Daytona Beach Chapter 7
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Those who've successfully filed for Chapter 7 bankruptcy know that January 1 st isn't the only time a fresh start is possible. When you're in debt, choosing to file for Chapter 7 bankruptcy can deliver unparalleled benefits for your finances and your future. Not only will you be afforded the opportunity to eliminate most debt, you will also be enabled to put an immediate stop to creditor harassment.
While not everyone is privy to these benefits, The Law Office of Jeffrey A. Klein can assess your circumstances and guide you toward the most effective solution. If Chapter 7 bankruptcy is right for you, we are eager to make the filing process as seamless as possible. We have more than a decade of experience as Daytona Beach bankruptcy attorneys and regularly achieve victories for our clients!
Understanding the Chapter 7 Process in Florida
Before filing, you must pass the Chapter 7 means test. If your income is less than the average income for a family in your state, you will pass. If not, you must determine whether you have enough disposable income to repay certain debts. You are then required to fill out the necessary forms and describe your property, your income and monthly expenses, and your debts. Immediately after filing, an automatic stay becomes effective. This automatic stay prevents creditors from harassing you for repayment.
The final step is attending a creditors meeting. This meeting is run by the bankruptcy trustee and serves as a way to review the papers you've submitted and discuss any discrepancies. Under Chapter 7, you typically get to keep the majority of your property. Most debt––including credit card charges, medical bills, and personal loans––is discharged by filing.
Begin Your Journey Toward A Debt Free Future
For many years, people in debt essentially viewed bankruptcy as a taboo subject and something that should only be used as a last resort. We happily tell clients that this is far from the truth! At your consultation, we hope to dispel many myths about bankruptcy and discuss why it might be the very best thing for your finances. There is no better time to get started than today.
Call our Daytona Beach bankruptcy lawyers
today at (386) 530-4203 for legal counsel.