Casselberry Bankruptcy Attorney
Juan Burgos, Esq.
Fighting for Your Rights!
Fighting For Your Rights
To ensure you receive what’s owed to you
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.
Facing Financial Hardship in Casselberry? Juan Burgos Can Help
Feeling overwhelmed by debt? Are bills piling up, creditors calling relentlessly, and a fresh start seeming impossible? You’re not alone. Many residents of Casselberry and Seminole County are struggling with financial difficulties. The good news is there’s hope. Bankruptcy can offer a legitimate pathway to debt relief and a chance to rebuild your financial future. At the Law Offices of Juan Burgos, we understand the stress and uncertainty you’re facing. We’re dedicated to providing compassionate, experienced legal guidance to help you navigate the bankruptcy process with confidence. Let us explore how we can provide the debt relief you deserve.
Understanding Your Options: Debt Relief Pathways
The bankruptcy system offers several options, but the two most common are Chapter 7 and Chapter 13. Understanding the differences is crucial to determining which path is right for you. It’s not a one-size-fits-all solution. The best choice depends on your individual circumstances, income, assets, and debts.
Straightforward Liquidation: Chapter 7 Bankruptcy
Chapter 7 is often referred to as “liquidation bankruptcy.” It’s a faster process than Chapter 13, typically taking 3-6 months from filing to discharge. In Chapter 7, some non-exempt assets may be sold to pay creditors. However, Florida has generous exemption laws. Many people filing Chapter 7 in Casselberry and surrounding areas can protect their homes, vehicles, and personal belongings. According to the United States Courts, in 2022, 55% of bankruptcy cases filed nationwide were Chapter 7 cases.
Eligibility: To qualify for Chapter 7, your income must be below the state median income for your household size. Juan Burgos and his team will assess your income to determine if you meet the criteria.
Structured Repayment: Chapter 13 Bankruptcy
Chapter 13 is a “reorganization” bankruptcy. It allows you to create a repayment plan over 3 to 5 years to pay off all or a portion of your debts. Unlike Chapter 7, you generally keep your assets. This option is suitable if you have a regular income and can afford to make monthly payments. It’s a great way to catch up on mortgage arrears or vehicle repossession and keep your property. The Florida Bar Association provides valuable resources for understanding bankruptcy options in the state.
Key Benefits of Chapter 13: Avoid foreclosure, catch up on vehicle payments, and potentially reduce debt amounts.
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.
Florida-Specific Bankruptcy Considerations
Florida has unique aspects to its bankruptcy laws. Exemption laws are particularly important. Florida’s homestead exemption, for example, allows you to protect a significant portion of the equity in your home. The amount you can protect depends on several factors, including the size of your property and how long you’ve lived there. Understanding these exemptions is crucial to protecting your assets during the bankruptcy process. Our firm is well-versed in Florida’s specific laws and procedures.
Important Note: Filing for bankruptcy in Florida involves specific requirements regarding credit counseling and financial management courses. Juan Burgos will guide you through these requirements, ensuring a smooth and compliant process.
The Benefits of Filing for Bankruptcy
- Debt Discharge: Eliminate many types of debt, including credit card debt, medical bills, and personal loans.
- Automatic Stay: Immediately stops creditor actions, including lawsuits, wage garnishments, and foreclosures.
- Fresh Start: Provides an opportunity to rebuild your credit and regain financial stability.
- Protection of Assets: Florida’s generous exemption laws protect essential assets like your home and vehicle.
- Reduced Financial Stress: Eliminate the constant pressure of overwhelming debt.
Why Choose the Law Offices of Juan Burgos for Your Casselberry Bankruptcy Case?
At the Law Offices of Juan Burgos, we’re not just bankruptcy attorneys; we’re your advocates. We understand the emotional and financial toll debt can take on individuals and families. We’re committed to providing personalized legal guidance and compassionate support throughout the entire bankruptcy process.
- Experienced Casselberry Bankruptcy Attorney: Juan Burgos has years of experience helping residents of Casselberry and Seminole County navigate the bankruptcy system.
- Personalized Service: We take the time to understand your unique situation and develop a tailored legal strategy.
- Clear Communication: We explain the bankruptcy process in plain language and keep you informed every step of the way.
- Affordable Legal Representation: We offer competitive rates and payment options to make bankruptcy accessible.
Schedule a Free Consultation Today
Don’t let debt control your life any longer. The Law Offices of Juan Burgos are here to help you regain control of your finances and build a brighter future. Call us today at [Phone Number] or fill out the contact form on our website to schedule a free consultation. Let’s discuss your options and explore how we can provide the debt relief you deserve. Serving Casselberry, Seminole County, and Central Florida.
Disclaimer: This information is for general guidance only and does not constitute legal advice. You should consult with an attorney to discuss your specific situation.
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 key differences between Chapter 7 and Chapter 13 bankruptcy?
Chapter 7 focuses on discharging debts and eliminating liens on properties, whereas Chapter 13 involves creating a repayment plan to pay off debts over time.
Which chapter is more beneficial for individuals with limited income or assets?
Chapter 7 might be more suitable for those with limited income or assets as it offers quick resolution (typically 3-6 months) and the ability to discharge debts and start fresh.
Can you keep your home and vehicle if you file for bankruptcy in Florida?
Based on the provided context, it appears that Florida’s exemption laws should protect a significant amount of equity in both properties. However, specifics depend on individual circumstances, such as the value of property, any outstanding loans or liens, and other factors.
What is the automatic stay in bankruptcy, and how does it impact creditors?
The automatic stay halts certain creditor actions against debtors who file for bankruptcy. Upon filing, most creditors cannot take further action to collect debts or pursue other remedies until the bankruptcy court lifts the stay.
Please note that this information is general in nature and should not be considered as legal advice. If you have specific questions or concerns about your individual situation, consult with a qualified attorney who specializes in bankruptcy law.
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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.