Golden Gate FL Bankruptcy Attorney
At Ryan J. Really, Attorney at Law, PLLC, we understand the stressful nature of having overwhelming debt. With your financial future in jeopardy, getting control of your finances may seem impossible. Fortunately, a Golden Gate FL bankruptcy attorney can help.
Our attorneys handle all types of bankruptcy cases, as well as alternatives to bankruptcy. We will give your specific case the respect and determination it deserves. If you are struggling with insurmountable debt, give us a call today.
Regaining Control of Your Finances
An experienced Golden Gate FL bankruptcy attorney can help you reorganize or discharge your debts. We will discuss the facts of your case to find the best debt solution to fit your needs.
We specialize in the following bankruptcy cases and alternatives to bankruptcy:
- Filing for Chapter 7 bankruptcy
- Filing for Chapter 13 bankruptcy
- Personal bankruptcy
- Small business bankruptcy
- Foreclosure defense
- Debt negotiation
- Bankruptcy resources
Our seasoned legal team can help you find a fresh financial start.
How Chapter 7 Bankruptcy Can Help You
Filing for Chapter 7 bankruptcy can lead to the following benefits:
- Discharge all or part of your debt
- Block harassment from creditors
- Help you find debt relief faster than other forms of bankruptcy
You will need to take and pass the means test in order to qualify for Chapter 7 bankruptcy. During this test, your disposable income is compared to the average disposable income of other people in your state.
If you think you can benefit from filing for Chapter 7, consult a Golden Gate FL bankruptcy attorney to begin the process.
How Chapter 13 Bankruptcy Can Help You
When you file for Chapter 13 bankruptcy, you can reorganize your debt in an effort to repay them in a three to five year payment plan. Chapter 13 bankruptcy includes the following benefits:
- Defense from foreclosure with automatic stay protection
- Defense against creditor harassment
- Affordable repayment plan
- Discharge of debt upon expiration of plan schedule
- Cram down debt values
Interested in filing for Chapter 13? Contact a Golden Gate FL bankruptcy attorney to learn the requirements for eligibility, as well as the filing process.
Protecting Your Home
When overwhelming debt interferes with regular mortgage loan payments, your home is in danger of foreclosure. Fear not, a Golden Gate FL bankruptcy attorney can help defend your home.
We employ the following defense tactics to help defend against foreclosure:
- Mitigating loss
- Mortgage modification
- Complying with the 20-day foreclosure clock
Another way to halt foreclosure is filing for either Chapter 7 or Chapter 13 bankruptcy. When you file for bankruptcy, the court will issue an automatic stay. An automatic stay immediately blocks creditors from collecting.
Defending your home from foreclosure requires nimble action. Because your home is your most valuable asset, contact a Golden Gate FL bankruptcy attorney to discuss your options.
Debt negotiation allows you to negotiate with your creditors the amount you owe and come up with a new repayment strategy. However, be warned. There is a catch to debt negotiation.
A vast majority of debt negotiation services will not consider your best interests. Furthermore, most of the services won’t even utilize an effective strategy to negotiate with your creditors. Be wary of the following facts when dealing with a negotiation service:
- In the past few years, the Federal Trade Commission has charged numerous fraudulent services that ended up leading people deeper into debt.
- While some organizations guarantee your creditor’s will agree to negotiate, in reality, there really is no way to guarantee that.
Due to the reasons above, it is vital that you speak with a seasoned Golden Gate FL bankruptcy attorney for advice on debt negotiation services.
You may be in deep financial trouble and not know where to turn to for advice. Luckily, our offices at Ryan J. Really, Attorney at Law, PLLC, can provide you with the proper resources to make informed decisions. With our extensive resource database you can learn about all the aspects of bankruptcy and other related topics.
Our resource database includes the following topics:
- Bankruptcy myths and misinformation
- All aspects of filing for Chapter 7 bankruptcy
- All aspects of filing for Chapter 13 bankruptcy
- Alternatives to bankruptcy
- How to halt harassment from creditors
- How to stop foreclosure
- Information about tax refunds
- What life is like after bankruptcy
The entire process of bankruptcy is very complex. The more you understand, the more you’ll find it easier to make vital decisions. Our Golden Gate FL bankruptcy attorney can educate you on the facts of your situation and provide you the best options available.
Consult a Golden Gate FL Bankruptcy Attorney Today
If you are struggling with overwhelming debt, Ryan J. Really, Attorney at Law, PLLC, can help you regain your financial footing. Talk to a Golden Gate FL bankruptcy attorney today.