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Orlando Bankruptcy Attorneys

Helping Clients Address Their Financial Situations in Florida

NeJame Law has decades of experience handling all kinds of case types, including those involving serious financial situations. If you or your business are being threatened financially, whether it be from a mortgage, excessive medical bills, personal debt, or a high amount of credit card debt, bankruptcy may be the best option for you. Our Orlando bankruptcy attorneys are aware of the stigma attached to bankruptcy and can demystify the process to help you understand why declaring bankruptcy could be your best solution in the long run. We’re knowledgeable about the federal laws governing bankruptcy law and can quickly resolve your financial issues to get rid of your debt so you and your family or business can have a fresh start. The stigma that many believe will attach has become, for so many, a thing of the past. Bankruptcy is simply another form of financial management and planning. You have options and to relieve yourself of the stress and the difficulties of feeling like you can never get ahead with the crushing debt, can be liberating and empowering, allowing you to move forward. We’re here to tell you that there is life after bankruptcy.

What is Bankruptcy?

Do you need relief from your debt? Bankruptcy is an option that individuals, couples, and businesses can turn to when they’re no longer able to meet their financial obligations in that it excuses them from repaying some or all of their debt. There are numerous types of bankruptcies available depending on whether the bankruptcy is personal or franchise, and all of them are governed by federal law.

There are many benefits to declaring bankruptcy that can put an end to other things besides your mounting debt. Other inconveniences that can stop once you’ve declared bankruptcy include:

  • Creditor harassment, such as constant phone calls and letters
  • Repossession of property
  • IRS levies
  • Wage garnishments
  • Foreclosures

Debts you may be struggling with include credit card debt, bank loans, and medical bills. Some of our clients are under financial strain when they lose their jobs, go through a divorce, or lose a family member’s income. No matter what happened that led you to this point, it’s important to know that you’re not alone—millions of Americans have declared bankruptcy before you and have gone on to resolve their issues and start anew.

Chapter 7 Vs. Chapter 13 Bankruptcy

If you’re an individual or small business owner, you’ll most likely be choosing between a Chapter 7 bankruptcy or Chapter 13 bankruptcy—that is, you’ll be choosing between a “liquidation” bankruptcy or “reorganization” bankruptcy.

A Chapter 7 bankruptcy is the most common type of bankruptcy for individuals who have a large amount of debt and very few assets, as it discharges all of your unsecured debts, from credit cards and personal loans to medical bills. In exchange, your non-exempt property will be sold or liquidated by a trustee, and the proceeds will be given to those you owe money to. In some situations, you may be able to hold onto your home and car. Chapter 7 isn’t an option for individuals whose incomes are deemed too high.

Chapter 13 bankruptcy is often utilized by those who’d benefit from an organized payment plan. This gives people a way to catch up to their past due payments by creating a plan to pay creditors over a period of three to five years, which is why it’s also known as a “wage earner’s plan.” This is an option for individuals who have a steady income and are able to pay back creditors over time.

Do I Need a Bankruptcy Attorney?

There are many decisions you’ll have to make that require in-depth knowledge of bankruptcy law and the wrong decision can cost you a more difficult future. If you’re unable to pay your bills, have no cash flow, or are receiving constant calls from debt collectors, you’ll likely need to meet with an attorney sooner rather than later. Bankruptcy may be the ideal situation and alternative for you.

Our Bankruptcy Division can help you through every stage of the process, from planning for bankruptcy by determining which type to file, preparing for bankruptcy by valuing your property, and completing the paperwork you’ll need to fill out during your bankruptcy. Additionally, we’re available to offer you advice on rebuilding credit so you can fully take advantage of your fresh start. Get the debt relief you deserve now and call our Orlando-based bankruptcy team for trusted legal advice.

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