Are you struggling with debt that overwhelms your current financial situation in southwest Volusia County? The Orange City Chapter 7 bankruptcy lawyers at Bogin, Munns & Munns can help you explore your debt relief options. If bankruptcy protection will provide the financial relief you need, we can help you navigate its filing process.
Our Orange City bankruptcy lawyers provide innovative and comprehensive legal service that guides you through each phase of the bankruptcy process. When our client-focused team is your advocate, you are never in the fight for financial freedom alone. From your initial consultation to your final bankruptcy discharge, we stand by your side. Reach out to a team member today to get your free bankruptcy review.
Why Choose Our Bankruptcy Lawyers When Filing for Chapter 7 in Orange City
Overwhelming debt can make everyday life—and even the smallest purchases—challenging. Creditors might have also garnished your wages, thereby decreasing your take-home pay. When you declare bankruptcy, our Orange City commercial law lawyers can help you reap its benefits and protections.
Our client-focused legal team will:
- Answer your case-related questions
- Compile a list of your debts and creditors
- File your bankruptcy petition
- Document your current income
- Ensure prompt notification of your creditors
- Seek action if a creditor violates the automatic stay
- Clarify your exempt and non-exempt assets
Our law firm will represent you throughout the process and help you make the most of the post-bankruptcy experience, explaining the importance of making sensible financial decisions.
The Importance of Your Initial Bankruptcy Consultation With Bogin, Munns & Munns
Filing for bankruptcy is a personal decision—but not a decision you need to make alone. It’s a process you don’t have to navigate without legal guidance and support. Our team is on your side right from the start, beginning with a free consultation either over the phone or virtually.
You can expect a judgment-free environment from our lawyers, where there is no need for embarrassment. Bankruptcy often results from medical debt or job loss—things beyond your control. According to U.S. Courts data, the number of bankruptcies filed in the U.S. increased by 16% from 2022 to 2023.
During your consultation with one of our team members, we will listen to your version of events with kindness and compassion. We want to know how you incurred your debt, how it compares to your income, and how it has affected your life. From there, we help you choose the best bankruptcy chapter for you.
To consult with an experienced chapter 7 bankruptcy lawyer serving Orange City
855-780-9986
The Benefits of Choosing Chapter 7 Bankruptcy in Orange City, Florida
Once you seek debt relief via bankruptcy, you must understand your filing options and which best fits your current situation. Our Orange City Chapter 7 bankruptcy lawyers can help you understand its pros and cons. Learn more about your options by contacting a Bogin, Munns & Munns team member today for a free bankruptcy review.
The Unbeatable Benefits of the Automatic Stay
Creditors reaching you via phone, email, text messages, and in writing can quickly become overwhelming and feel intrusive. Chapter 7’s automatic stay puts an immediate stop to any such actions. Creditors cannot contact you in any manner. More importantly, they will face severe consequences if they do.
You Can Keep Your House, Car, and Other Assets
Most Chapter 7 bankruptcy filers do not have non-exempt assets, meaning you can retain possession of your home, car, and other personal items. For example, you can keep most jewelry, pensions, and any tools of the trade necessary for your job, such as gardening equipment if you’re a landscaper. Exempt property also includes personal injury damages, life insurance benefits, and retirement accounts.
Pre- and Post-Filing Credit Counseling
The bankruptcy court will require you to participate in credit counseling before filing for bankruptcy and again once the judge discharges your debt. Our staff can help you identify a qualifying course and document your participation and completion.
Chapter 7 Has No Debt Limitations
Some bankruptcy chapters limit how much debt you can discharge. Chapter 7 imposes no such limitation. How much debt you have is not as important as when you incurred it. We will carefully examine your debt load and help you eliminate as much debt as possible.
Chapter 7 Offers a Rapid Resolution
From start to finish, Chapter 7 can take up to six months, making it a viable, fast-acting solution for long-term, permanent debt elimination when you need it most. Our legal team works hard to keep your bankruptcy case focused, on track, and moving forward.
We Educate You on How Filing for Bankruptcy Affects Your Credit
Having your debts discharged in bankruptcy will damage—but not permanently ruin—your credit. It will cause a temporary reduction in your credit score. Still, you can rebuild your credit over time with responsible credit use and by implementing the tools you received during your post-bankruptcy credit counseling.
Because bankruptcy can free you to retain all your future earnings and income, you will have access to additional disposable income that can help you stay current on your post-bankruptcy financial obligations.
What You Need to Know About the Post-Bankruptcy Buying Experience
After your financial circumstances have stabilized, you can eventually look forward to making the purchases you want. These purchases might include a new home or motor vehicle. Sensible credit use after the court discharges your debt can help boost your credit score and improve your purchasing options.
Orange City Chapter 7 Bankruptcy Lawyer Near Me
855-780-9986
Call Today for Your Free Chapter 7 Bankruptcy Review
If overwhelming debt makes your daily life stressful, our law firm could help you clean your financial slate. When our Orange City Chapter 7 bankruptcy lawyers represent you, we will effectively and efficiently navigate the bankruptcy process from start to finish.
Please find out how much debt we can help you eliminate. Contact our consultation team at Bogin, Munns & Munns today to get started on the road to financial relief.
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