Chapter 7 and Chapter 13 Florida Bankruptcy Attorney
Nobody is immune to the affects of our plummeting economy. Unfortunately, many people have found themselves in difficult situations where they are unable to complete their day to day activities. It is important to know that there are options available if you have been affected by the downfall of the economy. We can assist you.
James S. Werter, LLC, Attorney at Law, serves the Jacksonville Beach, Saint Augustine, Palm Coast and Palatka, Florida, areas in bankruptcy law. We are a highly experienced law firm that is committed to helping you get the debt relief you need.
Get a Fresh Start Today
It is a common misconception that there is a negative social stigma if you file for bankruptcy. Bankruptcy is a tool to aid you in a time of need. Maybe you are going through a divorce, recently lost your job or suffered a medical emergency. No matter what situation you may be facing, it is critical that you seek guidance from a lawyer. At our firm, you will get straight facts from an experienced attorney who will always be looking out for your best interests.
Call our firm today at 904-494-4373 to schedule a free initial consultation with Mr. Werter.
Chapter 7 and Chapter 13 Debt Relief From an Experienced Lawyer
Chapter 7 is commonly known as a straight bankruptcy. In a Chapter 7, unsecured debt such as credit cards, personal leans and delinquent bills are discharged by the bankruptcy court. Chapter 13 bankruptcy is available to an individual who has too much income or for someone who wants to keep their home and other assets. In a Chapter 13, a portion of your debt will be paid back to creditors over a three to five year payment plan, as determined by the bankruptcy court.
In both a Chapter 7 and a Chapter 13, certain debts cannot be discharged, including:
- Government student loans
- Alimony
- Child support
As soon as you file bankruptcy, you are protected from creditors. Immediately after you file your petition, an automatic stay is issued by the bankruptcy court. This means creditors are no longer allowed to contact you about your debts.
Contact Our Bankruptcy Attorney
Think bankruptcy may be right for you? Contact our firm online or by calling 904-494-4373 to schedule a consultation with Mr. Werter. We offer free initial consultations in bankruptcy law.