attorney can help you find the best course of action.
How Will Bankruptcy Affect My Credit Score
Credit scores are based on a multitude of factors. One factor that determines the credit score is the amount of debt a person has. Bankruptcy can assist with this by discharging debt a borrower may otherwise be obligated to pay. Another factor is open credit accounts with late payments these accounts can significantly reduce your credit score. Fortunately, bankruptcy can assist with this aspect as well. If the debt is discharged in bankruptcy, the account should no longer be reported as an open delinquent account. For more information on how bankruptcy affects credit scores and how the score is calculated,
The bankruptcy filing may last on your credit report for a few years. If you completed a Chapter 13 bankruptcy, the filing might remain on your credit report for seven years. On the other hand, Chapter 7 bankruptcy will stay on your credit report for up to 10 years. See MyFico.com.
If bankruptcy is on your credit, it does not mean you will be prevented from acquiring new debt. For instance, the waiting period for a mortgage may be a lot sooner. Many car loan lenders will have no waiting period at all you may get a loan the very next day. The F.H.A. and Veterans Association allows borrowers to qualify for a mortgage just two years after the discharge. See F.H.A. Regulation 4155.4.
Also Check: Do You Lose Your House If You File Bankruptcy
Home Saved From Foreclosure
I came to Roberts office less than 3 months ago ready to give it one last try at saving my house. The bank had denied me several times for a modification, and I was at the brink of having my home of 10 years foreclosed.Robert advised me that as a result of my new job I would be able to reapply for a loan modification since in the past the bank had denied me because I didnt have enough income. I felt so comfortable in the way he fully explained the process an…
Does Filing For Bankruptcy In Florida Offer Any Advantages Over The Rest Of The United States
Florida is one of the best states to file for Bankruptcy due to its strong laws protecting consumers and assets. Even though Bankruptcy is Federal Law, Florida law applies when it comes to exemptions or protections. One of the most important exemptions is the Florida homestead exemption which protects a Debtors primary residence from creditors where the Debtor has lived in Florida for more than 3 years and has owned the property for at least 1215 days prior to the Bankruptcy filing.
Also Check: What Are The Pros And Cons Of Bankruptcy
Helping Jacksonville Get Out Of Debt
File Bankruptcy in Jacksonville, FL for $485.00 down, including credit report and counseling. Our Office specializes in filing bankruptcy for individuals and small businesses facing financial pressure. We are a debt relief agency as recognized by Congress and help people file for Bankruptcy.
Mickler & Mickler is a Jacksonville, Florida based law firm devoted exclusively to the practice of bankruptcy law. We offer Chapter 7 filings for as little as $485 down. Our office will FILE your case for as little as $485 down you get a case number and relief from creditors. The $485 fee includes all three credit bureau reports, your initial counseling session, court filing fees and the initial attorney fee. Dont get fooled by advertisements for low cost filings with hidden fees. The remaining fees are financed at an affordable rate to allow you to pay over a period of time and an amount that fits your budget. Contact our office today for a free consultation and pricing options.
Bankruptcy Lawyers In Orlando Florida Can Help You
If you’re experiencing severe financial difficulties, bankruptcy can provide a path to debt relief and help you get a fresh start. Whether you are just starting to consider bankruptcy or have already filed, getting a bankruptcy lawyer involved can help you maximize the benefits afforded to you by the United States Bankruptcy Code. We’ve assembled a list of trusted local lawyers that you can use to find the right Orlando bankruptcy attorney to help you stop wage garnishment, prevent creditor harassment, get debt relief, and protect your property.
Why Choose Stiberman Law
We do all the work for you
We understand that your situation has already caused you enough stress. This is why we train our staff on a daily basis to assist you in the following:
We complete all the paperwork
Your Bankruptcy is driven by documentation. We will handle every aspect of what the court requires to prepare your bankruptcy documentation.
We request your tax transcripts
You may be required to provide tax returns to the Bankruptcy court. We know tax transcripts are often misplaced, lost and usually a pain to reproduce.
We attend all your court hearings
There is a possibility that you may have several court hearings depending on how complicated your case may be. We have the resources to attend all court hearings.
We obtain same-day credit reports
Obtaining an accurate credit report is essential to your bankruptcy. Any creditors that are missed can cost you additional fees to add after the initial filing.
Our outstanding service
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.Stiberman Law, P.A. 954-922-2283. We are a debt relief agency.
Are you thinking,