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Orlando Bankruptcy Lawyer

Filing for Bankruptcy in Orlando, Florida

When a family or individual gets into an unbearable financial situation and has little hope of paying their bills, bankruptcy can be an option that allows them to get a fresh financial start. Chapter 7 bankruptcy allows the individual or couple to discharge their consumer debt.

Recent changes in bankruptcy laws have resulted in more restrictions on this type of bankruptcy, but most individuals that are unable to pay their debts will still qualify.

Types of Bankruptcy Available in Florida

In order to determine if you meet the criteria for filing Chapter 7, Chapter 11, or Chapter 13 bankruptcy, contact a debt relief attorney from Joseph J. Mancuso, P.A. This form of bankruptcy can give you the opportunity to start over financially and be free of the crushing debt you have accumulated over the years.

If you don't qualify for Chapter 7 due to having too many assets, or you don't want to lose your assets, Chapter 13 is often a good option, particularly for those who don't want to lose their home, as it gives the time and opportunity to work out a solution for the mortgage problem.

Banks are often much more interested in making arrangements that are reasonable when the person is in bankruptcy. This form of bankruptcy is set up for those who are self-employed and making an income, or are an employee of another company and receiving a paycheck. The end result of this form of bankruptcy is the individual has 3-5 years to pay off their back debt. They usually end up paying back a percentage of what was originally owed over time allotted by the bankruptcy court.

Steps to Filing for Bankruptcy

To ensure that your bankruptcy goes through smoothly without delays, follow the steps below and make sure to consult an Orlando bankruptcy lawyer at the Law Offices of Joseph J. Mancuso, PA.

To file for bankruptcy in Florida:

  1. Gather important financial documents related to your income, expenses, and debt.
    1. This includes credit reports, tax returns, pay stubs, bank and credit card statements, etc.
  2. Attend a credit counseling course that is approved by the Department of Justice.
  3. Complete the federal bankruptcy forms.
  4. Pay the filing fee. If you qualify, you may waive the fee. However, you may request a fee installment plan if you don't.
  5. Submit your bankruptcy forms via mail or in-person. Completing this in person ensures that your case is processed quicker. The court clerk is also able to stamp an extra set of bankruptcy forms for your records.

How Our Team Can Help with Your Case

Our legal team has helped countless individuals to get a fresh financial start through bankruptcy and can advise you if this is a good option for you based on your personal financial situation. In many cases, individuals discover that bankruptcy can lead to the relief that they need in these tough economic times. There is no longer a "stigma" in filing for bankruptcy; over a million people filed for bankruptcy in 2009 alone.

It is likely that many of your neighbors and friends have already filed and are enjoying the relief from stress and the constant calls from creditors, It's time for you to find financial relief as well, and our firm is here to help you begin to save and move on with a new financial start.

Do not hesitate to contact an Orlando bankruptcy attorney from our firm to determine whether or not you qualify for filing Chapter 7 or Chapter 13 bankruptcy.

Contact the Law Offices of Joseph J. Mancuso, P.A.

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