We serve Brevard County from our convenient office location in Melbourne, Florida in Chapter 7 and Chapter 13 matters.
Our services include:
- Pre-Bankruptcy Counseling
- Free Initial Bankruptcy Consultations
- Fast, Friendly Service and Results
- Filing of Chapter 7 Bankruptcies
- Filing of Chapter 13 Bankruptcies
In its most basic form, Florida bankruptcy law is a consumer protection law. It is a Federal process, which allows consumers to have their qualifying debts forgiven. The law recognizes that bad things sometimes happen to good people, and consumers sometimes simply do not have the ability to comply with creditors’ repayment demands.
Florida bankruptcy law is a unique type of law based on forgiveness rather than punishment. Bankruptcy does not seek to deter or regulate certain behavior as other laws do; it simply recognizes there are sometimes circumstances beyond the consumer’s control, which can only be addressed through the cancellation of debt. Filing for bankruptcy puts into effect the “automatic stay,” which stops creditors from trying to collect any debt from you. The automatic stay stops creditor phone calls, collection letters, wage garnishments, lawsuits, bank levies, and all other types of harassment, intimidation and scare tactics by creditors.
Once a bankruptcy case is successfully completed, the consumer receives discharge information from the Bankruptcy Court. A Discharge is a legal release from listed debts. Creditors are left with no legal cause to contact you or pursue debts listed in the bankruptcy documents.
When filing for bankruptcy, there are two common ways, for the typical consumer, to file -- Chapter 7 and Chapter 13. Chapter 7 is the most common type of bankruptcy, it allows a consumer to discharge debts completely through a relatively short process. Chapter 13 is a federal debt consolidation plan, which allows you to rearrange your financial affairs and repay just a portion of your debts, in most cases, to allow you time to get back on you feet.
If you need a Melbourne bankruptcy attorney, Contact Our Law Office in Melbourne, Brevard County, Florida, if you are in need information in filing for bankruptcy and wish for the assistance of a Bankruptcy attorney - Chapter 7 or Chapter 13. We proudly serve all of Brevard County including Viera, Suntree, Rockledge, Titusville, Port St. John, Palm Bay, Cocoa, Cocoa Beach, Mims, Melbourne Beach, Indialantic, Satellite Beach, Sebastian, West Melbourne, Port Malabar, and Port Canaveral.
We are a debt relief agency, we help people file for bankruptcy under the U.S. Bankruptcy Code.
The hiring of a lawyer is an important decision that should not be based solely upon advertisement. Before you decide, ask us to send you free written information about our qualifications and experience.