SHOULD I FILE FOR BANKRUPTCY ?

Nobody in Central Florida wants to file for bankruptcy...but sometimes, it is the best debt solution to restart your life and get control over the financial chaos that has become your daily life.

When you come into our office, we sit down with you personally, learn what is going on now in your current financial situation and advise you on the best solution to solve your debt problems based on all of the facts. 

Factors Leaning Toward Filing Bankruptcy

Whenever a change of circumstances occurs in your life, like a job loss, divorce, illness or other unexpected event, you need to first look at the types of debts that are causing you problems.

Mostly Credit Card Debt

If it is mostly credit card debt and you are current on your mortgage and car payments but just can't afford the credit card debts you incurred when your income was higher, Chapter 7 bankruptcy may really help you get out from under the daily pressure of collections, wage garnishments or other things that upset your financial future and your daily life.

Behind on Your Mortgage or Car Payments

If your income dropped because of an unexpected life event but is now back or at least stable, but you fell behind on your mortgage payments or car payments and want to keep those things, then a Chapter 13 bankruptcy may be the perfect way to catch up on payments and keep the property that matters most to you. In many Chapter 13 bankruptcies, if you have other debts, like credit cards or medical bills, you may not have to pay anything to those creditors while catching up on your home and car payments.

Bankruptcy is Debt Relief

No matter what anyone tells you, filing for bankruptcy is sometimes a necessity. Nobody files for bankruptcy in Orlando, Tavares, Clermont, Eustis, Apopka or any other town or city in Central Florida because they want to.

They file bankruptcy in Central Florida because they need to get things under control, stop the harassment, the phone calls, the lawsuits, the wage garnishments and other collections against them. They need debt relief and much of the time when things get to a certain point, bankruptcy is the best debt solution. 

Of course every person's situation is different, so that's why we won't rush you into filing for bankruptcy if there is a better way to solve your debt problems. 

Learn More About the Types of Bankruptcy

As we stated, there are 2 main types of bankruptcy that help most people either quickly get out of debt or over a period of time, restructure debt on things they want to keep, like houses and cars. 

We want you to feel comfortable calling our office and know that there is no obligation to sit down and learn your options to best solve your debt problems, whether or not that means filing for bankruptcy. You can also message us and even schedule your own appointment on our Homepage.

You don't have to go it alone and we will help you figure out your best solution so you can get a fresh start and restart your life and live in peace once again.

Further Reading on Bankruptcy

Also, to read and learn more now, just click on the link buttons below to learn about them and which type of bankruptcy solution may be best for you to solve your debt problems.