Chapter 7 Bankruptcy: A Fresh Start for Florida Residents

By Pat Geddie | Leave a Comment

If you’re struggling with debt in Florida and looking for a way to get a fresh start, Chapter 7 bankruptcy may be the solution you need. This type of bankruptcy allows you to discharge most of your unsecured debts, such as credit card balances, medical bills, and personal loans. The process of filing for Chapter 7 bankruptcy can be complex, and it’s important to have the support of an experienced attorney.

At Harnage Law, PLLC, we understand the stress and uncertainty that come with financial difficulties. Our attorneys have years of experience helping Florida residents navigate the bankruptcy process and get the relief they need. Whether you’re facing foreclosure, wage garnishment, or harassing creditor calls, we can help you understand your options and make informed decisions about your financial future.

One of the main benefits of Chapter 7 bankruptcy is the speed with which it can provide relief. Once you file your case, an automatic stay goes into effect, which prohibits creditors from taking any further action against you. This means that wage garnishments, collection calls, and foreclosure proceedings must stop immediately. In most cases, the entire process of obtaining a discharge of your debts can be completed within a few months.

Another advantage of Chapter 7 bankruptcy is that it allows you to keep many of your assets. Florida exemptions protect certain property, such as your home, car, and household goods, from being seized and sold to pay off your debts. Our attorneys will help you understand which exemptions you may be eligible for and how to use them to protect your assets.

While Chapter 7 bankruptcy can provide significant relief, it’s important to understand that it’s not the right solution for everyone. Depending on your income, assets, and other factors, you may be required to repay some of your debts through a Chapter 13 bankruptcy plan. Our attorneys will thoroughly evaluate your financial situation and help you determine which type of bankruptcy is best for you.

If you’re facing financial difficulties in Florida, don’t wait to seek help. Contact Harnage Law, PLLC today to schedule a consultation with one of our experienced Chapter 7 bankruptcy attorneys. We’ll help you understand your options, answer your questions, and guide you through the process of obtaining a fresh start.