No matter what financial challenges you are facing, there is a way to untangle yourself from the stranglehold of debt, but I wouldn't recommend attempting to do it on your own. The first step toward financial recovery is to find a reliable, trustworthy attorney with solid expertise in bankruptcy law. Find someone who can help you navigate the complexities of the legal system and ensure that your rights are protected every step of the way.
Stop harassing collections calls - creditors will be prohibited from making further attempts to collect your debts!. Provide you with the information you need to understand how Chapter 7 and Chapter 13 bankruptcy work. An initial face-to-face or phone consultation is necessary to determine if bankruptcy is the best solution for your financial troubles.
I will discuss all of the options available to you in-depth and present the pros and cons of each. Together, we will chart a course forward that helps you emerge debt-free and on a path to financial recovery.
Stop harassing collections calls - creditors will be prohibited from making further attempts to collect your debts!. Provide you with the information you need to understand how Chapter 7 and Chapter 13 bankruptcy work. An initial face-to-face or phone consultation is necessary to determine if bankruptcy is the best solution for your financial troubles.
I will discuss all of the options available to you in-depth and present the pros and cons of each. Together, we will chart a course forward that helps you emerge debt-free and on a path to financial recovery.
Services
CHAPTER 7: If you qualify, you pay only $425 up-front, which includes the court costs, in order to get your bankruptcy filed.
The remaining attorney fee is $1800 and is paid after the bankruptcy is filed by automatic debits from your checking account in 5 monthly payments of $360 each.
Note: We offer a $200 discount if you pay the entire court costs and attorney fee up-front.
The attorney fee quoted is for a routine, uncontested bankruptcy, which the vast majority of bankruptcies are.
In order to qualify to pay for your bankruptcy by installment payments, you will need to provide proof of employment or other regular income such as Social Security or a pension and a voided check to your checking account or a routing number and an account number for your checking account.
The remaining attorney fee is $1800 and is paid after the bankruptcy is filed by automatic debits from your checking account in 5 monthly payments of $360 each.
Note: We offer a $200 discount if you pay the entire court costs and attorney fee up-front.
The attorney fee quoted is for a routine, uncontested bankruptcy, which the vast majority of bankruptcies are.
In order to qualify to pay for your bankruptcy by installment payments, you will need to provide proof of employment or other regular income such as Social Security or a pension and a voided check to your checking account or a routing number and an account number for your checking account.
The following information could help you from making some common mistakes when filing for bankruptcy:.
1. Don't short-sell any real estate unless it is your primary residence.
A short-sale occurs when your mortgage company agrees for you to sell your home for less than you owe on the mortgage, and they forgive the difference.
If you do short-sell, the IRS will assess income tax on the amount of debt which the mortgage company is forgiving.
This income tax debt cannot be discharged in bankruptcy, at least for many years.
1. Don't short-sell any real estate unless it is your primary residence.
A short-sale occurs when your mortgage company agrees for you to sell your home for less than you owe on the mortgage, and they forgive the difference.
If you do short-sell, the IRS will assess income tax on the amount of debt which the mortgage company is forgiving.
This income tax debt cannot be discharged in bankruptcy, at least for many years.
Chapter 7 eliminates most kinds of unsecured debts, such as credit cards and medical bills.
It will not stop a foreclosure of your home or repossession of your vehicle if you are behind in payments.
You can keep certain kinds and quantities of assets, and it stops garnishments and lawsuits.
This is a reorganization form of bankruptcy for corporations, or individuals with very large (over $1,000,000) secured debts or very large (over $350,000) unsecured debts.
Chapter 13 is often used to stop foreclosure of your home or repossession of your vehicles.
It will not stop a foreclosure of your home or repossession of your vehicle if you are behind in payments.
You can keep certain kinds and quantities of assets, and it stops garnishments and lawsuits.
This is a reorganization form of bankruptcy for corporations, or individuals with very large (over $1,000,000) secured debts or very large (over $350,000) unsecured debts.
Chapter 13 is often used to stop foreclosure of your home or repossession of your vehicles.
I am a graduate of the University of Florida School of Law and served four years in the U.S. Marine Corps as a Judge Advocate General.
I am a life-long resident of Jacksonville, Florida and practice bankruptcy law exclusively.
My son, Trent Higginbotham, joined the firm after he graduated from Stetson Law School in 2015 and we've been practicing together since.
When you have your free initial consultation, by phone or in person, it will be with one of us.
We will ask you detailed questions about your financial situation and problems, answer your questions, and tell you how bankruptcy will work in your case.
I am a life-long resident of Jacksonville, Florida and practice bankruptcy law exclusively.
My son, Trent Higginbotham, joined the firm after he graduated from Stetson Law School in 2015 and we've been practicing together since.
When you have your free initial consultation, by phone or in person, it will be with one of us.
We will ask you detailed questions about your financial situation and problems, answer your questions, and tell you how bankruptcy will work in your case.
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