Bonita Springs FL Bankruptcy Attorney

We know how stressful it can be to struggle with overwhelming debts. You may be worried about your future, and wondering how you and your family can get control of your finances. Fortunately, there are options. A Bonita Springs FL bankruptcy attorney can help.

At Ryan J. Really, Attorney at Law, PLLC, we handle bankruptcy cases with both respect and determination. If you or your loved ones are facing seemingly insurmountable debts, call us today at (239) 237-0675.

Helping You Regain Control of Your Finances

We can help you discharge or reorganize your debts. We handle both bankruptcy cases and alternatives to bankruptcy, such as debt negotiation. An experienced Bonita Springs FL bankruptcy attorney can discuss with you the details of your case and help you find a debt solution best suited to your needs.

Our areas of expertise include the following:

• Chapter 7 bankruptcy
• Chapter 13 bankruptcy
• Foreclosure defense
• Debt negotiation
• Personal bankruptcy
• Small business bankruptcy
• Bankruptcy resources

We have both the legal expertise and the resources to help you get a fresh financial start.

What Is Chapter 7 Bankruptcy?

Chapter 7 bankruptcy has quite a few benefits. It allows you to:

• Discharge most of your debt
• Stop creditor harassment
• Achieve debt relief faster than other types of bankruptcy

In order to qualify for Chapter 7, you must pass the means test. This test takes your disposable income, and compares it to the average amount of disposable income people have in your state.

Your Bonita Springs FL bankruptcy attorney can help you determine whether you are eligible for Chapter 7 bankruptcy, and whether this is a good option for your circumstances.

What Is Chapter 13 Bankruptcy?

Chapter 13 bankruptcy allows you to reorganize your debts and repay them in a payment plan over a span of three to five years. Benefits to filing Chapter 13 include the following:

• Foreclosure defense and automatic stay protection
• Protection from creditor harassment
• Reasonable repayment plan
• Discharge of debt once the plan schedule expires
• Ability to cram down debt values for repayment

If you are considering filing bankruptcy, but aren’t certain whether Chapter 13 bankruptcy is right for you, speak to a Bonita Springs FL bankruptcy attorney at Ryan J. Really, Attorney at Law, PLLC. We can advise you of the benefits of filing Chapter 13, eligibility requirements, and the filing process.

Is Debt Negotiation a Viable Option?

With debt negotiation, you might be able to speak with your creditors to negotiate the amount owed, and then come up with a new repayment strategy. But there’s a catch.

Most debt negotiation services do not have your best interests in mind. Moreover, many of them won’t necessarily use smart, aggressive strategies to negotiate with creditors. Things to be aware of include the following:

• Some services are not legitimate. In 2006, the Federal Trade Commission charged five different fraudulent operations that actually led people into further debt
• Some organizations will guarantee a creditor’s agreement to negotiate. In reality, there is no way to guarantee that a creditor will accept the negotiation.

Because of this, it’s important to speak to an experienced Bonita Springs FL bankruptcy. We can advise you of your options and help you decide whether debt negotiation makes sense for your circumstances.

Contact a Bonita Springs FL Bankruptcy Attorney Today

At Ryan J. Really, Attorney at Law, PLLC, we commit ourselves to helping our clients recover from their debt problems. If you are struggling to pay your bills and wondering if there’s a way out, contact us to speak to a Bonita Springs FL bankruptcy attorney who can help. Contact us today at (239) 237-0675.