Getting a fresh start financially is a right provided by federal law. Filing bankruptcy immediately stops all creditors from seeking to collect debts from you, at least until your debts are sorted out according to the law.
Even with recent changes in the federal bankruptcy law, you and your family may be eligible to file for relief from debt. At Schlegel Caplan in Orlando, Florida, bankruptcy lawyers handle all the details of Chapter 7 and Chapter 13 filings on a flat fee basis and we offer free consultations to help you determine if bankruptcy is the right decision.
Chapter 7 is most commonly filed for relief from credit card debt, medical bills, some personal loans and other unsecured liabilities. Chapter 13 offers you the option to repay your debt over five years based on the IRS collection standards.
If you are in arrears on your mortgage payments, you may be able to avoid foreclosure on your home with a Chapter 13 filing. Please call us today to discuss your personal situation and take advantage of our free consultation offer to help you and your family.