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How Can a Florida Bankruptcy Lawyer Help Me?

Debt is an issue that many Americans struggle with each year. In fact, it has been reported that 340 million Americans are dealing with burdensome debt. If you are seeking relief from the debt you have accrued, you may consider filing bankruptcy. For many borrowers, successfully filing bankruptcy can provide relief from the stress of their financial troubles.

At The Law Offices of Daryl L. Jones, P.A, our Florida bankruptcy lawyers understand that dealing with the many steps of the bankruptcy process can leave our clients feeling overwhelmed. If you are considering filing bankruptcy in Florida, it is important that you know how a bankruptcy lawyer may be able to help you.

What Should You Expect From a Florida Bankruptcy Lawyer?

While it is not required to work with a bankruptcy lawyer when you decide to file, it is recommended. This is because of the many steps one has to go through to get court approval for their repayment plan, or court approval to discharge their debt. A florida bankruptcy lawyer may help you in the following ways:

Competence

When you work with an experienced bankruptcy lawyer, she will have the skills and background to handle your case, whether it is simple or more complicated. Every case is different and depends on the specific details of why you are filing for bankruptcy. To see if a lawyer is a good fit for your specific needs, ask them if she has represented clients in the past who were in situations similar to yours.

Sound Legal Advice

The bankruptcy process can be stressful and confusing. That is why it is important that you work with a Florida attorney who can provide you with sound legal advice that you can trust. Your lawyer should be able to offer you advice on the following matters:

  • Whether you should file Chapter 7 or Chapter 13 bankruptcy
  • What to expect throughout the bankruptcy process
  • If you should expect your case to involve any risk or difficulties along the way

Chapter 7 and Chapter 13 bankruptcies have some major differences, and a lawyer will help you decide the best option in your specific situation.

Prompt Communications

You will likely have questions during the bankruptcy process. It is important that you work with a legal team who has the knowledge to answer your questions in a timely manner so you may stay informed.

Prepare and File Your Paperwork

It is crucial that you work with an attorney who can prepare and file the lengthy packet of forms that must be filled out in a timely manner in order to properly file bankruptcy in Florida. Your bankruptcy attorney should know the local rules and filing procedures in order to avoid a delay in the process of your bankruptcy, or even a dismissal of your case.

Represent You at Hearings

Throughout the process of filing bankruptcy, you will have to attend creditor’s hearings and there may be additional hearings you must attend. It is important that your lawyer represent you at these hearings to protect your and your interests.

Contact a Florida Bankruptcy Lawyer for Help

Debt can leave you feeling helpless, but filing bankruptcy can offer them the financial reprieve you need. If you are considering filing bankruptcy in Florida, it is crucial that you seek the help of a trusted bankruptcy attorney as soon as possible.

The trusted bankruptcy lawyers at The Law Offices of Daryl L. Jones, P.A have extensive experience helping clients throughout each step of the bankruptcy process in Florida. We understand that you may find this process overwhelming, which is why we provide our clients with the knowledgeable and personalized legal services they need. Our award-winning bankruptcy lawyers are proud to provide the dedicated representation you deserve. To schedule a free initial strategy session, contact us here or call us at (305) 969-3602.

5 Signs That You Need a Bankruptcy Lawyer

Suffering from overwhelming amounts of debt is an issue that many people face in their lives. It has been reported that an estimated 1.5 million individuals file bankruptcy each year in the United States. For some borrowers, when the debt becomes too much to handle, bankruptcy is an option that will allow them to have a fresh start in terms of their financial situation. While it is not a requirement that you work with a bankruptcy attorney, it is highly recommended.

The Law Offices of Daryl L. Jones, P.A is a Florida law firm with extensive experience helping clients who decide to file bankruptcy. If you are considering bankruptcy, there are several signs that you need a bankruptcy lawyer to help you with the process.

How to Know if You Need a Bankruptcy Lawyer

Whether or not you decide to work with a bankruptcy lawyer is your choice. However, there are several signs that can show you that hiring a bankruptcy lawyer may be in your best interest.

You Have a High Credit Card Balance

Credit cards have their pros and cons. While they are great for financing your lifestyle in the short-term, if you are unable to pay back the amount you owe on your credit card, you may find yourself in a difficult situation. If paying back the entire amount you owe on your credit card has become unrealistic, bankruptcy is an option you may consider to get out from under that debt. To get help filing a Chapter 7 bankruptcy to have your credit card debt eliminated, contact a bankruptcy lawyer in Florida.

High Amount of Unsecured Debt

Some common sources of unsecured debt include:

  • Medical treatment
  • Divorce
  • Business-related debts
  • Credit cards

A bankruptcy lawyer may be able to help you evaluate your bankruptcy options concerning your unsecured debt.

Borrowing From a Retirement Plan

If you are borrowing from your retirement plan to repay debts, it is time to contact a bankruptcy lawyer. You should never borrow from your retirement plan to pay off debt as most people have not saved enough money to retire comfortably. A bankruptcy lawyer may be able to work out a deal with the creditors to have a large portion of your debts forgiven so you can spend your time putting money away for retirement rather than spending it.

Foreclosure

If you are at risk of losing your home to foreclosure, a Florida bankruptcy lawyer may be able to help. Filing bankruptcy When you file bankruptcy, all foreclosure activities must stop.

You Are Dealing With Creditor Harassment

Examples of creditor harassment include:

  • Calling you all day
  • Sending threatening messages
  • Harassing you about certain debts

To get help in stopping this harassment, call a bankruptcy attorney to begin your petition for bankruptcy. Filing bankruptcy forces all creditors to stop all forms of harassment that causes your suffering.

Contact a Florida Bankruptcy Lawyer for Help

If you are considering bankruptcy, you may feel overwhelmed as you try to navigate the six-step process to file. While you may feel alone as you seek relief from your debt, that is not the case. To get help filing bankruptcy, contact a Florida bankruptcy lawyer.

The bankruptcy attorneys at The Law Offices of Daryl L. Jones, P.A are dedicated to helping clients through the stressful bankruptcy process in Florida. When you work with our award-winning team of lawyers, you will receive the trusted representation you deserve. To schedule a free initial strategy session, contact us here or call (305) 969-3602.

Understanding the Different Types of Bankruptcy in Florida

It has been reported that over half a million Americans file bankruptcy annually. When financial hardships become too much to bear, sometimes a fresh start is necessary for a person to rebuild and do better the second time around. If you are in need of debt relief, filing bankruptcy may be a good option for you.

The Florida bankruptcy lawyers of The Law Offices of Daryl L. Jones, P.A have extensive experience helping clients understand the best options are for them concerning their financial situation. If you are considering filing bankruptcy in Florida, it is important that you understand the different types of bankruptcy and how they may affect you.

What Are the Two Types of Bankruptcy in Florida?

Filing bankruptcy is an extensive process and can overwhelm you as you navigate this difficult time in your life. Depending on the type of debt relief you are seeking, there are two different types of bankruptcy you may file for that may best suit your needs.

Chapter 13 Bankruptcy

This type of bankruptcy is consumer bankruptcy. Often referred to as restructuring bankruptcy, Chapter 13 bankruptcy does not require borrowers to sell their assets. However, the borrowers are required to restructure and consolidate their credit card debt and any other outstanding debts for the court to approve their repayment plan. With the help of a Florida bankruptcy attorney, you may be able to work out a deal with the court so you may have to pay back only a small percentage of your debt.

Chapter 7 Bankruptcy

Chapter 7 bankruptcy may be a good option for you if you are suffering from any of the following types of debt:

  • Credit card debt
  • Medical bills
  • Personal loans
  • Foreclosure of your home

When filing Chapter 7 bankruptcy, you will sell all non-exempt assets so you may be released from certain debts in return. Some examples of non-exempt assets you may be subject to sell include:

  • Vacation homes
  • New cars
  • Valuable collections like coins or stamps
  • Family heirlooms
  • Valuable artwork
  • Designer shoes or handbags
  • Expensive clothing
  • Jewelry with resale value

If you work with a bankruptcy attorney, she may be able to reach an agreement that would release you from liability for your debts without having to sell your assets.

What Are the Six Steps of the Bankruptcy Process in Florida?

One of the reasons going through bankruptcy can be so stressful for borrowers because there are several steps you must follow to properly file bankruptcy. The six steps of the bankruptcy process in Florida are:

  1. Pre-bankruptcy counseling
  2. Filing the bankruptcy petition
  3. Automatic stay
  4. Creditors’ meeting
  5. Debt education course
  6. Notice of discharge

It can be overwhelming to go through each step of bankruptcy on your own. That is why it is crucial you get the help of a professional who can ensure you follow each step while also protecting you and your interests.

Get Help From a Florida Bankruptcy Attorney

The choice to file bankruptcy is not one borrower come by easily. It can be overwhelming to go through the many meticulous steps it takes for the court to grant you bankruptcy and relief from your debt. If you are unsure what type of bankruptcy you should file, it is essential you speak with a Florida bankruptcy attorney as soon as possible.

The bankruptcy attorneys at The Law Offices of Daryl L. Jones, P.A are dedicated to helping clients understand the differences between the types of bankruptcy in Florida. Our knowledgeable legal team is proud to provide clients with the award-winning legal services they deserve. To schedule a free initial strategy session, fill out our contact form or call (305) 969-3602.