Winter Garden 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.
Drowning in Debt? Winter Garden’s Top Bankruptcy Attorney Can Help
Are you feeling overwhelmed by debt in Winter Garden, FL? You’re not alone, and there’s hope. With over a decade of experience, Winter Garden bankruptcy attorney Juan Burgos is committed to guiding you toward a brighter financial future. Let’s explore your options with Chapter 7 and Chapter 13 bankruptcy.
Understanding Bankruptcy: Chapter 7 vs. Chapter 13 in Winter Garden, FL
When it comes to filing for bankruptcy, there are two primary chapters to consider: Chapter 7 and Chapter 13. Both offer distinct advantages, so let’s dive into the differences and benefits of each.
Chapter 7 Bankruptcy:
- Fast & Efficient: Typically takes around 4-6 months to complete.
- Dischargeable Debts: Many types of debt, such as credit card balances and medical bills, can be eliminated.
- Exempt Property: Florida’s generous exemptions allow you to keep much of your property.
Did you know? In 2021, over 34,000 consumers filed for bankruptcy in the Middle District of Florida alone.
Chapter 13 Bankruptcy:
- Repayment Plan: Develop a 3-5 year plan to pay back some or all of your debts.
- Keep Your Property: Unlike Chapter 7, you can keep all your property without selling any assets.
- Stop Foreclosure & Repossession: This can help you catch up on missed payments and renegotiate terms with lenders.
Now that we’ve explored the basics of Chapter 7 and Chapter 13 bankruptcy, let’s dive into some Florida-specific information.
Navigating Florida Bankruptcy Laws & Procedures
As a Winter Garden resident, it’s essential to understand Florida’s unique bankruptcy laws and procedures. Our experienced team at Juan Burgos Law is well-versed in the intricacies of Florida bankruptcy law and can guide you through every step of the process.
Means Test:
The means test is a critical component of Florida’s bankruptcy laws. This test helps determine if you qualify for Chapter 7 or must proceed with Chapter 13. Our team will expertly navigate this complex process to find the best path for your financial situation.
Exemptions:
Florida offers generous exemptions, allowing you to keep more of your property when filing for bankruptcy. Some common exemptions include:
- Homestead exemption (up to $25,000)
- Personal property
- Wages, benefits, and pensions
- Alimony, child support, and public assistance
Top 5 Benefits of Filing for Bankruptcy in Winter Garden, FL
- Immediate Protection: An automatic stay goes into effect, halting creditor harassment and collections.
- Dischargeable Debts: Many types of debt can be eliminated, giving you a fresh financial start.
- Keep Your Property: With careful planning, you may keep most or all of your belongings, regardless of the chapter filed.
- Stop Foreclosure & Repossession: Bankruptcy can provide valuable time to negotiate with lenders and catch up on payments.
- A Better Future: By eliminating debt and rebuilding credit, you’ll improve your overall financial health and well-being.
Why Choose Juan Burgos Law for Your Winter Garden Bankruptcy Case?
- Expertise & Experience: With over 10 years of dedicated practice in Florida bankruptcy law, we know the ins and outs of the legal process.
- Personalized Attention: We believe in treating each client as a unique individual with specific needs and circumstances. You’ll never feel like just another case number.
- Compassion & Empathy: Our team understands the challenges and struggles you’re facing. We provide genuine care, support, and guidance throughout your journey.
“Juan Burgos Law has been an absolute godsend during this difficult time in my life. They truly care about their clients and make you feel at ease knowing they have your best interests at heart.” – Satisfied Client, Winter Garden, FL
Take the First Step Towards a Fresh Start: Contact Winter Garden Bankruptcy Attorney Juan Burgos Today!
Don’t let debt control your life any longer. Take the first step towards financial freedom and contact Winter Garden bankruptcy attorney Juan Burgos for a free, confidential consultation.
Let’s work together to find the best solution for your unique situation and help you get back on track towards a brighter financial future.
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 are the main differences between Chapter 7 and Chapter 13 bankruptcy?
In Chapter 7, your assets are liquidated to pay off creditors, while in Chapter 13, you create a repayment plan to pay back debts over time.
Can I keep my home if I file for Chapter 7 bankruptcy in Florida?
Yes, Florida’s homestead exemption allows homeowners to protect their primary residence from creditors, depending on how much equity they have in the property.
What is the process of filing for Chapter 7 bankruptcy in Florida?
Meet eligibility requirements, complete required forms, attend a credit counseling course, submit your petition to the bankruptcy court, and appoint a trustee to oversee your case.
Can I file for bankruptcy if I have a pending lawsuit?
Yes, you can still file for bankruptcy even if you have a pending lawsuit. In fact, filing for bankruptcy may provide relief in your lawsuit as well. An automatic stay goes into effect once you file for bankruptcy, halting most legal proceedings against you, including lawsuits and debt collection efforts.
Can I use both federal and state exemptions when filing for Chapter 7 bankruptcy in Florida?
Yes, you can choose between using Florida’s exemption laws or those provided by the Bankruptcy Code (11 U.S.C. § 522).
What debts are not dischargeable in a Chapter 7 bankruptcy case?
Tax debts, student loans, child support and alimony payments, and certain government-guaranteed loans.
Please note that this is general information and not specific legal advice. If you’re considering bankruptcy or have questions about your situation, I encourage you to consult with an experienced attorney who can provide personalized guidance based on your unique circumstances.
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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.