Cape Coral FL Bankruptcy Attorney
Getting control of your finances when facing overwhelming debt may seem impossible. Fortunately, a Cape Coral FL bankruptcy attorney at Ryan J. Really, Attorney at Law, PLLC can help. We handle many types of bankruptcy cases, and can even discuss whether pursuing alternatives to bankruptcy is a viable option. Our attorneys have the experience needed to give your case the respect and attention it deserves.
If you or your loved ones are crippled by overwhelming debt, give us a call at (239) 237-0675 today.
Getting Control of Your Finances
Our Cape Coral FL bankruptcy attorney can help you reorganize or discharge your debts. We will examine the facts of your case, as well as help you find the best debt solution suited to your needs. Whether you’re looking to file for bankruptcy or for alternatives to bankruptcy, we can help.
We handle the following:
- Chapter 7 bankruptcy
- Chapter 13 bankruptcy
- Personal bankruptcy
- Small business bankruptcy
- Debt negotiation
- Foreclosure defense
With our knowledge and experience in the areas above, we can help you secure a better financial future.
Benefits of Chapter 7 Bankruptcy
Filing for Chapter 7 bankruptcy includes the following benefits:
- Halt creditor harassment
- Discharge all or most of your debt
- Attain debt relief quicker than other forms of bankruptcy
To qualify for Chapter 7 bankruptcy, you will need to pass the means test. This test compares your disposable income to the average disposable income of other people in your state.
Is Chapter 7 bankruptcy a viable option for your circumstances? Contact a Cape Coral FL bankruptcy attorney to weigh your options and determine if you’re eligible.
Benefits of Chapter 13 Bankruptcy
Filing for Chapter 13 bankruptcy allows you to reorganize your debts in order to pay them off through a three to five year payment plan. Benefits of Chapter 13 include the following:
- Automatic stay protection
- Foreclosure defense
- Stopping harassment from creditors
- Establishing a practical payment plan
- Debt discharge after your plan schedule expires
- Cram down of debt values for repayment
Thinking of filing for Chapter 13? A Cape Coral FL bankruptcy attorney can explain the benefits and requirements of eligibility, as well as walk you through the entire filing process. We can help you decide if Chapter 13 is right for you.
Can You Benefit From Debt Negotiation?
Debt negotiation allows you to negotiate with your creditors the amount owed and come up with a reasonable payment strategy. That may sound great, however there is a catch.
Many debt negotiation services will not consider your best interests. In fact, many of these services will not even use effective negotiation strategies against your creditors. When dealing with a debt negotiation service, consider the following:
- The legitimacy of a particular service. In the past few years, the Federal Trade Commission has unveiled fraudulent services which have actually led people deeper into debt.
- No matter how much an organization guarantees a creditor’s agreement to negotiate, there is no way to guarantee such a thing. Some creditors will simply not agree to negotiate.
Because of these issues, it is vital that you speak to a Cape Coral FL bankruptcy attorney for advise on debt negotiation. We can examine your circumstances and determine if debt negotiation is your best option.
Protect Your Home With Foreclosure Defense
If you’re struggling to make regular mortgage payments, your home may be at risk. Fortunately, you have options. Filing for either Chapter 7 or Chapter 13 bankruptcy can potentially halt foreclosure. After filing, the court will issue an immediate “automatic stay”, which will prevent creditors from collecting.
Other foreclosure defense options include the following:
- Mortgage modification
- Defeating the 20-day foreclosure clock
- Mitigation of loss
Defending a home from foreclosure defense requires immediate action. An experienced Cape Coral FL bankruptcy attorney at Ryan J. Really, Attorney at Law, PLLC can help you protect your home.
Providing Extensive Bankruptcy Resources
If you’re deep in debt and unaware of your available options, we can provide you with the proper resources. Our resource database will aide you in your search for bankruptcy information. With our help, you can make better informed decisions about your finances.
Our database includes information on the following:
- Common myths about bankruptcy
- Everything you need to know about Chapter 7 bankruptcy
- Everything you need to know about Chapter 13 bankruptcy
- Alternatives to bankruptcy
- How to stop harassment from creditors
- How to stop foreclosure
- Life after bankruptcy
The more informed you are about bankruptcy, the easier it is to make a decision. Our Cape Coral FL bankruptcy attorney can help you explore our resource database and answer any of your questions.
Contact a Cape Coral FL Bankruptcy Attorney Today
Facing mounting debts can be extremely stressful. When your financial future is on the line, you may not know who to turn to for help. At Ryan J. Really, Attorney at Law, LLC, we can help you find the path to recovery. To speak to an experienced Cape Coral FL bankruptcy attorney, call (239) 237-0675 today.