Lehigh Acres FL Bankruptcy Attorney
Crushed under excessive debt? Regaining control of your financial future may seem like an impossible feat. While you may feel stressed out now, hiring a seasoned Lehigh Acres FL bankruptcy attorney can help ease the burden on your shoulders.
At Ryan J. Really, Attorney at Law, PLLC, we firmly believe that no client should have to struggle with debt alone. From answering your questions to searching for the best debt relief strategies for you, we will guide you through the entire process of bankruptcy. We even offer consultation on bankruptcy alternatives as well. Contact us today to learn more.
Strategies to Overcoming Debt
An effective Lehigh Acres FL bankruptcy attorney can help you reorganize or discharge your debt. After analyzing the specific circumstances of your case, our attorneys can employ one of the following debt relief strategies:
- Filing bankruptcy under Chapter 7
- Filing bankruptcy under Chapter 13
- Small business bankruptcy
- Personal bankruptcy
- Powerful defense against foreclosure
- Debt negotiation
We’ve helped many clients regain control of their finances. Call today to discuss the best strategies for your situation.
Benefits of Chapter 7 Bankruptcy
Bankruptcy under Chapter 7 is also called a “liquidation bankruptcy” because it allows debtors to sell off property or assets in order to repay their debts. An experienced Lehigh Acres FL bankruptcy attorney can give you the ability to secure exemptions on your most valuable assets, including both your home and vehicles. Furthermore, an effective attorney can even help you keep all your property after filing for bankruptcy.
Benefits from filing for Chapter 7 can include:
- Discharge of all or most of your debt
- Forceful defense against harassment from creditors
- Obtaining debt relief faster than many other strategies
How do you qualify for filing under Chapter 7? In order to qualify, you must participate and pass the means test. This test will compare your income against the average income of other individuals who fall under similar circumstances to your case.
Don’t delay. If you believe you could benefit from Chapter 7 bankruptcy, or if you’re unsure of if you qualify, give us a call today.
Benefits of Chapter 13 Bankruptcy
Bankruptcy under Chapter 13 is also called a “reorganization bankruptcy” because it allows debtors to restructure their overdue debts into a new, affordable payment plan. Typically, this payment plan lasts between 3 and 5 years.
In addition, bankruptcy under Chapter 13 also awards these benefits:
- Direct foreclosure defense
- Effective fortification against creditor harassment
- Devising an affordable payment plan
- Debt release after plan schedule ends
- Compacting your debt down for repayment
In general, qualifying for Chapter 13 requires having a steady income. If you meet this qualification, or if you want to find out other qualifications for Chapter 13, contact a Lehigh Acres FL bankruptcy attorney today.
Owning your own business brings both rewards and risks. Unfortunately, in this day and age, achieving great rewards requires taking great risks. If your risks ever result in insurmountable debt, our knowledgeable bankruptcy attorney can work towards securing the financial future of your business.
Through the following two forms of bankruptcy, our seasoned legal team can help you regain control of your business’s finances:
- Chapter 7 Bankruptcy: Under this chapter, you can sell of property or assets to repay your creditors, as well as disband your business.
- Chapter 11 Bankruptcy: Under this chapter, you can reorganize all of your debt down into an affordable payment plan that will repay creditors over a predetermined length of time.
With the help of a Lehigh Acres FL bankruptcy attorney, filing for small business bankruptcy does not have to end in you losing your business. We can help you formulate the best debt relief strategy that fits your business’s needs.
Unfortunately, struggling with overwhelming debt often means that you also cannot keep up with your regular mortgage payments. This opens many people’s most valuable asset up to foreclosure. Do not add the stress of losing your home on top of the stress you’re already under from dealing with debt.
Filing for bankruptcy will give you the fastest defense from foreclosure. No matter if you file for Chapter 13 or 7, a judge will order an “automatic stay” on all of your assets, including your home. This court order prevents any creditors from reaping those assets.
To learn more about how a bankruptcy lawyer can help you defend against foreclosure actions, contact our office today.
Contact a Lehigh Acres FL Bankruptcy Attorney
Get the help you need for dealing with insurmountable debt by calling a knowledgeable Lehigh Acres FL bankruptcy attorney at Ryan J. Really, Attorney at Law, PLLC today.