Conway Bankruptcy Attorney
Juan Burgos, Esq.
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Fighting For Your Rights
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More than a decade of expertise in Auto Accidents and Bankruptcy Law
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Results may vary depending on your specific facts and legal circumstances.
Get a Fresh Start with Our Experienced Conway FL Bankruptcy Lawyer – Juan Burgos
Are you overwhelmed by debt and feeling like there’s no way out? You’re not alone. Many Conway, FL residents find themselves in similar situations. But there is hope – bankruptcy might be the solution you’ve been searching for. As a dedicated Conway FL bankruptcy attorney, Juan Burgos has helped countless individuals just like you get back on track financially and regain control of their lives.
Understanding Bankruptcy: Chapter 7 vs. Chapter 13
The first step in overcoming your debt challenges is understanding the different types of bankruptcy. In Florida, two popular options are Chapter 7 and Chapter 13. Let’s dive into each one:
Chapter 7 Bankruptcy: A Fresh Start
- Purpose: Liquidation of non-exempt assets to pay off debts.
- Benefits:
- Quick process (usually 4-6 months).
- Most unsecured debts are discharged (eliminated), such as credit card debt, medical bills, and personal loans.
- Allows you to keep certain exempt property, like your home, car, and personal belongings.
- Requirements:
- Pass the means test – compare your income to Florida’s median income.
- Attend a mandatory credit counseling course.
Chapter 7 is designed for debtors in financial difficulty who do not have the ability to pay their existing debts.
Chapter 13 Bankruptcy: Reorganize Your Debts
- Purpose: Develop a repayment plan to pay off some or all of your debts over time.
- Benefits:
- Keeps creditors at bay while you repay debt according to the court-approved plan.
- Allows you to catch up on missed payments, such as mortgage or car loan installments.
- Some debts may be discharged upon completion of the repayment plan (usually 3-5 years).
- Requirements:
- Regular income to fund the repayment plan.
- Complete a certified credit counseling course.
Chapter 13 allows individuals to keep their property by repaying creditors through a repayment plan.
Florida Bankruptcy Laws and Procedures
The Sunshine State has its unique bankruptcy laws and procedures. Here’s what you need to know:
- Exemptions: Florida allows debtors to keep more property than the federal exemptions, including a homestead exemption for unlimited equity in your primary residence.
- Means Test: Florida uses its own median income figures to determine if you pass the means test for Chapter 7 bankruptcy.
- Credit Counseling: You must complete a certified credit counseling course within 180 days before filing for bankruptcy.
Benefits of Filing Bankruptcy in Conway, FL
- Immediate Relief: An automatic stay goes into effect once you file for bankruptcy, halting most collection activities and lawsuits.
- Debt Elimination: Many unsecured debts can be discharged, giving you a fresh start.
- Keep Your Property: Depending on the bankruptcy chapter and Florida’s exemptions, you may keep most or all of your assets.
- Stop Foreclosure & Repossessions: Bankruptcy can provide temporary relief from foreclosure and repossession proceedings, giving you time to catch up on payments.
Why Choose Juan Burgos for Your Conway FL Bankruptcy Case?
- Experience: With years of dedicated practice in bankruptcy law, Attorney Juan Burgos knows the ins and outs of Florida’s bankruptcy system.
- Expertise: Focusing solely on bankruptcy law allows our firm to provide specialized representation tailored to your unique financial situation.
- Client-Centered Approach: We understand that each client has different needs and goals. That’s why we take the time to listen and create personalized solutions for every case.
Take Control of Your Finances Today!
Don’t let debt control your life any longer. Take the first step towards financial freedom by contacting our Conway FL bankruptcy attorney, Juan Burgos, today! Our initial consultation is free and confidential.
Call us now at (123) 456-7890 or fill out our online form to schedule your appointment. Let’s start rebuilding your future together!
His strategy was outstanding—he carefully reviewed my case, prepared all the documents with precision, and represented me with great dedication. Thanks to his hard work, my case was resolved successfully. The outcome not only gave me financial relief but also peace of mind.
I highly recommend this attorney to anyone going through bankruptcy. He not only won my case but also gave me confidence and reassurance throughout the entire process. I am truly grateful.
Ana Lidia Celorrio Moro .
Juan was always available to answer my calls and never made me feel like a burden. Whenever I had questions or didn’t fully understand something, he patiently explained it in a way that made me feel informed and confident. He is not only an incredible lawyer but also a genuinely kind and friendly person who truly has his clients’ best interests at heart.
What stood out the most to me was how smoothly the entire process went—something I never expected after such a stressful accident. Thanks to Juan’s dedication and expertise, I was able to focus on healing while he handled the hard work behind the scenes.
I highly recommend Attorney Juan Burgos to anyone in need of a lawyer who truly cares, communicates clearly, and fights for the best outcome possible. He turned what could have been an overwhelming process into a positive experience, and I am so grateful for everything he did for me.
100 por ciento recomendado
Fue muy claro y es muy serio con respecto a los resultados que tuvo mi caso . Por lo tanto lo recomiendo ampliamente.
I had an excellent experience with Juan Buenos Law Office during my bankruptcy process. From the beginning, they treated me with professionalism, respect, and clarity. The attorney explained every step patiently and gave me peace of mind during a very difficult time. He was always available to answer my questions, and I felt supported throughout the entire process. I 100% recommend this law firm to anyone who needs legal help with honesty and dedication.
Personal Bankruptcy
Florida residents can seek personal bankruptcy to cancel their debts and get a second chance. Our team of specialized property law attorneys will guide you through the process and help you determine if bankruptcy is right for you.
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Business Bankruptcy
Business Bankruptcy In Florida, businesses can also file for business bankruptcy (Chapter 11) to reorganize their finances and pay part or all of their debt. Our team of specialized property law attorneys will guide you through the process and help you determine if bankruptcy is right for your business.
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Frequently Asked Questions (FAQs)
What is the difference between Chapter 7 and Chapter 13 bankruptcy?
Chapter 7 bankruptcy, also known as liquidation bankruptcy, allows individuals to discharge most of their unsecured debts by selling non-exempt property (if any) to repay creditors. It typically takes 4-6 months to complete. On the other hand, Chapter 13 bankruptcy involves creating a repayment plan lasting 3-5 years to pay off some or all of your debts. During this time, you can catch up on missed payments and may be able to keep more property.
How does the means test work in Florida?
The means test determines whether you qualify for Chapter 7 bankruptcy by comparing your income to Florida’s median income levels. If your income is below the median, you pass the means test. If it’s above, you must demonstrate that you cannot repay at least a portion of your debts within a 5-year period (Chapter 13).
What property can I keep in bankruptcy under Florida law?
Florida has its own exemptions that allow debtors to protect more property than federal exemptions. These include a homestead exemption for unlimited equity in your primary residence, along with exemptions for personal property like vehicles, clothing, and certain household goods (Fla. Stat. § 222.01 et seq.).
Can bankruptcy stop foreclosure or repossession?
Yes, when you file for bankruptcy, an automatic stay goes into effect, halting most collection activities, including foreclosure and repossession proceedings (11 U.S.C. § 362). This gives you time to catch up on payments or explore other options to keep your property.
What debts cannot be discharged in bankruptcy?
Some debts are non-dischargeable, meaning they cannot be eliminated through bankruptcy. These include child support and alimony, most student loans, certain taxes, personal injury caused by drunk driving, and debts incurred through fraud or embezzlement (11 U.S.C. § 523).
How long does bankruptcy stay on my credit report?
Bankruptcy can remain on your credit report for up to 10 years for Chapter 7 and 7 years for Chapter 13 (15 U.S.C. § 1681c). However, the impact on your credit score will diminish over time, and many people are able to rebuild their credit within a few years after filing for bankruptcy.
Please note that these answers are general explanations and not tailored to your individual circumstances. For personalized advice, it’s best to consult with a qualified bankruptcy attorney in Florida who can assess your unique situation and provide guidance based on applicable laws and regulations.
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How Bankruptcy Works in Florida
Regain Control of Your Finances with Ease
Results may vary depending on the specific circumstances of each case.
Step #1
Submit Your Case
With a free financial situation evaluation, we can start helping you regain control of your life.
Step #2
We Get Started
Our team begins to investigate and evaluate your financial situation.
Step #3
We Fight for Your Rights
Bankruptcy is a right in the United States. With our help, we present your case to the bankruptcy court.
Practice Areas
At our firm, we are dedicated to fighting for your rights and ensuring you receive fair compensation. Our areas of expertise include personal injury law, including auto accidents, motorcycle accidents, and trucking accidents, as well as personal and business bankruptcy cases.