Debt problems can affect anyone. Hardworking people who have encountered medical issues, unexpected job losses or divorce may suddenly find themselves facing large amounts of debt. But, although there are thousands of people who file for bankruptcy protection every year, each person has a unique situation and needs a unique solution. The Law Offices of Roy A. Praver is not your ordinary bankruptcy law firm.
We want to establish a personal relationship with you so that you feel at home in our offices. We provide our clients with a family-oriented atmosphere where you can feel at ease discussing your situation. Our experience handling hundreds of bankruptcy cases each year has given us the understanding and knowledge necessary to help you, no matter what your situation may be.
We offer personal, compassionate services that are directed at moving you through the bankruptcy process as quickly and effortlessly as possible. We want to reassure you that although bankruptcy may seem daunting, it opens up new opportunities for you and gives you a second chance at financial security.
We want to establish a personal relationship with you so that you feel at home in our offices. We provide our clients with a family-oriented atmosphere where you can feel at ease discussing your situation. Our experience handling hundreds of bankruptcy cases each year has given us the understanding and knowledge necessary to help you, no matter what your situation may be.
We offer personal, compassionate services that are directed at moving you through the bankruptcy process as quickly and effortlessly as possible. We want to reassure you that although bankruptcy may seem daunting, it opens up new opportunities for you and gives you a second chance at financial security.
Services
Providing excellence in legal services has always been the top priority at the Law Offices of Roy A. Praver.
We have helped more than 1,000 clients in the Central Florida area with Chapter 7, and Chapter 13 Bankruptcy cases.
We offer personalized service at Affordable rates!
As a client, you can rest assured that your case will always receive special care and consideration.
We understand that these are difficult times and difficult decisions for our clients.
At the Law Offices of Roy A. Praver we take that extra step to provide and explain the most up-to-date legal advice to our clients.
We have helped more than 1,000 clients in the Central Florida area with Chapter 7, and Chapter 13 Bankruptcy cases.
We offer personalized service at Affordable rates!
As a client, you can rest assured that your case will always receive special care and consideration.
We understand that these are difficult times and difficult decisions for our clients.
At the Law Offices of Roy A. Praver we take that extra step to provide and explain the most up-to-date legal advice to our clients.
The United States Bankruptcy Court - Middle District of Florida is located at 400 West Washington Street in Orlando (George C. Young Federal Building & Courthouse).
Visit the website of the United States Bankruptcy Court - Middle District of Florida for office hours, frequently asked questions, judges opinions, local rules, forms, procedures and general information.
Driving Directions?
The Law Offices of Roy A. Praver has provided this information in a PDF format for your convenience.
You need Adobe Acrobat Reader X or greater installed to view and print the documents.
Visit the website of the United States Bankruptcy Court - Middle District of Florida for office hours, frequently asked questions, judges opinions, local rules, forms, procedures and general information.
Driving Directions?
The Law Offices of Roy A. Praver has provided this information in a PDF format for your convenience.
You need Adobe Acrobat Reader X or greater installed to view and print the documents.
Any creditors (including collections agencies) from corresponding with you at all, including phone calls, letters, etc.
The powerful benefit of Chapter 7 is that it relieves the debtor of ever having to pay most types of debt.
This permanent forgiveness of debt under Chapter 7 Bankruptcy is called a discharge.
Chapter 7 is intended for debtors who do not have any income available after necessary expenses to make payment on their debts, and they also do not have any assets or property available to repay their debts.
The powerful benefit of Chapter 7 is that it relieves the debtor of ever having to pay most types of debt.
This permanent forgiveness of debt under Chapter 7 Bankruptcy is called a discharge.
Chapter 7 is intended for debtors who do not have any income available after necessary expenses to make payment on their debts, and they also do not have any assets or property available to repay their debts.
The US Bankruptcy Code offers several choices to one who is struggling with debt.
A Chapter 7 bankruptcy is the most common form and preferred option for most debtors.
1. Time: A typical Chapter 7 bankruptcy takes about 150 days from beginning to end.
Once the case is filed, a brief creditor's meeting is held about 30 days into the process.
Unless a creditor objects (rare), the case ends about three months later with little excitement.
A Chapter 13 case will run from 36 to 60 months, 3 to 5 years.
A Chapter 7 bankruptcy is the most common form and preferred option for most debtors.
1. Time: A typical Chapter 7 bankruptcy takes about 150 days from beginning to end.
Once the case is filed, a brief creditor's meeting is held about 30 days into the process.
Unless a creditor objects (rare), the case ends about three months later with little excitement.
A Chapter 13 case will run from 36 to 60 months, 3 to 5 years.
Q: What is a Chapter 7 Bankruptcy?
A: Chapter 7 is the most common form of bankruptcy.
It is also the simplest to file.
In a Chapter 7 bankruptcy, you will not repay many of your debts, and your creditors will be forbidden to attempt collection from you.
Unsecured debts such as credit cards, medical bills, personal signature loans and all other loans and debts that are not secured by collateral are generally discharged (meaning gone forever!) in a Chapter 7 bankruptcy.
Certain debts are not dischargeable, including any debt that is not listed in your schedule of creditors, certain taxes, alimony, child support, criminal debts, most student loans, and a few others.
A: Chapter 7 is the most common form of bankruptcy.
It is also the simplest to file.
In a Chapter 7 bankruptcy, you will not repay many of your debts, and your creditors will be forbidden to attempt collection from you.
Unsecured debts such as credit cards, medical bills, personal signature loans and all other loans and debts that are not secured by collateral are generally discharged (meaning gone forever!) in a Chapter 7 bankruptcy.
Certain debts are not dischargeable, including any debt that is not listed in your schedule of creditors, certain taxes, alimony, child support, criminal debts, most student loans, and a few others.
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