Florida Bankruptcy Attorneys
The bankruptcy laws have changed. Filing bankruptcy in Florida is more complex than ever. You need an experienced bankruptcy attorney to guide you through the steps. Bankruptcy laws are in place to provide qualified individuals with a fresh start. Bankruptcy isn’t for everyone, but it may stop garnishments and foreclosures, and give you an avenue to discharge your debts and start over. At Richard A. Heller, P.A., a substantial part of our practice is bankruptcy. Our clients come to us from throughout Central Florida, including, Orlando, Lakeland, Kissimmee, Sanford, Daytona, Tavares, and Melbourne. As bankruptcy attorneys, we have seen clients who have lost their jobs, had hours cut, incurred huge medical expenses, been divorced and simply made the mistake of over-purchasing. Regardless of the how many creditors you have, or the circumstances that prevents you from being able to pay everyone, we can help. Contact Richard A.Heller. P.A. for an experienced bankruptcy attorney today, and find out how we may be able to help you get you finances back in order.
Orlando Chapter 7 Bankruptcy Lawyers
Chapter 7 bankruptcy is a liquidation proceeding. The debtor turns over all non-exempt property to a bankruptcy trustee who then distributes it to the creditors in exchange for discharging all dischargeable debts. In many cases, most, if not all of the debtor’s assets are exempt. In addition, most proceedings to obtain a discharge are relatively fast, usually 4-6 months. New bankruptcy laws (effective October 17, 2005), create additional requirements on debtors and the debtor’s attorney, including that debts and assets be verified. You should hire an experienced bankruptcy attorney if you are contemplating bankruptcy. We help individuals and insolvent businesses file for Chapter 7 bankruptcies. Contact us today for a free initial consultation, to determine if you are a candidate for a Chapter 7 bankruptcy.
Central Florida Chapter 13 Bankruptcy Law Firm
Chapter 13 Bankruptcy is a debt reorganization bankruptcy. Chapter 13 bankruptcy is filed by individuals who want to pay off all or a portion of their debts, often significantly reduced, over a period of three to five years. This type of bankruptcy is appropriate for individuals who want to save their house from foreclosure, or have non-exempt assets that they want to keep. The new bankruptcy laws' goal will require all persons filing bankruptcy who are able to pay part of their debt to file a Chapter 13 bankruptcy. In short, it will make it more difficult to discharge your debt under a Chapter 7, if a person is capable of making Chapter 13 payments. To discuss your situation, and find out which bankruptcy is right for you, contact Richard A. Heller, P.A., experienced bankruptcy lawyers, for a free initial consultation, and put a knowledgeable bankruptcy attorney in your corner.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
“Helping clients since 1991”
Richard A. Heller, P.A.
2507 Edgewater Drive
Orlando, FL 32804-4405
Phone: (407) 649-7700
Fax: (407) 649-8158
E-Mail