Filing for Bankruptcy in Florida
If your family is going through tough financial times, you already know how easy it is to get into debt trouble and how impossible it can seem to get out. By the time you manage to scrape together the cash to make a late payment, it's already time to make the next one. To add insult to injury, your creditor hits you with a hefty late fee and interest charges. It can make you feel like you are utterly powerless over your debt.
Fortunately, you DO have the power to fix your financial situation! Filing for bankruptcy in Florida can lift the weight of constant debt off your shoulders. Call or text DebtStoppers today at 786-420-4545 to schedule a free consultation with one of our experienced attorneys.
Filing for Bankruptcy in Florida
You have two choices when filing for bankruptcy: Chapters 7 and 13.
Chapter 7 allows you to eliminate the majority of your consumer debts and start over. While Florida law allows a trustee to sell your non-exempt assets to pay your creditors, DebtStoppers clients rarely lose a thing when filing Chapter 7.
Instead of discharging your debts, Chapter 13 lowers your debt and consolidates them into a manageable repayment plan. You'll make one payment a month for 3 to 5 years until the program is complete.
As soon as you've decided which type is right for you, you can initiate proceedings by submitting your petition to the nearest district court. DebtStoppers practices in the Southern District of Florida, which includes Miami, Fort Lauderdale, West Palm, Hollywood, and more.
What Does Bankruptcy Cost?
Since each case is different, our legal fees will differ depending on your circumstance, but the average cost of our rates is reasonable. Manageable payment plans are always available, allowing you to pay back your legal fees over time.
On top of attorney fees, you must pay a $335 filing fee for Chapter 7 (For Chapter 13, the price is $310). DebtStoppers is proud to be one of the few firms in the country that will advance the cost of the Chapter 7 filing fee to the court, allowing you to find relief from creditors without paying one cent up-front.
Can You File Bankruptcy Without an Attorney?
While you are legally permitted to file for bankruptcy without an attorney, the process can be emotionally challenging and legally complicated. A supportive and experienced lawyer can make all of the difference. Call or text DebtStoppers today at 786-420-4545 to schedule a no-cost debt analysis with one of our skilled Florida lawyers.
What Happens When I File?
The moment you file, the court will order your creditors to halt all collection activities and to stop contacting you, period! This automatic stay offers instant relief from creditor harassment and can stop foreclosures or repossessions that have already been initiated.
Can You File More Than Once?
Many people are surprised to learn that you can file more than once. However, there are waiting periods you must follow. The amount of time you have to wait will depend on the type of bankruptcy you filed the first time and the type you want to use the second time. If you've previously filed and would like to file again, a Florida lawyer can determine if you are eligible.
The Florida Debtstoppers Law Firm Can Help You
Filing for bankruptcy can be complicated. Luckily, you don't have to do it by yourself. Call or text DebtStoppers today at 786-420-4545 for your free consultation with an experienced Florida lawyer.
Let us take the weight of your debts off your shoulders! Call or text 786-420-4545 to learn more about filing for bankruptcy in Florida.