Overwhelming debt can affect every aspect of your life, from the stress of satisfying your creditors to trying to make ends meet to afford your daily needs. Intrusive creditors can also make you worry about answering the phone or opening the mail. Our law firm can clarify your bankruptcy options. Our Chapter 13 bankruptcy lawyers in The Villages can help with your case to get a fresh financial start.
When our The Villages bankruptcy lawyers represent you, you do not have to navigate the complex filing process on your own. We can help you compile documentation, clarify the filing process and timeline, and identify exempt versus non-exempt debt. Get a free review of your bankruptcy case and explore your debt relief options so you can start focusing again on what matters in your life. Contact our consultation team at Bogin, Munns & Munns today.
Our The Villages Chapter 13 Bankruptcy Lawyers Advocate for Your Debt Relief
Getting out of debt by seeking bankruptcy protection takes time. It can also be a daunting process to undertake on your own. When our bankruptcy team represents you, we do all of the following to streamline the process as much as possible.
- Establish your eligibility for Chapter 13
- List your creditors and outstanding debt
- Protect your home from possible foreclosure
- Advocate for an acceptable payment plan
- Negotiate with creditors to reduce your debts
- Explore potential non-bankruptcy debt relief
Our The Villages Commercial Law Lawyers know it can be challenging to wait for the debt relief you need, so we also keep you updated as schedules are completed and accepted, and your case moves through the bankruptcy process.
We Make Sure You Understand the Chapter 13 Bankruptcy Do’s and Don’ts
As you move through the bankruptcy process, you should be aware of everything you should do to maximize your financial relief. You should also know the bankruptcy don’ts that could hinder your case.
- Bankruptcy do’s include: Getting legal support and having a frank and open discussion of your finances with your legal team. Provide your lawyer with all financial documentation, including your recent tax filings, to ensure your bankruptcy application is as complete and accurate as possible.
- Bankruptcy don’ts include: Do not add to your debt load, commit to working with a non-attorney bankruptcy preparer, or fail to disclose real estate, vehicles, and other assets. Do not increase your income, negotiate with creditors, or seek Chapter 13 bankruptcy without understanding both its pros and cons.
Bankruptcy protection at Bogin, Munns & Munns includes client education that ensures you understand each step of the journey ahead. We also ensure your case meets all required guidelines as it moves through each phase.
To consult with an experienced chapter 13 bankruptcy lawyer serving The Villages
855-780-9986
Our Bankruptcy Attorneys Clarify all the Parts of Filing Chapter 13 in The Villages
Every bankruptcy Chapter has its advantages, disadvantages, and distinctions. Chapter 13 bankruptcy is a debt reorganization plan designed to meet the needs of individual filers who meet the following criteria:
- Individual earner (sole proprietor or self-employed)
- Your total accumulated debt is less than $2,750,000
- You have a steady and reliable source of income
- You have cosigners you want to protect from your debt
- You have an overdue mortgage and want to keep your home
- You do not want to speak directly to your creditors
We take time to help you create a manageable repayment plan, help you prove your eligibility for Chapter 13, and guide you through the procedure from start to finish.
We Gather all the Required Forms and Schedules
Filing for bankruptcy starts with paperwork. U.S. Courts bankruptcy system requires the following:
- Property schedules
- Bankruptcy exemptions schedules
- Secured claims schedules
- Unsecured claims schedules
- Contracts and unexpired leases
- Codebtor schedules
- Schedule of income
- Schedule of expenses
You do not have to navigate the documentation required for a comprehensive bankruptcy filing. Our The Villages Chapter 13 bankruptcy attorneys are proud to work hard for our clients. Contact our Bogin, Munns & Munns consultation team for your free financial evaluation.
We Attend the Meeting of Creditors With Your Court-Appointed Trustee
Bankruptcy filers in Florida are required to work with a bankruptcy trustee who will evaluate and monitor your claim, look for any fraudulent activity, and preside over the meeting of creditors. At this mandatory meeting, you will:
- Verify your identification
- Be sworn in and placed under oath
- Answer questions from the trustee
- Answer questions from your creditors
The trustee will conclude the meeting by requesting additional information or approving your repayment plan and discharge.
Our The Villages Chapter 13 Bankruptcy Lawyers Will List Your Dischargeable Debts
If you are filing for bankruptcy, your goal is to reduce or eliminate as much debt as possible. At the end of your repayment plan, the remaining balance of the following debts can be discharged:
- Credit card debt
- Medical debt
- Unsecured personal loans
- Unsecured tax debt
- Breach of contract debt
You might also be able to discharge debts like willful and malicious property damage, non-dischargeable tax debt, criminal fines, penalties, forfeitures, and other uncommon debts.
The best way to distinguish your exempt and non-exempt debt is to let our legal team manage it for you. We work hard to provide innovative, comprehensive legal service and support.
Understand the Post-Bankruptcy Experience in The Villages
One reason people eschew bankruptcy is fear of its damaging effect on their credit rating. However, Chapter 13’s impact on your credit is smaller than that of other Chapters.
After your debt is discharged, you can start rebuilding your credit with increased disposable income. You will also experience immense relief from no longer needing to deal with intrusive creditors via the automatic stay and getting the fresh financial start you need.
The Villages Chapter 13 Bankruptcy Lawyer Near Me
855-780-9986
Contact Our Chapter 13 Bankruptcy Team Today
If debt accumulated over time is making your life difficult, we can help you get financial relief. Our The Villages Chapter 13 bankruptcy attorneys will clarify your eligibility to choose this option and the filing process ahead.
Learn more about getting out of debt you cannot reasonably repay. Contact one of our consultation team members at Bogin, Munns & Munns to get started.
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