Winter Park Chapter 7 Bankruptcy Attorney

Serving Clients in Winter Park and Orlando

Searching for an attorney? At Richard A. Heller, P.A., our legal team has nearly 75 years of combined experience. We take our jobs seriously and are committed to delivering outstanding results and ensuring that our clients are satisfied with their experience with us. As a result of our focus on client satisfaction, we are accredited by the Better Business Bureau (BBB) with an A + Rating, and Attorney Richard A. Heller is BV® Distinguished™ Rated by Martindale-Hubbell®, for our ethical standards and legal ability.

Do you want to become debt-free? If you are currently struggling with crushing debt, you are not alone. All across the country millions of Americans are in financial distress. Whether your financial problems were caused by an unexpected job loss, a divorce, an accident or an illness, or simply tough economic times, we want you to know that help and relief are available with our Winter Park bankruptcy attorney.


To see if Chapter 7 is right for you, set up a free consultation with a bankruptcy lawyer at Richard A. Heller, P.A.
Contact us online or call (407) 501-4052. Se habla Español.

We serve Winter Park and Orlando.


Chapter 7 Basics - What You Need To Know

Chapter 7 is known as the "liquidation bankruptcy" because debtors liquidate their non-exempt assets in order to pay off creditors. However, due to the bankruptcy exemptions, many Chapter 7 cases are no-asset cases and the debtor doesn't have to liquidate anything.

How Do I Qualify For Chapter 7 Bankruptcy?

In order to qualify for Chapter 7, you must first pass the "bankruptcy means test," which will compare your income and household size to the median income of the state. If your income is too high and you don't qualify under Chapter 7, you will need to consider filing Chapter 13 instead.

What Debt Can Chapter 7 Bankruptcy Discharge?

Chapter 7 discharges or "wipes out" certain unsecured debts. Once these debts have been discharged, the creditors are legally prohibited from contacting you and pursuing any type of debt collection activity. You will no longer be responsible for paying any debts that are discharged in your Chapter 7.

The types of debts that can be discharged in Chapter 7 include:

  • Credit card debt
  • Personal loans
  • Certain taxes
  • Medical debt
  • Utility bills etc.

What Types of Debt Cannot Be Discharged in Chapter 7?

While many unsecured debts can be included, the following types of debt cannot be discharged:

  • Government Student Loans
  • Child Support
  • Alimony/Spousal Support
  • Recent Taxes
  • Court Ordered Fines
  • Victim Restitution

Call a Chapter Bankruptcy Lawyer in Winter Park & Orlando (407) 501-4052

If you are considering filing for bankruptcy, your monthly income and the types of debts you carry will determine which Chapter is right for you. If you're worried about how your credit will be affected, the good news is that we can explain how to start rebuilding your credit right away. Believe it or not, with discipline and applying a few credit rebuilding strategies, you can significantly improve your credit score long before the bankruptcy falls off your credit!


Call (407) 501-4052 to arrange a free consultation with a Winter Park bankruptcy lawyer!
We also serve Orlando. Flexible payment plans are available when our representation is retained.

CONTACT RICHARD A. HELLER, P.A. TODAY

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