Bankruptcy

You are not alone! These are difficult economic times. Many people are having trouble making ends meet. No one expects to have to file bankruptcy. However, if you are trying to save your home, or if you see no other way out of your debts, it might be the best option for you. We would be happy to sit down with you and explain how bankruptcy compares with the other options you may have.

Your initial consultation is free of charge. You may schedule a half-hour meeting with us to discuss your situation, and there will be no charge for this meeting.

We offer affordable rates. You do not need another service nor bill you can’t afford. We keep our overhead costs low so that we offer reasonable rates. Your fees will depend on the complexity of your case. The simplest case is called “Chapter 7”. Complicated cases include a “Chapter 13” filing. No matter what your situation, you will find that our rates are competitive.

We completely understand that if you had that kind of cash , maybe you wouldn’t need bankruptcy. Please do not let that stop you from considering all of your legal options. There are many ways to pay fees, including through a payment plan. Call us for a free consultation.

An experienced bankruptcy attorney will handle your case. Our firm has an attorney, who is experienced in both Chapter 7 and Chapter 13 bankruptcies, having filed many cases for clients under each chapter. Unlike many other attorneys, we did not suddenly start practicing bankruptcy law last month after identifying the market demand.

Chapter 7 covers most individuals. Chapter 7 can include a married couple or small business owner with personal liability for business debts. This is generally known as a liquidation bankruptcy.

The trustee (the court official in charge of your case) sells your nonexempt property for the benefit of creditors. Most persons may get to keep most of their property due to federal & state exemptions. The court proceeding cancels most types of debt.

There are many situations in bankruptcy involving significant issues. If you find the thought of going through the process overwhelming, our law firm can take charge of your case and relieve you of the responsibility to get everything done. We can accompany you to the creditor’s meeting, work with you to make sure that your documents are complete and accurate, get all your paperwork filed on time, and generally handle all of the little details that go into a successful bankruptcy case. The following situations can cause considerable complications for you in attempting to go-it-alone before the bankruptcy court:

Your average gross income is such that it looks like you won’t be able to pass the means test. You want to hold onto a house or motor vehicle. You want to get rid of a student loan or income tax debt that won’t be wiped out in bankruptcy unless you convince a court that it should be discharged.
A creditor files a lawsuit in the bankruptcy court claiming that one of your debts should survive your bankruptcy because you incurred it through misconduct. The bankruptcy trustee seeks to have your whole bankruptcy dismissed because you didn’t give honest and complete answers to questions about your assets, liabilities, and economic transactions. The trustee asks the court to dismiss your case, or force you into Chapter 13, because your income is high enough to fund a Chapter 13 repayment plan, or because the trustee believes that your filing is an abuse of the Chapter 7 bankruptcy process for other reasons.

You have recently given away or sold valuable property for less than it is worth.

You went on a recent buying spree with your credit card.

You want help negotiating with a creditor or the bankruptcy court.

You have a large lien on your property because of a court judgment against you, and you want to remove the lien in your bankruptcy case.

A creditor is asking the court to allow it to proceed with its collection action despite your bankruptcy filing.

You are being evicted by your landlord because you have fallen behind on your rent.

Contact Us For A Consultation

Jacksonville: 904.374.2136 Fax: 904.615.6391