Attorney Referral Service has bankruptcy attorneys Thru-out Florida and the Greater Atlanta, Georgia Area. Our Bankruptcy Court lawyers in Fulton County, Georgia are ready to help you with bankruptcy related issues. Our Florida Bankruptcy attorneys have years of filing experience and are admitted to all districts thru-out Florida They have offices in Miami, Fort Lauderdale,Boca Raton,West Palm Beach, Orlando,Winter Park,Kissimmee,Jacksonville,Fort Myers, Cape Coral, Sarasota, Bradenton, Tampa, Clearwater, St Petersburg,Venice and Naples
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Attorney Referral Service has experienced Foreclosure Defense and Bankruptcy Court Lawyers In Florida and Georgia. Without in-depth knowledge of pertinent state and federal Bankruptcy laws, you may lose your entitled rights and personal property. At Foreclosure defense bankruptcy attorney referral service will refer you to an attorney who can help consumers and small business owners. We can assist you in getting a “fresh start” under the Bankruptcy Code and the Fair Debt and Collection Practices Act, by assisting you with filing for Chapter 7 or Chapter 13 bankruptcy. Consider all of your stress concerning your finances relieved when you’re represented by one of our experienced Bankruptcy lawyers. A loan modification lawyer can be the first step to preventing bankruptcy. If you are faced with foreclosure, a foreclosure defense attorney can help avoid bankruptcy. Bankruptcy is always an option. Speak to one the attorney referral service foreclosure or bankruptcy attorneys today and discuss your options. Our Bankruptcy lawyers can help with chapters 7, 11 and 13 filings. The areas within the field of bankruptcy in which our attorney referral service can assist with include:
- Lawsuits and Judgments, Debt Negotiations
- Foreclosure and Repossession Debt
- High Car Payments
- Medical Bills, IRS Problems, Student Loans, Debt Consolidation
- Personal Loan and Credit Card Debt
- Mortgage Modifications and Foreclosure Defense
- Credit Repair To GET A FRESH START!
If you are considering bankruptcy as a solution to unmanageable debt, it’s important that you know what bankruptcy is and what it does.Attorney referral service of Florida and Georgia can refer you to an experienced bankruptcy lawyer. The bankruptcy attorneys of Attorney referral Service understand that filing bankruptcy can be very confusing. This brief overview of the four types of bankruptcy will help you have an idea which type is best for your situation:
Chapter 7: This type of bankruptcy is typically used by people who have large amounts of unsecured debt, such as credit cards. It completely wipes the slate clean – you can get rid of just about any type of debt, except for student loans, recent IRS debt, and child support payments. You can easily retain your home and car if you remain current on your payments to the creditors who are financing those assets for you. AAA Attorney Bankruptcy lawyers are experienced in this type of bankruptcy filing.
Chapter 11: Business owners typically favor this type of bankruptcy, because it allows them to reorganize and repay substantial debt, while still continuing to operate their businesses. If you own a business with significant assets and income, Attorney referral service bankruptcy lawyers will help you decide if this type of bankruptcy best suited for you.
Chapter 12: This type of bankruptcy is for farmers and family fishermen. It’s less complicated and cheaper than Chapter 11, but allows for greater debts than Chapter 13. You will need a bankruptcy court lawyer to help with this.
Chapter 13: Often called “wage earner’s bankruptcy”, this type of filing is designed for people who have a regular income. It doesn’t get rid of your debts, but it does allow you to make payments over a longer period of time, usually at a reduced rate. This type of bankruptcy is helpful if your home is posted for foreclosure, because Chapter 13 stops the foreclosure sale and allows you up to five years to repay your missed mortgage payments – without paying interest or late fees.
If you’re struggling with debt, please call today. AAA Attorney Referral Service will connect you with a bankruptcy attorney in your area.
Q: What is Bankruptcy? A: Bankruptcy is a court proceeding that helps people and businesses that are unable to meet their financial obligations and are at risk of losing their assets. The decision to file bankruptcy is not one which should never be taken lightly. You need to consult with a Florida or Georgia bankruptcy lawyer who is familiar with the procedures. Call AAA Attorney Referral Service to speak with a bankruptcy attorney and determine if filing a bankruptcy case can help you deal with your financial problems.
Q: If I file bankruptcy, will I lose everything? A: NO. The law allows you to protect your exempt assets, so that you do not lose them. Property that you choose to “exempt” is legally beyond the reach of creditors and the bankruptcy trustee. Generally, you are allowed to exempt your home, your household furnishings, the vehicles that you and members of your family drive, the tools of your trade, and your retirement accounts. There are many other exemptions you can use. You still have to make payments on “secured debt,” such as a home or car loan, if you wish to keep the property that is collateral for the loan. If you are behind on your secured debt, a Chapter 13 bankruptcy allows you to propose a 3-5 year payment plan to repay these creditors. Let our experienced bankruptcy lawyers guide you thru this process.
Q: Can bankruptcy stop foreclosure? A: YES. A Chapter 13 bankruptcy filed before a foreclosure sale can stop the sale and give you three, four, or five years to make up missed monthly payments This will save your home from foreclosure, as long as you make your regular monthly payments after your bankruptcy case is filed. In addition, you may be able to modify your home loan if you qualify.An experienced bankruptcy lawyer can help.
Q: What is a Chapter 7? A: Chapter 7 is a straight liquidation bankruptcy. All unsecured debts are discharged, with certain exceptions. Chapter 7, like Chapter 13, also stops repossessions, foreclosures, and garnishments. Unlike Chapter 13, Chapter 7 does not require proposal of a repayment plan. You are able to keep you home and your car as long as you keep paying the creditors who financed those purchases for you.
Q: What is a Chapter 13? A: Chapter 13 is also known as a wage earners’ bankruptcy. In order to file a Chapter 13, a person must have a regular source of income. In Chapter 13, a payment plan is filed with the Bankruptcy Court. This plan sets up a schedule of payments that will be made to a bankruptcy trustee, to be distributed to some or all creditors. The biggest advantage of Chapter 13 is that it automatically stops foreclosure and allows past-due house payments to be put into the plan, to be repaid over 3-5 years. Chapter 13 also allows tax debt can be repaid over time and discharged, frequently without paying interest and penalties.
Q: I will never be able to buy anything again, right? A: WRONG. Our clients are able to get new credit cards, buy cars, and even buy houses after bankruptcy and sometimes during bankruptcy. Bankruptcy remains on your credit report for 10 years. However, many bankruptcy clients report that bankruptcy improved their credit score by improving their debt-to-income ratio.
Q: Creditors are calling my employer or workplace. Can bankruptcy help? A: YES. The Bankruptcy Code requires all creditors to stop all collection activity, which includes calling you or your employer, as soon as you file bankruptcy. Even before you file, once you have retained an attorney, the Fair Debt Collection Practices Act requires debt collectors to conduct their business with you through your attorney, rather than contacting you or your employer.
Q: Creditors keep taking money out of my bank account. Can bankruptcy help? A: YES. If you file bankruptcy, all creditors must stop taking money from your bank accounts. You need to provide information about your creditors and debts to our office so that we can notify the creditors of your bankruptcy filing and demand that their collection actions stop.
Q: I have a judgment against me in civil court. Can bankruptcy help? A: YES. With some exceptions, debts from civil judgments can be discharged in Chapter 7 and Chapter 13 bankruptcy. For instance, if you relocated and your former landlord sued you for breaking the lease, that debt would be dischargeable in either a Chapter 7 or a Chapter 13 bankruptcy case.
Q: Will my employer find out that I filed bankruptcy? A: Maybe. If you file a Chapter 7, we will not inform your employer, and neither will the Bankruptcy Court. But if you file a Chapter 13, your paycheck will be garnished to make plan payments to your creditors. If both you and your spouse work, then the two of you will decide whether your paycheck or your spouse’s paycheck will be garnished for these payments.
Q: Will everyone find out I filed bankruptcy? A: People and businesses that file bankruptcy are not regularly published in the newspaper. Filing bankruptcy is a matter of public record. However, finding out someone filed bankruptcy is difficult to do and typically requires a fee. Bankruptcy clients rarely report problems due to people finding out they filed bankruptcy.
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