Florida Bankruptcy Advisors, P.L.
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BANKRUPTCY: Our firm represents individuals in both Chapter 7 and Chapter 13 bankruptcy. Depending on your specific facts and objectives, either Chapter 7 or Chapter 13 bankruptcy may be the better choice. Some individuals may also need to file a Chapter 11 bankruptcy if your goal is to restructure and the amount of debt you carry is beyond the Chapter 13 debt limits.
CHAPTER 7 BANKRUPTCY: Chapter 7 is known as “straight” bankruptcy or “liquidation” and is the most popular bankruptcy filed by individual consumers. The process will typically last about 3 months, and in the end all or a majority of your debts will be "discharged" or legally forgiven.
CHAPTER 13 BANKRUPTCY: Chapter 13 is a type of “reorganization” used to restructure certain debts over a period of 3 to 5 years and to repay creditors to the extent of your future disposable income. The Chapter 13 process also typically ends with a "discharge" of debt even if you did not have enough disposable income to pay them in full.
There are many tools available to you in fighting your debt. We utilize all of them in developing a sound legal strategy to craft a sound financial future. Call now for your free consultation. 954-600-8990.
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