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Bankruptcy Attorneys in Miami, FL
Overwhelming debt can cause stress and uncertainty that may have serious consequences for you and your family relationships. If you are having personal financial trouble, difficult to meet your obligations now and nearly impossible to plan for the future, let Del Pino & Granados Law Firm help. Our attorneys provides chapter 7 and 13 bankruptcy assistance for individuals in Miami, Florida. Call today to request a consultation.
Chapter 7
Sometimes referred to as a "total debt bankruptcy,” Chapter 7 has generally been the bankruptcy used by people who have few assets, but who carry a large amount of unsecured debt.
Chapter 7 bankruptcy discharges debts such as credit card debt, medical bills, personal loans, delinquent utility bills, old tax debt, and deficiencies on repossessed vehicles. Under Chapter 7 bankruptcy, you will never have to pay your creditors for these types of debts. However, there are several types of debts that cannot be discharged by filing for Chapter 7. For more information, talk with our attorneys at Del Pino & Granados Law Firm in Fort Myers, Florida.
Chapter 13
Living under debt can take a toll on you and your family. Del Pino & Granados Law Firm has the experience and skills, to help you get a new start using Chapter 13 bankruptcy. It'll help you reorganize your debt according to your ability to pay. It will provide you with three to five-year repayment plans to pay off your debt, reduce or eliminate it, or make it current. Chapter 13 uses a means test to establish the unsecured debt percentage you can afford to pay back. If you have secured debts, they'll be made current during the period of repayment, which when combined with automatic stay on every collection activity (a part of bankruptcy in general), will help you fight repossession and foreclosure.