Experienced & Aggressive Legal Service
KISSIMMEE BANKRUPTCY ATTORNEY
READY TO HELP CLIENTS THROUGHOUT FLORIDA GET A FRESH START
When you are struggling with overwhelming debt, it is natural to feel helpless and uncertain of what to do. However, you do not need to feel this way, nor do you need to continue to be harassed by creditors. Filing for bankruptcy can help you manage or even completely settle most, if not all, outstanding debts that you have.
Common benefits of bankruptcy include:
Since the legal process is often complex, it is imperative to hire an experienced lawyer to protect your rights and obtain the most favorable result in your case. At Melendez Law Offices, P.A., we can help you get a hold over your finances and get started toward a future free from debt. Our Kissimmee bankruptcy lawyers provide effective and personalized legal solutions for Chapter 7 bankruptcy matters.
CHAPTER 7 BANKRUPTCY IN FLORIDA
Chapter 7 bankruptcy eliminates all debts by forgiving most forms of unsecured debt and liquidating non-exempt assets. A court-appointed trustee sells your nonexempt assets and distributes the proceeds to your creditors.
Unsecured debts are generally not secured by property and includes credit cards, medical bills, personal loans, and vehicle leases. By contrast, secured debt is backed by collateral, such as mortgages, car loans, and furniture payments. You can keep certain secured debts if you reaffirm or redeem those debts
We also handle personal injury claims, including:
In order to file for Chapter 7 bankruptcy in Florida, you must pass the “means test.” This means if your household income is lower than Florida’s median income, you are eligible for Chapter 7 bankruptcy. An experienced bankruptcy lawyer can make the proper calculations and figure out whether you qualify.
As soon as you file for Chapter 7, an automatic stay is imposed. The stay stops creditors from seeking or continuing legal actions against you, as well as all collection efforts. Your attorney will work closely with the trustee and ensure you are treated fairly during your bankruptcy proceedings.
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STORIES FROM SATISFIED CLIENTS
“They are on top of everything and they really know what they are doing!”
“Their expertise reflected with their wealth of knowledge, which assisted me in understanding the legal process.”
“I did not have to call them for any updates as they kept informed all the time about any decision on the case.”