Bankruptcy Advocates: When You Don’t Know Where To Turn For Help

When you are facing mounting debt and long-term financial obligations that you cannot meet, our compassionate and experienced legal team at The Law Offices of Gonzalez & Associates, can provide you with guidance and advice. Our Florida bankruptcy lawyers will work with you and your family to put an end to constant collection calls and letters.

We want to help you through this frustrating and confusing time. If you are facing the unbearable weight of uncontrollable debt or an abusive creditor, our team at Gonzalez & Associates can help you reestablish yourself financially through debt negotiation or bankruptcy options that may be available to you.

Debt Negotiation And Facilitating Payment Plans

Prior to a bankruptcy filing, it can be helpful to explore other options. Our experienced debt management lawyers will help you evaluate your financial situation and assess your various options. It can sometimes be beneficial to renegotiate your debts and financial obligations. In the event this is a viable option for your circumstances, our experienced bankruptcy professionals work with you to create a plan that will help you get past your financial obstacles. Our lawyers can help you renegotiate your current debt on your behalf and arrange a debt repayment plan that suits your current financial standing.

What Are The Options For Bankruptcy?

Generally, bankruptcy is a court proceeding where you tell a judge that you cannot pay your debts. Although bankruptcy is not an easy fix for out-of-control debt, it can be a viable option to relieve the unbearable weight of uncontrollable and increasing debt. While bankruptcy can stop foreclosure of your home and garnishment of your wages, it may not cancel all your debts. If you are dealing with mortgages, personal loans, car payments and credit card debt (or others that may qualify), the following two personal bankruptcy options may offer you the relief that you need:

• Chapter 7 bankruptcy allows a person to completely eliminate most unsecured debts, including debts such as credit cards and medical bills. In most cases, people filing a Chapter 7 bankruptcy will not be required to pay anything to their unsecured creditors. However, in order to qualify for a Chapter 7 filing, there are certain requirements that have to be met. An experienced legal professional can help you better understand those requirements and assist you with your application.
• Chapter 13 bankruptcy involves the consolidation of outstanding debts into a single manageable repayment plan. Under Chapter 13, an individual will pay back a portion, or in some cases all, of the debt owed over a three- to five-year period. The rate will usually be significantly reduced depending on the amount currently being paid.

Every one of our clients’ financial situations is unique. An experienced bankruptcy lawyer can help you understand if bankruptcy is a good option for your particular financial situation. They can help you identify which type of filing would be best for you. In addition, they can help you better understand what debts can be discharged and which financial obligations can’t be discharged through bankruptcy. They can guide you through the process and provide you with legal advice throughout.

We know that debt and financial stress can bleed into all aspects of your life. As experienced family law attorneys, we understand how a divorce can lead to bankruptcy. But we also know that finding financial relief can help settle multiple aspects in your life.

Schedule A Consultation With A Florida Bankruptcy Lawyer

Our legal team will work with you to address your unique needs and review the various factors that determine which chapter is right for you. We offer a free consultation for our prospective bankruptcy clients. Call Gonzalez & Associates at 866-626-4257 or schedule an initial consultation with us by email. We look forward to helping you better understand your debt relief options.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.