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Bankruptcy in Orlando

Orlando Bankruptcy Attorney

Florida Bankruptcy Solutions: Your Path to Financial Freedom

Are you burdened by overwhelming debt and relentless creditor harassment? At Lewis Roberts, PA, our experienced Florida bankruptcy attorney understands the emotional and financial toll of debt. We’re here to guide you through the complexities of bankruptcy law and help you achieve the fresh start you deserve.

Chapter 7 Bankruptcy: Discharge Your Debt

Chapter 7 bankruptcy, often referred to as “liquidation bankruptcy,” offers a swift and effective way to eliminate most unsecured debts, such as credit card bills, medical expenses, and personal loans.

How Chapter 7 Works in Florida:

  • You file a petition with the bankruptcy court.
  • An automatic stay is issued, stopping creditor harassment.
  • Your assets are assessed, and most are protected by Florida’s generous exemptions.
  • Non-exempt assets may be liquidated to partially repay creditors.
  • Most of your debts are discharged, giving you a clean slate.

Benefits of Chapter 7 Bankruptcy:

  • Eliminates most unsecured debts: Discharge debt and regain control of your finances.
  • Stops creditor harassment: Enjoy immediate relief from collection calls and lawsuits.
  • Protects most assets: Florida’s exemptions allow you to keep your home, car, and other essentials.
  • Quick process: Most Chapter 7 cases are completed in a few months.

Who Qualifies for Chapter 7 in Florida?

To qualify for Chapter 7, your income must fall below certain thresholds or pass a means test. Our attorneys can assess your eligibility and guide you through the process.

Florida’s Generous Exemptions: Protecting Your Assets

Florida’s bankruptcy exemptions are among the most generous in the nation. They can protect your home, car, retirement accounts, personal belongings, and more from liquidation. This allows you to rebuild your life without sacrificing your most valuable assets.

Chapter 13 Bankruptcy: Repay Debts With an Affordable Payment Plan

Chapter 13 bankruptcy, also known as “reorganization bankruptcy,” is designed for individuals with regular income who want to keep their assets while repaying their debts over time.

How Chapter 13 Works in Florida:

  • You file a petition with the court and propose a repayment plan.
  • The plan typically lasts 3-5 years.
  • You make monthly payments to a trustee, who distributes the funds to your creditors.
  • Upon completing the plan, your remaining dischargeable debts are erased.

Benefits of Chapter 13 Bankruptcy:

  • Save your home from foreclosure: Chapter 13 can stop foreclosure and allow you to catch up on missed mortgage payments.
  • Protect your assets: Florida’s exemptions apply in Chapter 13 as well, safeguarding your property.
  • Restructure your debts: Consolidate debts and potentially reduce interest rates or balances.
  • Stop creditor harassment: The automatic stay provides immediate relief from collection efforts.

Who Should Consider Chapter 13?

Chapter 13 is suitable for individuals who have a steady income but are struggling to keep up with debt payments. It’s also a good option if you have valuable assets you want to protect or non-dischargeable debts you need to address.

The Chapter 13 Repayment Plan in Florida

Your repayment plan will be tailored to your specific financial situation. I will work with you to develop a plan that is both affordable and effective in addressing your debts.

Stop Creditor Harassment: Know Your Rights

Are you being harassed by creditors? You have rights under the Fair Debt Collection Practices Act (FDCPA). We can help you understand your rights and stop the harassment.

What Constitutes Creditor Harassment?

  • Repeated phone calls or letters
  • Threats or intimidation
  • Calling at inconvenient hours
  • Using abusive language
  • False statements or misrepresentations

Your Rights Under the FDCPA

  • You can demand that creditors stop contacting you.
  • You can sue creditors for violating your rights.

How We Can Help Stop Creditor Harassment

I am experienced in dealing with creditor harassment. We can communicate with your creditors on your behalf, negotiate settlements, and take legal action if necessary.

Get Help from an Orlando, FL, Bankruptcy Lawyer Today

When you consult with me, I will evaluate your entire financial situation by looking at your income, your debts, and your goals, then we will make sure you know all your options for your financial situation.

Call me today to get started on the right path to a brighter future.

GET HELP NOW (407) 749-0080

Bankruptcy Lawyer Lewis Roberts

Attorney Lewis Roberts

The weight of debts that one cannot pay carries financial stress into every waking moment. It is time for this to end. Lewis Roberts, PA, offers solutions to relieve these worries. With over 20 years of experience in helping individuals overcome the burden of debt, bankruptcy attorney Lewis Roberts presents a range of options tailored to each unique situation. Clients can trust his advice on any matter related to debts, as he identifies appropriate options and explains the paths to debt relief clearly and carefully. This ensures that clients make the best decisions for their future. [ Attorney Bio ]