Bankruptcy Attorneys in Central Florida

Chapter 7 bankruptcy, also known as “liquidation bankruptcy,” allows individuals to eliminate most unsecured debts and start fresh. It’s ideal for those who are overwhelmed by credit card bills, medical debts, and personal loans. Chapter 7 involves liquidating non-exempt assets to repay creditors, after which remaining eligible debts are discharged.

Chapter 11 bankruptcy allows businesses and individuals with substantial debts to reorganize and restructure their financial obligations under the supervision of the court. Unlike Chapter 7, which focuses on liquidation, Chapter 11 enables companies to remain operational while developing a plan to repay creditors over time.

Chapter 13 bankruptcy is a court-supervised payment plan that allows you to reorganize and repay your debts over 3 to 5 years. It’s designed for individuals who have a steady income but need help catching up on missed mortgage payments or managing unsecured debts. Chapter 13 allows you to keep your assets while making manageable monthly payments.

Debt defense involves protecting individuals from creditor lawsuits, collection agencies, and other legal actions taken to recover unpaid debts. In many cases, creditors may use aggressive or even unlawful tactics to force repayment. Our debt defense attorneys help you challenge these actions by examining the validity of the claims and the tactics used by creditors.