Searching for a bankruptcy attorney? If you feel like you are drowning in DEBT, take advantage of our FREE Consultation and let an experienced lawyer explain how a bankruptcy can be used to STOP creditor harassment, bank account garnishment, lawsuits, foreclosure, auto repossession, wage garnishments and tax levies. Review our answers to commonly asked bankruptcy questions or use our "FREE Consultation" form on the left and we will respond to you promptly.
You can always call the Law Offices of Keith D. Collier to speak directly with an attorney. Most people want to pay their bills but unexpected medical expenses, unemployment or bad luck can make it impossible to do so. There is a myriad of misconceptions and each method of debt relief has pitfalls that can cost valuable time and money. Protect your rights.
For a successful and proven attorney, call the Law Offices of Keith D. Collier in Jacksonville for a FREE Consultation. To qualify for relief under Chapter 7 of the U.S. Bankruptcy Code, the debtor may be an individual, a partnership, or a corporation or other business entity.
You can always call the Law Offices of Keith D. Collier to speak directly with an attorney. Most people want to pay their bills but unexpected medical expenses, unemployment or bad luck can make it impossible to do so. There is a myriad of misconceptions and each method of debt relief has pitfalls that can cost valuable time and money. Protect your rights.
For a successful and proven attorney, call the Law Offices of Keith D. Collier in Jacksonville for a FREE Consultation. To qualify for relief under Chapter 7 of the U.S. Bankruptcy Code, the debtor may be an individual, a partnership, or a corporation or other business entity.
Services
Generally, we see clients with lower credit scores (450 - 550) increase 50 - 100 points after filing.
Clients with mid range scores (600) stay about the same and higher credit scores (700 or above) decrease 40 to 80 points.
We have started referring our clients to Credit Karma to check their credit score prior to filing.
This allows the filer to watch how their credit score is affected.
We also pull full credit reports with credit scores prior to filing and use software that estimates how our client's credit score might change.
Clients with mid range scores (600) stay about the same and higher credit scores (700 or above) decrease 40 to 80 points.
We have started referring our clients to Credit Karma to check their credit score prior to filing.
This allows the filer to watch how their credit score is affected.
We also pull full credit reports with credit scores prior to filing and use software that estimates how our client's credit score might change.
To begin, call our office or send an email to request a free in-office or phone consultation.
Most appointments are scheduled within the next few days.
During your free consultation, we will discuss your issues, what services our firm can offer to resolve your problems and the cost and fees associated with our services.
The initial consultation is the first and most important step when you want to file bankruptcy.
For your convenience, we have offices located in Jacksonville and Orlando, Florida.
Most appointments are scheduled within the next few days.
During your free consultation, we will discuss your issues, what services our firm can offer to resolve your problems and the cost and fees associated with our services.
The initial consultation is the first and most important step when you want to file bankruptcy.
For your convenience, we have offices located in Jacksonville and Orlando, Florida.
Mortgage Loan Modification - Mortgage modification (or loan re-modification) are popular terms in the current economy.
Most of us would benefit from a modification of our mortgage loan.
However, this is a voluntary process that can only be done by the lender.
There is no way to force a lender to modify your loan.
Foreclosure Defense - Foreclosure defense is another term that has increased in popularity out of the necessity to slow down the foreclosure process.
It is used as a negotiation tool by a foreclosure attorney to pressure the lender into a mortgage loan modification.
Most of us would benefit from a modification of our mortgage loan.
However, this is a voluntary process that can only be done by the lender.
There is no way to force a lender to modify your loan.
Foreclosure Defense - Foreclosure defense is another term that has increased in popularity out of the necessity to slow down the foreclosure process.
It is used as a negotiation tool by a foreclosure attorney to pressure the lender into a mortgage loan modification.
Mortgage loan modifications have recently increased in popularity as mortgage companies have become more willing to work out payment reductions for those overburdened by their monthly payments.
Rather than see borrowers face foreclosure or abandon their homes, lenders are inclined to offer a mortgage loan modification.
The new payment is calculated a variety of ways.
Mortgage companies may use their own guidelines and/or government programs such as HAMP, to evaluate and determine your ability to pay.
Rather than see borrowers face foreclosure or abandon their homes, lenders are inclined to offer a mortgage loan modification.
The new payment is calculated a variety of ways.
Mortgage companies may use their own guidelines and/or government programs such as HAMP, to evaluate and determine your ability to pay.
A Chapter 13 bankruptcy can stop repossession and prevent your vehicle (car, truck or boat) from being taken if the petition is filed before the property has been seized.
Once the property has been repossessed, Chapter 13 bankruptcy cannot get the property back.
In the state of Florida, once the vehicle is taken by the creditor (and the creditor has legal possession of the vehicle), it is theirs and the Bankruptcy Court cannot force them to turn it over.
To keep your car, the key is to file Chapter 13 bankruptcy before to the vehicle is taken.
Once the property has been repossessed, Chapter 13 bankruptcy cannot get the property back.
In the state of Florida, once the vehicle is taken by the creditor (and the creditor has legal possession of the vehicle), it is theirs and the Bankruptcy Court cannot force them to turn it over.
To keep your car, the key is to file Chapter 13 bankruptcy before to the vehicle is taken.
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