Chapter 7 Bankruptcy Filings
The lawyers at our Miami law firm, Ferrer Shane, PL, help clients with Chapter 7 bankruptcy filings. People can be assured that they will receive knowledgeable counsel when they choose our firm for legal representation in bankruptcy matters.
Lawyers Providing Bankruptcy Information
Some of the matters we discuss with people seeking information about bankruptcy include:
- Should I file for bankruptcy? Bankruptcy is not for everyone. We help you decide.
- Stop creditor harassment. A great benefit of filing bankruptcy is that it immediately stops creditors from calling you at home, at work or at school.
- Chapter 7 bankruptcy. Chapter 7 involves liquidating your non-exempt property to discharge your debts.
- Difference between Chapter 7 and Chapter 13. Chapter 13 bankruptcy is a debt repayment plan that takes place over 3 to 5 years.
- Can one spouse file bankruptcy? There are a number of circumstances that make it advantageous for one spouse to file bankruptcy while the other spouse retains his or her assets.
The Bankruptcy Process
We also discuss the bankruptcy process so that people know what lies ahead:
- Bankruptcy means test. This means test evaluates your income and assets as shown on your tax returns and pay stubs. It determines whether you are eligible for Chapter 7 or Chapter 13 bankruptcy.
- What can I keep? This is one of the most common question about bankruptcy. We provide straightforward answers to people wondering about their lives after bankruptcy.
- Houses and cars. Many people qualify for exemptions that allow them to keep their homes or cars. Our lawyers can advise you about exemptions under Florida law.
- Taxes and student loans. Some tax debts can be discharged, but not all. Speak with a knowledgeable attorney to learn if your tax obligations can be discharged. Student loans cannot usually be discharged.
- Bankruptcy and divorce. If you are thinking about divorcing your spouse and filing bankruptcy, consult an attorney right away. Florida property division laws may affect whether you qualify for Chapter 7 or Chapter 11.
- Rebuilding after bankruptcy. Bankruptcy gives you a fresh start. Obtaining a high credit score may take a few years, but if you act responsibly, you will be able to strengthen your financial position. Our law firm can recommend classes and workshops that may help you accomplish this.
- Foreclosure defense. Timing is everything when it comes to filing bankruptcy during foreclosure proceedings. If nothing else, bankruptcy can delay foreclosure.
We dispel myths about bankruptcy related to recent bankruptcy reform. When you visit our South Florida law firm, you will receive all the information you need to decide whether bankruptcy is the right option. If you decide to move forward, you may not even need to appear in bankruptcy court — our firm can handle everything.
Contact Ferrer Shane, PL, today to learn more about filing bankruptcy.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
