In Chapter 7 Bankruptcy, you may start fresh in your financial life. Everyone should be afforded a second chance in life and Chapter 7 can provide that to you financially. For instance, if you have a mountain of medical bills, lost your job, lost income, or simply made youthful mistakes with your money, Chapter 7 may be able to help you wipe out most if not all of your debts while saving your homestead protected home. However, the law sets forth many rules, so please contact and experienced attorney, such as at the Law Office of Peggy Urbaneja, for a FREE CONSULTATION on what options you may have available.
Chapter 13, is an option for those with an income and assets. For example, if you own a car, expensive jewelry, art, or want to save your home, you may want to file Chapter 13 bankruptcy to work out a 3 to 5 year payment plan, allowing you to save your possessions. Chapter 13 involves many more steps than Chapter 7 and multiple hearings. If you live in Broward or Dade, you should contact an experienced attorney to determine if Bankruptcy is an option for you.
Upon contacting the firm for a FREE 30-minute consultation, a Client Information Package will be provided. Please complete it thoroughly and candidly so the attorney may fully evaluate your bankruptcy options.
The bankruptcy court needs a full report of all sources of income for the last six (6) months. Please provide copies of each and every source including, but not limited to pay stubs, gambling winnings, rental income, online sales, etc.
Bankruptcy court requires all debtors to show proof of filing taxes. If you are not required to file taxes, then you must provide proof that you are exempt from filing.
If you have owned any interest in a business in the last 6 years, please provide the estimated value of your interest in the business and all business asset information from the past six (6) months.
If you own a vehicle, or are making loan payments on a vehicle, please provide the vehicle(s): year, make and model, mileage, color and details as to the engine and vehicle accessories.
This includes all personal and business accounts that you own in whole or in part and/or that lists your name on the account. Additionally, this includes all retirement, investment, money market and savings accounts that you own in whole or in part and/or that lists your name on the account.
Understanding Bankruptcy law can be very challenging. This is especially true as the law continues to change over time. The applicable bankruptcy law and/or local rules have changed recently. Some of the changes can be seen at the link(s) below. Should you have a question on how the changing laws impact your potential bankruptcy filing, please contact the Law Office of Peggy Urbaneja for a FREE CONSULTATION.
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