Exceptional Legal Counsel

Winter Park Bankruptcy Lawyers

Serving Greater Orlando. 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 our reputation as a trustworthy firm. With a standing reinforced by an A+ accreditation from the Better Business Bureau, a top Superb Rating from AVVO, and a Distinguished Rating by Martindale-Hubbell® we are more than ready to answer your questions.

Call (407) 501-4052 or contact us online for a free consultation with a Winter Park bankruptcy attorney. We proudly serve all of Greater Orlando.

Providing Relief from Overwhelming Debt

Bankruptcy is a common means of resolving financial difficulties. 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 may help you protect most or all of your assets — even your vehicle—as you recover from debt. We can assess your situation and determine which of your assets would be exempt in bankruptcy.

How Much Does It Cost To File Bankruptcy?

Filing for bankruptcy is a significant decision that can help you achieve a fresh financial start. If you're considering bankruptcy, it's important to understand the associated costs and financial obligations.

The costs can vary depending on factors such as the type of bankruptcy you're filing, the complexity of your case, and the attorney you choose to work with. Here are some of the costs that are associated with filing for bankruptcy:

Filing Fee: There is a filing fee charged by the bankruptcy court. As of 2024, the filing fee for Chapter 7 bankruptcy is $338, and for Chapter 13 bankruptcy, it's $313. These fees are subject to change, so it's important to check the latest fee schedule.
Credit Counseling and Debtor Education Courses: Before filing for bankruptcy, you are required to complete credit counseling and debtor education courses. These courses are typically provided by approved agencies and have associated fees. The fees for these courses can vary but are generally $50 to $100 for each course.
Bankruptcy Attorney Fees: Hiring an attorney is highly recommended to navigate the complex bankruptcy process effectively. The attorney fees will depend on various factors, including the complexity of your case and the experience of the attorney. It's important to discuss the attorney's fees and payment structure during the initial consultation.

Considering Filing For Bankruptcy?

At Richard A. Heller, P.A., we offer a free consultation to discuss your financial circumstances, assess your options, and provide personalized advice. We understand the financial challenges you may be facing, which is why we offer flexible payment plans to accommodate your needs. Our dedicated team has over 60 years of combined experience helping clients navigate the bankruptcy process. We are committed to providing high-quality legal representation, personalized attention, and compassionate guidance throughout your bankruptcy journey.

We are here to support you in achieving a fresh financial start. Contact us online or call (407) 501-4052 to schedule a free consultation. Se habla Español.

Trust a Law Firm with Over 60 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 Greater 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 a Winter Park bankruptcy lawyer at (407) 501-4052 or contact us online for a free consultation!

"Estate Planning"
I recently used Attorney Richard Heller’s services for my Estate Planning and I must say this is the first time a lawyer exceeded my expectations! He and his amazing staff were always professional and accommodating. Any questions I had were answered in a timely manner and I never felt rushed or ignored. He explained everything in detail to be to be sure I understood my options. I would definitely recommend Attorrney Richard Heller for any of your legal needs. Also, there is ample parking at his office in Winter Park which is always a plus!

- Linda P
"Very Grateful"
Mr. Heller and his staff were extremely professional and helpful. I am a repeat client and have been satisfied with their performance both times. They have always answered all my questions and have been very courteous and professional. I would highly recommend Mr. Heller and his staff to anyone.

- Richard
"Truly wonderful experience"
Mister Heller and his staff from the first consolation made us feel at ease. They made sure we understood our options so there would be no surprises in court. We couldn't Thank them enough for the help and piece of mind. I would highly recommend there law firm you will not be disappointed. Thank you Charles and Peggy

- Charles Cain
"Amazing!!"
Mr. Heller and his staff were professional, courteous and very pleasant to work with. I never felt rushed or that I was bothering them or wasting their time. Mr. Heller walked us through the entire process, kept us up to day with any changes or just to "check in" with us. I was very prepared due to the hard work of Mr. Heller and his staff. Thank you to everyone at Heller Law. (Mr. Heller helped us in 2018 but I forgot to give a rating and for that I am very sorry....You all were/are so amazing....)

- Roseanne Hunt
"Very professional and courteous"
Mr. Heller and his staff prepared our estate paper work with the utmost professionalism and expediency. Everyone at the office was extremely friendly and outgoing. Mr. Heller answered all of our questions honestly and was patient and helpful throughout the entire process. We highly recommend his services.

- H Corn
"No Surprises!"
Mr. Heller was a joy to work with. His professionalism and kindness were always present from the first meeting to the last. It was obvious at the Meeting of Creditors that the Bankruptcy Trustee greatly respected and admired Mr. Heller. As a result of this, and also because of his meticulous and thorough preparation, the Meeting was over in about two minutes. The case before ours took about 1/2 hour, as the Trustee had many questions and concerns. I highly recommend Mr. Heller to represent you for your legal matters.

- Blanca Creel
"This company provided excellent service."
Mr. Heller and his office handled all our estate needs in a very professional manner. He answered all our questions in language that we could understand. Also made suggestions for consideration. Thank you to Mr. Heller and staff for excellent service!

- Harold and Ann McIntosh
"Appreciate all the work and prompt response each and every time"
Extremely pleased with all the hard work, accurate legal advice and quick response to all questions and concerns. John Wallace had my best interest in mind at all times especially when I didn't know better. I received a fair and timely settlement. Thanks Wallace! His staff was always helpful and responsive.

- Mildred Ruiz

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Your Home and Filing for 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 while making payments on debt. For others, it may be better to walk away from house and debt with a short sale or deed in lieu of foreclosure.

Additionally, our Winter Park bankruptcy 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.

Related Blog: What is Lien Stripping and How Can It Help Me?

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 practices.

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, professional bankruptcy attorney in Orlando about your case, the sooner you can work toward relief from aggressive collection.

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What You Can Expect

Free Case Evaluations
We offer free case evaluations to all prospective clients! Reach out to us today to schedule some time to speak with a seasoned attorney.
Flexible Payment Plans
We do our best to accommodate our clients' financial situations by offering flexible payment plans.
Spanish Services Available
Se habla español! We offer our services in both English and Spanish.
Experience
With over 60 years of combined experience, our team of attorneys has the knowledge to handle your estate planning, family law, or elder law matters with efficiency and skill.