Naples FL Bankruptcy Attorney

Naples FL bankruptcy attorneyWe understand the stress associated with overwhelming debt. When your financial future is in jeopardy, getting control of your finances may seem impossible. Fortunately, a Naples FL bankruptcy attorney can help.

At Ryan J. Really, Attorney at Law, PLLC, we represent all types of bankruptcy cases. We will give your case the determination and respect it deserves. If you, or a loved one, are struggling with insurmountable debt, contact us today.

Getting Your Finances in Order

Your Naples FL bankruptcy attorney can help you either reorganize or discharge your debt. Whether you’re looking for help with bankruptcy or alternatives to bankruptcy, such as debt negotiation, we can offer expert legal advise. We will discuss the facts of your case and determine the best solution for your situation.

We offer help in the following areas of practice:

Our seasoned legal team has the experience needed to help you get your finances back in order.

Qualifying for Chapter 7 Bankruptcy

With Chapter 7 bankruptcy, you can:

  • Discharge most or all of your debt
  • Halt harassment from creditors
  • Achieve debt relief faster than other forms of bankruptcy

In order to qualify for Chapter 7 bankruptcy, you must pass the means test. With this test, your disposable income is compared to the average income of different people in your same situation.

If you think you could benefit from Chapter 7 bankruptcy, consult a Naples FL bankruptcy attorney now.

Is Chapter 13 Bankruptcy Right for You?

Chapter 13 bankruptcy allows you to reorganize your debt in an effort to repay it through a payment plan spanning three to five years. Filing for Chapter 13 also comes with the following benefits:

  • Defense against foreclosure
  • Protection against creditor harassment
  • Discharge of your debt once your plan schedule ends
  • Establishment of a reasonable payment plan
  • Cram down of debt

Our Naples FL bankruptcy attorney can explain the eligibility requirements for Chapter 13 bankruptcy and help you through the filing process.

Considering Debt Negotiation?

With debt negotiation, you can negotiate with creditors the amount you owe and establish an affordable repayment plan. Though, it is vital to remember that there is a catch with debt negotiation.

Most debt negotiation services will not take your best interests into consideration. Furthermore, most services won’t even utilize effective negotiation strategies with your creditors. Consider the following when dealing with these type of services:

  • The Federal Trade Commission has uncovered numerous fraudulent debt negotiation operations that actually led customers deeper into debt.
  • Most services will guarantee a creditor’s agreement to negotiate, however, there is no way to guarantee such a thing.
  • In most cases, the debt relief service cannot settle all of your debts.

Because of the reasons detailed above, consult a Naples FL bankruptcy attorney before you seek any debt negotiation service.

How to Protect Your Home From Foreclosure

You may have trouble making regular mortgage payments if you’re struggling with overwhelming debt. Failing to make these regular payments puts your home at risk of foreclosure. Fortunately, a Naples FL bankruptcy attorney can help you protect your home.

Filing for either Chapter 7 or Chapter 13 bankruptcy can hold off foreclosure. After you file for bankruptcy, the court immediately issues an “automatic stay”. This court action legally stops creditors from collecting.

Our lawyers can also help you with the following foreclosure defense options:

  • Mortgage modification
  • Loss mitigation
  • Adhering to the 20-day foreclosure clock

Do not let creditors take your most valuable asset. Speak to a Naples FL bankruptcy attorney at Ryan J. Really, Attorney at Law, LLC, for the best foreclosure defense options available to you.

Small Business Defense

Do you own a small business and are facing insurmountable debt? You may be looking for a fresh start. There are generally two bankruptcy options available for small businesses. These two options are:

  • Chapter 7 bankruptcy: also known as the “liquidation” bankruptcy, Chapter 7 allows you to sell off assets to pay off creditors and disband the business.
  • Chapter 11 bankruptcy: this type of bankruptcy allows your to reorganize your debts in order to pay off your creditors over time.

Our skilled attorneys will handle your case on an individual basis. Whether your situation requires you to liquidate your assets or reorganize your business, we can help. Our Naples FL bankruptcy attorney will examine your situation and determine the best small business defense options for you.

Speak With a Naples FL Bankruptcy Attorney Today

Our attorneys at Ryan J. Really, Attorney at law, PLLC, pride themselves on their commitment to their clients. We will fight alongside you to get your finances back on track. If you’re facing overwhelming debt, there is a way out. Speak with an experienced Naples FL bankruptcy attorney for expert legal guidance.