DO YOU NEED TO FILE CHAPTER 7 OR 13 BANKRUPTCY IN FLORIDA?
When you are faced with the difficult decision of bankruptcy, we are here to assist you. We will provide you with one on one representation and will give you the personal attention you deserve. Some things that can’t be eliminated in bankruptcy are: child support payments, most student loans, criminal restitution, and some taxes.
Chapter 7 bankruptcy (“Fresh Start”) is the elimination of unsecured debt. Chapter 7 is the most common bankruptcy and will discharge most of your debts; including medical bills, credit cards, personal loans, payday loans and more. If you have secured debt and are current on your payments you should be able to keep that debt. A Chapter 7 Bankruptcy generally takes four to six months after filing to receive a discharge. Stays on your credit ten years.
Chapter 13 bankruptcy (“Wage Earner Plan”) allows you to pay back a portion or all of your debt. Chapter 13 is most commonly used to stop a foreclosure and/ or vehicle repossession. The payment plan has the ability to extend the time of repayment of debt over a three or five year period. Stays on your credit seven years.
Did you know bankruptcy is not new, it is not wrong, and it does not destroy peoples lives? Did you know that the US Constitution gives Congress the power to set laws relating to bankruptcy? Bankruptcy was even part of the Mosaic Law in the Old Testament.
Some notable people who filed bankruptcy include:
- Abraham Lincoln
- Henry Ford
- Walt Disney
- Milton Hershey, the founder of Hershey’s Chocolate
- Burt Reynolds
- Mike Tyson
- Willie Nelson
- Thomas Jefferson
We are a debt relief agency.
We help people file for bankruptcy relief under the Bankruptcy Code