Winter Park Bankruptcy Lawyers
Take Control of Your Debt!
Richard A. Heller, P.A. Serves Greater Orlando.
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.
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.
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.
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.
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.
Free Case EvaluationsWe 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 PlansWe do our best to accommodate our clients' financial situations by offering flexible payment plans.
Spanish Services AvailableSe habla español! We offer our services in both English and Spanish.
ExperienceWith nearly 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.