Eliminating insurmountable debt can give you a fresh start and a new outlook on life. The Kissimmee Chapter 7 bankruptcy lawyers at Bogin, Munns & Munns can help you file for bankruptcy, representing you at each stage of the process. You do not have to deal with daunting forms and schedules on your own. Every team member is committed to open, easy, fast, and confidential communication with our clients.
Our Kissimmee bankruptcy lawyers will guide you through the entire proceedings. We offer a free consultation that lets us learn about your current financial situation and your goals for the future. It is also your opportunity to learn about the benefits of working with our client-focused team. Contact one of our Bogin, Munns & Munns team members today to learn more about your debt relief options.
How Our Bankruptcy Lawyers Help Kissimmee Filers Obtain Debt Elimination
Our Kissimmee commercial law lawyers’ familiarity with Florida’s bankruptcy laws and regulations means we can streamline the filing process for you. First, our free initial consultation can happen over the phone or virtually. Moreover, the court can handle your case virtually.
When you have our client-focused law firm on your side, we manage every step of the process, including the following:
- Examining your current finances in detail
- Documenting your current earnings
- Collecting evidence of your debt load
- Notifying your creditors of your bankruptcy
- Representing you at court appearances
- Describing the benefits of choosing Chapter 7
The sooner we get involved in your case, the more time we can devote to your specific needs and making you and your debt relief a priority. We also clarify each step of the bankruptcy journey.
Bankruptcy Filers are Required to Undergo Credit Counseling
U.S. Courts guidelines make credit counseling mandatory in the individual bankruptcy process. Filers must participate in and complete the following:
- Pre-bankruptcy credit counseling before you file
- Pre-discharge debtor education after you file
Both types of counseling must take place with an approved agency. Once you have earned your certificate, we can use it to prove you meet both qualifiers.
To consult with an experienced chapter 7 lawyer serving Kissimmee
855-780-9986
What You Need to Know About Chapter 7’s Means Test in Kissimmee, FL
The means test allows the court to assess your income and ability to repay any of your current debt. It will establish your annual income and household size and determine your:
- Income from all sources
- Allowable deductions
- Disposable income
The bankruptcy chapter you file under is not entirely up to you. For example, the judge could compel you to file under Chapter 13 bankruptcy if you do not pass the means test.
We Will Assemble the Correct Forms and Petition the Court
Filing for bankruptcy requires a wide array of paperwork. The forms, schedules, and filings needed to file under Chapter 7 can include:
- Voluntary petition
- Debt declaration
- Summary of your assets
- Property schedule
- Exemption schedule
- Creditor schedule
- Contracts schedule
- Income schedule
- Expense schedule
Our team will assemble all the forms required to fit your case’s specific circumstances. We will also file your petition with the court to start the official bankruptcy process.
So, when we say we are on your side from start to finish, we mean it. Find out how our Kissimmee Chapter 7 bankruptcy lawyers will work on your behalf to take the weight of crushing debt off your shoulders. Contact one of our Bogin, Munns & Munns team members for your free bankruptcy review.
The Automatic Stay Gives You Immediate Respite From Persistent Creditors
Creditors employ various methods to secure payment from debtors. Some of these approaches can feel intimidating and intrusive, creating a reluctance to answer your phone or open your mail.
When these methods make daily life stressful, you could greatly benefit from the automatic stay of Chapter 7 bankruptcy, which prevents creditors from:
- Contacting you in any way (e.g., phone, email, or mail)
- Initiating or continuing to pursue you in court
- Initiating a foreclosure against an outstanding mortgage
- Enforcing a lien or attempting to repossess your property
Creditors must honor the automatic stay. If a creditor continues debt collection efforts after you file your bankruptcy petition, we can help you take legal action against them.
Meet With Your Bankruptcy Trustee and Learn More About Your Estate
The bankruptcy court will create an estate for you, managed by a trustee appointed by U.S. Court officials. The estate will own certain assets and decide whether to sell them to satisfy creditors (non-exempt assets) or return them to you (exempt assets).
The trustee will also arrange a meeting of your creditors. We will accompany you to this meeting, where you can expect to be:
- Sworn in and placed under oath
- Asked questions about your filing
- Provided a review of your bankruptcy schedules
The trustees and your creditors will question you about your financial circumstances. In many cases, the trustee will conclude the meeting with a final determination.
Our Bankruptcy Lawyers Describe What to Expect After Bankruptcy in Kissimmee
Once the court discharges your bankruptcy and wipes out your debts, you have the fresh start you need. Then, we will help you understand the post-bankruptcy experience and what to expect.
For example, was a debtor garnishing your wages? You could have more income on subsequent paydays. Additional changes after receiving a full discharge include:
- The impact on your credit score
- The ability to improve your credit
- How to keep your house and car
- When you can qualify for new credit
Kissimmee Chapter 7 Lawyer Near Me
855-780-9986
Find Out How We Help You Navigate Chapter 7 Bankruptcy in Kissimmee
Are you ready to get out from under an excessive amount of debt? If so, we can help you get relief. Our Kissimmee Chapter 7 bankruptcy lawyers will help you eliminate debt and start over with a clean slate that lets you rebuild your financial life.
Learn more about your options for overcoming debt and the benefits of bankruptcy. Contact our Bogin, Munns & Munns consultation team today to get started.
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