Orlando Bankruptcy Lawyer
Ready to take control of your debt?
In today's difficult economy and dry job market, millions of Americans
are struggling to pay off their debt. For many people, bankruptcy is a
viable option that allows them to work toward a financial "blank
slate." Whether you are facing credit card debt, medical bills, mortgage
payments, school loans or a combination of debts, our firm can help you
get back on your feet and get on the road to financial freedom.
At Richard A. Heller, P.A., our mission is to provide clients with the
legal counsel they need at a difficult time. Our experience spans thousands
of cases, leading to reputation our as a trustworthy firm. With a standing
reinforced by an A+ accreditation from the Better Business Bureau, we
are more than ready to answer your questions about bankruptcy. Contact
us today to schedule a
free consultation with an Orlando bankruptcy attorney.
Bankruptcy: Providing Relief from Overwhelming Debt
Bankruptcy is a common means of resolving financial difficulty. Every year,
more than one million Americans use bankruptcy to recover from intense
hardship and work toward a better financial situation. This federal debt
relief solution can put an immediate stop to collection efforts, including
severe wage garnishment and frozen bank accounts.
Our firm can help you with any of the following:
Contrary to popular belief, you do not have to forfeit all of your assets
in order to file for bankruptcy. Instead, a Chapter 7 bankruptcy can help
you protect most or all of your assets — even your vehicle—as
you recovers from debt. We can assess your situation and determine which
of your assets would be exempt in bankruptcy.
Your Home and Bankruptcy
Your house is one of the most important aspects to consider as you face
bankruptcy. If you are receiving foreclosure threats or notices, now is
the time to consider your legal options. For those with sufficient income,
a Chapter 13 bankruptcy may be a viable option for preventing foreclosure
as they begin making payments on their debt. For others, it may be better
to walk away from house and debt with a short sale or deed in lieu of
Additionally, our Orlando debt relief lawyers have been able to help a
number of clients remove the liens on their homes. As you consider your
lien, bear in mind that this is a separate process from discharging the
debt associated with the lien. A lien is not a loan; rather, it is your
creditor's right to claim possession of your debt collateral—such
as a home tied to a mortgage loan—in the event that you default
on the loan.
Protecting You from Unfair Collection Practices
Our attorneys are committed to protecting clients' rights under The
Fair Debt Collection Practices Act (FDCPA). This federal law requires
creditors and debt collection agencies to treat consumers with respect
and decency. The FDCPA was designed to end harassment and other distressing
conduct often applied by creditors.
The FDCPA limits creditors in the following areas:
- What creditors can say
- When they can contact you
- Which of your acquaintances they can call
It is the responsibility of collection agencies to follow these rules exactly
or face potential consequences. If your creditor has violated your FDCPA
rights, you could be entitled to financial compensation. Get in touch
with our firm to discuss your options in the face of aggravating collection
Our firm can also help you gain relief from wage garnishment. If you are
already facing financial difficulty, this form of debt collection can
be catastrophic, resulting in the inability to pay other bills. The sooner
you are able to speak to a trusted legal professional about your case,
the sooner you can work toward relief from aggressive collection.
Trust a Law Firm with 75 Years of Combined Experience
Across the state of Florida, mortgage modification companies make big claims,
promising lower interest rates and payments. In spite of these claims,
such companies do not have the legal muscle necessary to provide the aid
you need, including foreclosure defense. These companies are further limited
by various laws. When you work with our firm, you will receive counsel
from a true legal professional who can negotiate on your behalf and to
defend you when it counts.
Ready to work with a bankruptcy attorney in Orlando? If you are unsure
of how you will make ends meet, contact Richard A. Heller, P.A. Our firm
can apply our extensive experience to help you find a workable solution
to the challenges you are facing. With free consultations and a contingency-fee
basis, you can contact our firm without risk or obligation.
Call our Orlando bankruptcy attorneys today to set up your free case evaluation!