Welcome to Bankruptcy Legal Services Having trouble paying your bills? If you're struggling with credit card bills, medical debt or mortgage payments, Getting dunning notices and call from creditors? Are you worried about losing your home or your car? you're not alone. You have legal options to get your life back on track.Get help today. Simply fill out the below form to connect with a local bankruptcy attorney for a free case evaluation.Stop Collectors from calling You. Call us Right Now Don't Wait Don't Wait One More Day Your financial situation doesn't have to go from bad to worse. Bankruptcy maybe the Solution for You .Free Bankruptcy Consultation Please fill out the form. You can immediately stop all harassment and legal actions, wipe out a good deal of your debt and get a new start on life Thank you and Congratulations. Thank you and Congratulations Debt Free!!!!

Bankruptcy,Miami Beach, Miami Gardens,Miami, Aventura, Coral Gables, Doral, Florida City, Hialeah, Homestead, Key Biscayne, Medley, Miami Beach, Miami Lakes, Pinecrest, Fort Lauderdale, Hollywood, Pembroke Pines, Plantation, Sunrise, Weston, Jupiter, Clewiston, South Bay, West Palm Beach, Key West, Marathon and Islamorada,Find a Bankruptcy Lawyers, Attorneys, Law Firms and Attorneys, Attorney, lawyer, and law firm directory to find a lawyer, attorneys, and local law firms,attorney, lawyer, find a lawyer, lawyers, attorneys, local lawyer, local attorney, local law firm, personal injury lawyer, lawyer directory, law firm directory, immigration attorney, personal injury attorney, immigration lawyer, attorneys, lawyers, immigration, mesothelioma, personal injury, divorce, family law, real estate, bankruptcy, Miami, Florida, we serve clients in Aventura, Coral Gables, Florida City, Hialeah, Homestead, Key Biscayne, Miami, Miami Beach, North Miami Beach, Coral Springs, Deerfield Beach, Fort Lauderdale, Hallandale Beach, Hollywood, Margate, Miramar, Pembroke Pines, Plantation, Pompano Beach, Sunrise, Tamarac, Key West, Marathon, Islamorada as well as communities in Miami-Dade County, Broward County and Monroe County aventura homestead brickell key biscayne miami beach miami springs pinecrets fort lauderdale bancos financieros new aventura homestead brickell key biscayne miami beach miami springs pinecrets fort lauderdale kendall doral brickell aventura homestead brickell key biscayne miami beach miami springs pinecrets fort lauderdale bancos financieros aventura homestead brickell key biscayne miami beach miami springs pinecrets fort lauderdale kendall doral brickell aventura homestead brickell key biscayne miami beach miami springs pinecrets fort lauderdale bancos financieros aventura homestead brickell key biscayne miami beach miami springs pinecrets fort lauderdale kendall doral brickell aventura homestead brickell key biscayne miami beach miami springs pinecrets fort lauderdale bancos financieros aventura homestead brickell key biscayne miami beach miami springs pinecrets fort lauderdale kendall doral brickell aventura homestead brickell key biscayne miami beach miami springs pinecrets fort lauderdale bancos financieros aventura homestead brickell key biscayne miami beach miami springs pinecrets fort lauderdale kendall doral brickell aventura homestead brickell key biscayne miami beach miami springs pinecrets fort lauderdale bancos financieros aventura homestead brickell key biscayne miami beach miami springs pinecrets fort lauderdale kendall doral brickell bancos financieros aventura homestead brickell key biscayne miami beach miami springs pinecrets fort lauderdale kendall doral brickell aventura homestead brickell key biscayne miami beach miami springs pinecrets fort lauderdale bancos financieros new aventura homestead brickell key biscayne miami beach miami springs pinecrets miami homes sales real estate mortgage loans realtor agents realty best money investment house new homes builders Real Estate Investment Opportunities new construction homes business opportunities real estate agents realtor condos apartments land commercial loan mortgage lenders miami homes sales real estate mortgage loans realtor agents realty best money investment house new homes builders Real Estate Investment Opportunities new construction homes business opportunities real estate agents realtor condos apartments land commercial loan mortgage lenders miami homes sales real estate mortgage loans realtor agents realty best money investment house new homes builders Real Estate Investment Opportunities new construction homes business opportunities real estate agents realtor condos apartments land commercial loan mortgage lenders miami homes sales real estate mortgage loans realtor agents realty best money investment house new homes builders Real Estate Investment Opportunities new construction homes business opportunities real estate agents realtor condos apartments land commercial loan mortgage lenders miami banks rates loans mortgage condos apartments rents lease best rates refinance bancos miami attorneys abogados miami insurance compare homes house builders realtors miami banks rates loans mortgage condos apartments rents lease best rates refinance bancos miami attorneys abogados miami insurance compare homes house builders realtors miami banks rates loans mortgage condos apartments rents lease best rates refinance bancos miami attorneys abogados miami insurance compare homes house builders realtors

How File Bankruptcy in the United States

Bankruptcy can be a hard pill to swallow

especially if you consider yourself to be responsible. However, this law was put into place for your protection. The credit card companies don't care about making things easier for you, no matter how loyal you have been. Here's what to expect, and how to make it as painless as possible.

(1) Make sure that there are no other alternatives.

A bankruptcy will remain on your credit file for up to ten years. However, if you are considering filing, your credit is probably already in bad shape. Bankruptcy allows for a fresh start. Under the Bankruptcy Abuse Prevention and Consumer Protection Act ("BAPCPA"), which significantly amended the U.S. Bankruptcy Code effective October 17, 2005, prior to filing a bankruptcy case, an individual must obtain some consumer credit counseling from an entity approved by the U.S. Trustee within 180 days of the date of the filing of a bankruptcy case. Such counseling is intended to provide an individual with alternatives to filing a bankruptcy case.

2) Consider the two common bankruptcy types.

The most popular is the chapter 7 (which is a straight or liquidation bankruptcy), and there is also the chapter 13 (which is a repayment plan for individuals). BAPCPA has made it more difficult to file a chapter 7 case because of the means test. Many individuals will be forced to file a chapter 13 case because of the means test.

(3) Research your options as it relates to filing.

Some people choose to file without the aid of a lawyer. However, it's highly recommended to hire a lawyer. Your research should help you decide on a lawyer. In most cases, people who choose large firms to represent them will work with a paralegal and not the lawyer. Try to find a firm in which you have direct contact with your lawyer.

(4) Meet with the lawyer you've selected and go over your "case."

Your lawyer should be asking and answering ALL of your questions. They will determine which chapter is best for you, based on your financial affairs. A lawyer will also assist you with completing the BAPCPA's means test.

(5) Find out how much it will cost.

The fees for filing are varied. Some lawyers will charge a flat fee, while others will charge based upon the amount of debt that you have. The former is always the best route to go. Some lawyers will require that you pay up front before they file. Others will allow you to pay in installments, and will file the case with a deposit. The average fee is $1,700. There are some places that will file for free if you do not have the financial means to do so. The average fee will vary depending upon where you live. A lawyer cannot be your creditor in a chapter 7 case, so the attorney's fee for a chapter 7 case must be paid in full before the case is filed. If you still owe an attorney part of the bankruptcy fee when you file a chapter 7 case, it becomes uncollectable and the attorney must waive the unpaid balance or else cannot continue to represent you. In a chapter 13 case, if agreed with the lawyer, the entire attorney's fee need not be paid prior to filing, and may be paid through your chapter 13 plan.

(6) Refer all creditors to your lawyer's office.

once he or she has been retained. They will then be able to speak on your behalf (which means no more annoying calls). Once your lawyer has filed your case, the "automatic stay" goes into effect. This means that NO creditors should be contacting you about your debt. This stay is enforced, and creditors can be liable if they go against it. A willful violation of the automatic stay can result in damages being assessed against a creditor, including a reasonable attorney's fee, and in appropriate cases, punitive damages may be awarded.

(7) Wait for a meeting of creditors..

Once your lawyer has submitted your petition, you will be notified by mail (most often) of your date for a meeting of creditors (or a "341 meeting," named after the section of the Bankruptcy Code requiring it). This meeting allows the trustee to ensure that you have given truthful answers on your bankruptcy petition, and that you understand and agree to filing for bankruptcy. Your lawyer should have met with you prior to this meeting to go over all of your debt to ensure that it is all listed. You must also list all of your assets. He or she will also go over sample questions that will be asked at the meeting. Prior to the meeting, you should have reviewed your file with your lawyer. Once you are sworn in at the meeting, you will answer questions that are recorded. The meeting will last about ten minutes.

(8) If you are thinking about filing a bankruptcy case

do not use your credit cards. If you do so with the intent to file, a creditor can challenge the discharge of the debt owed or even your right to discharge any debt. If you obtained the debt knowing that you could not repay it, you may not be able to discharge that debt if the creditor challenges it through a lawsuit, or adversary proceeding, in your bankruptcy case.

(9) In a chapter 7 case, the trustee will determine whether or not there are assets that can be liquidated and used to repay your creditors.

If the trustee determines that all your assets are exempt, a report of no distribution will be filed with the bankruptcy court. If the trustee determines that there are non-exempt assets, they will be sold and payments may be made to your creditors. In a chapter 7 case, you may never have to pay a creditor back. In a chapter 13, you will be required to enter into a 3 to 5 year plan, in which you will pay creditors as much as you can over time, taking into consideration the BAPCPA means test.

(10) The 60th day after your meeting of creditors is first set is the deadline for creditors to file lawsuits to challenge the discharge of a particular debt or your entire discharge.

If no such lawsuits are filed, shortly after that 60th day you will receive notification of a discharge of debt if you filed chapter 7. A discharges means that you have no further obligation to repay the discharged debt (the existence of that discharged debt may still appear in your credit reports), and that your creditors can never collect the debt from you. If you filed chapter 13 case, you will receive the notice of discharge approximately 30 to 60 days after your final payment has been made and the trustee ensures your payment plan has been followed and completed. Not all debt is discharged in a chapter 7 or 13 case, including student loans and certain taxes, so you may not be completely relieved of the obligation to repay all debt. Whether or not a debt is discharged depends upon certain Bankruptcy Code provisions, and with respect to some debts, whether or not a creditor succeeded in convincing a judge that your debt to that creditor should not be discharged.

Filing bankruptcy is stressful, and it is not easy.

The decision as to whether to use an attorney should be taken very seriously. After all you will have many questions throughout the process and if you mess up badly, your case could end up being dismissed altogether. Because of the long-term legal and financial consequences, you need to strongly consider obtaining sound legal advice..

bankruptcy bankruptcy attorney lawyer chapter 7 chapter 13 fees pricesMiami Beach bankruptcy attorney lawyer chapter 7 chapter 13 fees prices Miami Gardens bankruptcy attorney lawyer chapter 7 chapter 13 fees pricesMiami bankruptcy attorney lawyer chapter 7 chapter 13 fees prices Aventura bankruptcy attorney lawyer chapter 7 chapter 13 fees prices Coral Gables bankruptcy attorney lawyer chapter 7 chapter 13 fees prices Doral bankruptcy attorney lawyer chapter 7 chapter 13 fees prices Florida City bankruptcy attorney lawyer chapter 7 chapter 13 fees prices Hialeah bankruptcy attorney lawyer chapter 7 chapter 13 fees prices Homestead bankruptcy attorney lawyer chapter 7 chapter 13 fees prices Key Biscayne bankruptcy attorney lawyer chapter 7 chapter 13 fees prices Medley bankruptcy attorney lawyer chapter 7 chapter 13 fees prices Miami Beach bankruptcy attorney lawyer chapter 7 chapter 13 fees prices Miami Lakes bankruptcy attorney lawyer chapter 7 chapter 13 fees prices Pinecrest bankruptcy attorney lawyer chapter 7 chapter 13 fees prices Fort Lauderdale bankruptcy attorney lawyer chapter 7 chapter 13 fees prices Hollywood bankruptcy attorney lawyer chapter 7 chapter 13 fees prices Pembroke Pines bankruptcy attorney lawyer chapter 7 chapter 13 fees prices Plantation bankruptcy attorney lawyer chapter 7 chapter 13 fees prices Sunrise bankruptcy attorney lawyer chapter 7 chapter 13 fees prices Weston bankruptcy attorney lawyer chapter 7 chapter 13 fees prices Jupiter bankruptcy attorney lawyer chapter 7 chapter 13 fees prices Clewiston bankruptcy attorney lawyer chapter 7 chapter 13 fees prices South Bay bankruptcy attorney lawyer chapter 7 chapter 13 fees prices West Palm Beach bankruptcy attorney lawyer chapter 7 chapter 13 fees prices Key West bankruptcy attorney lawyer chapter 7 chapter 13 fees prices Marathon and Islamorada bankruptcy attorney lawyer chapter 7 chapter 13 fees pricesFind a bankruptcy Lawyers bankruptcy attorney lawyer chapter 7 chapter 13 fees prices Attorneys bankruptcy attorney lawyer chapter 7 chapter 13 fees prices Law Firms and Attorneys bankruptcy attorney lawyer chapter 7 chapter 13 fees prices Attorney bankruptcy attorney lawyer chapter 7 chapter 13 fees prices lawyer bankruptcy attorney lawyer chapter 7 chapter 13 fees prices and law firm directory to find a lawyer bankruptcy attorney lawyer chapter 7 chapter 13 fees prices attorneys bankruptcy attorney lawyer chapter 7 chapter 13 fees prices and local law firms bankruptcy attorney lawyer chapter 7 chapter 13 fees prices attorney bankruptcy attorney lawyer chapter 7 chapter 13 fees prices lawyer bankruptcy attorney lawyer chapter 7 chapter 13 fees prices find a lawyer bankruptcy attorney lawyer chapter 7 chapter 13 fees prices lawyers bankruptcy attorney lawyer chapter 7 chapter 13 fees prices attorneys bankruptcy attorney lawyer chapter 7 chapter 13 fees prices local lawyer bankruptcy attorney lawyer chapter 7 chapter 13 fees prices local attorney bankruptcy attorney lawyer chapter 7 chapter 13 fees prices local law firm bankruptcy attorney lawyer chapter 7 chapter 13 fees prices personal injury lawyer bankruptcy attorney lawyer chapter 7 chapter 13 fees prices lawyer directory bankruptcy attorney lawyer chapter 7 chapter 13 fees prices law firm directory bankruptcy attorney lawyer chapter 7 chapter 13 fees prices immigration attorney bankruptcy attorney lawyer chapter 7 chapter 13 fees prices personal injury attorney bankruptcy attorney lawyer chapter 7 chapter 13 fees prices immigration lawyer bankruptcy attorney lawyer chapter 7 chapter 13 fees prices attorneys bankruptcy attorney lawyer chapter 7 chapter 13 fees prices lawyers bankruptcy attorney lawyer chapter 7 chapter 13 fees prices immigration bankruptcy attorney lawyer chapter 7 chapter 13 fees prices mesothelioma bankruptcy attorney lawyer chapter 7 chapter 13 fees prices personal injury bankruptcy attorney lawyer chapter 7 chapter 13 fees prices divorce bankruptcy attorney lawyer chapter 7 chapter 13 fees prices family law bankruptcy attorney lawyer chapter 7 chapter 13 fees prices real estate bankruptcy attorney lawyer chapter 7 chapter 13 fees prices bankruptcy bankruptcy attorney lawyer chapter 7 chapter 13 fees prices Miami bankruptcy attorney lawyer chapter 7 chapter 13 fees prices Florida bankruptcy attorney lawyer chapter 7 chapter 13 fees prices we serve clients in Aventura bankruptcy attorney lawyer chapter 7 chapter 13 fees prices Coral Gables bankruptcy attorney lawyer chapter 7 chapter 13 fees prices Florida City bankruptcy attorney lawyer chapter 7 chapter 13 fees prices Hialeah bankruptcy attorney lawyer chapter 7 chapter 13 fees prices Homestead bankruptcy attorney lawyer chapter 7 chapter 13 fees prices Key Biscayne bankruptcy attorney lawyer chapter 7 chapter 13 fees prices Miami bankruptcy attorney lawyer chapter 7 chapter 13 fees prices Miami Beach bankruptcy attorney lawyer chapter 7 chapter 13 fees prices North Miami Beach bankruptcy attorney lawyer chapter 7 chapter 13 fees prices Coral Springs bankruptcy attorney lawyer chapter 7 chapter 13 fees prices Deerfield Beach bankruptcy attorney lawyer chapter 7 chapter 13 fees prices Fort Lauderdale bankruptcy attorney lawyer chapter 7 chapter 13 fees prices Hallandale Beach bankruptcy attorney lawyer chapter 7 chapter 13 fees prices Hollywood bankruptcy attorney lawyer chapter 7 chapter 13 fees prices Margate bankruptcy attorney lawyer chapter 7 chapter 13 fees prices Miramar bankruptcy attorney lawyer chapter 7 chapter 13 fees prices Pembroke Pines bankruptcy attorney lawyer chapter 7 chapter 13 fees prices Plantation bankruptcy attorney lawyer chapter 7 chapter 13 fees prices Pompano Beach bankruptcy attorney lawyer chapter 7 chapter 13 fees prices Sunrise bankruptcy attorney lawyer chapter 7 chapter 13 fees prices Tamarac bankruptcy attorney lawyer chapter 7 chapter 13 fees prices Key West bankruptcy attorney lawyer chapter 7 chapter 13 fees prices Marathon bankruptcy attorney lawyer chapter 7 chapter 13

miami fl 33125 miami fl 33126 miami fl 33127 miami fl 33128 miami fl 33129 miami fl 33130 miami fl 33131 miami fl 33132 miami fl 33133 miami fl 33134 miami fl 33135 miami fl 33136 miami fl 33137 miami fl 33138 miami fl 33140 miami fl 33141 miami fl 33142 miami fl 33143 miami fl 33144 miami fl 33122 miami fl 33114 miami fl 33109 miami fl 33122 miami fl 33125 miami fl 33126 miami fl 33127 miami fl 33128 miami fl 33129 miami fl 33130 miami fl 33131 miami fl 33132 miami fl 33133 miami fl 33134 miami fl 33135 miami fl 33136 miami fl 33137 miami fl 33138 miami fl 33140 miami fl 33141 miami fl 33142 miami fl 33143 miami fl 33144 miami fl 33145 miami fl 33146 miami fl 33147 miami fl 33149 miami fl 33150 miami fl 33154 miami fl 33155 miami fl 33156 miami fl 33157 miami fl 33158 miami fl 33160 miami fl 33161 miami fl 33162 miami fl 33165 miami fl 33125 miami fl 33126 miami fl 33127 miami fl 33128 miami fl 33129 miami fl 33130 miami fl 33131 miami fl 33132 miami fl 33133 miami fl 33134 miami fl 33135 miami fl 33136 miami fl 33137 miami fl 33138 miami fl 33140 miami fl 33141 miami fl 33142 miami fl 33143 miami fl 33144 miami fl 33145 miami fl 33146 miami fl 33147 miami fl 33149 miami fl 33150 miami fl 33151 miami fl 33155 miami fl 33156 miami fl 33157 miami fl 33158 miami fl 33165 miami fl 33166 miami fl 33167 miami fl 33168 miami fl 33169 miami fl 33170 miami fl 33172 miami fl 33173 miami fl 33174 miami fl 33175 miami fl 33176 miami fl 33177 miami fl 33178 miami fl 33179 miami fl 33180 miami fl 33181 miami fl 33182 miami fl 33183 miami fl 33184 miami fl 33185 miami fl 33186 miami fl 33187 miami fl 33160 miami fl 33161 miami fl 33162 miami fl 33163 miami fl 33189 miami fl 33190 miami fl 33193 miami fl 33194 miami fl 33196 doral fl 33122 doral fl 33126 doral fl 33166 doral fl 33172 doral fl 33178 doral fl 33182 doral fl 33222 kendall fl 33156 kendall fl 33158 kendall fl 33173 kendall fl 33176 kendall fl 33183 kendall fl 33186 kendall fl 33193 kendall fl 33196 kendall fl 33283 kendall fl 33296 coral gables fl 33133 coral gables fl 33134 coral gables fl 33143 coral gables fl 33144 coral gables fl 33145 coral gables fl 33146 coral gables fl 33156 coral gables fl 33158 coral gables fl 33206 aventura fl 33160 aventura fl 33180 aventura fl 33280



Florida New Homes LLC 20 years of success.
disclaimer


corner
  • go top