Bankruptcy Legal

Atlantic Beach Bankruptcy Attorneys

Atlantic Beach Bankruptcy Attorneys

Searching for the best Atlantic Beach, FL bankruptcy lawyer? We can help. Hiring the right law firm should be an easy and positive experience.

bankruptcy lawyers in Atlantic Beach

File For Bankruptcy in Atlantic Beach

Filing For Bankruptcy Can Get You Back On Track

Bankruptcy Legal provides individuals with legal counsel that inspires a true sense of hope. If you’re looking for experienced, supportive and personalized legal counsel we’re here to help. Get connected with a bankruptcy attorney in Atlantic Beach, FL who understands the emotional and financial challenges involved in filing for bankruptcy. At Bankruptcy Legal, you can get the answers you need to move forward and the peace of mind that comes with knowing your rights are protected. It’s time to take action, today.

Atlantic Beach bankruptcy lawyers

Bankruptcy Lawyers

Atlantic Beach, FL

Bankruptcy Lawyers

Atlantic Beach, FL

If you are deeply in debt and unable to pay, Bankruptcy Legal will connect you with a top rated Atlantic Beach bankruptcy law firm that is prepared to help you.  Our bankruptcy specialists can assist with a range of services including chapter 7, chapter 13, small business bankruptcy, credit card debt, wage garnishments, medical bills, keeping your vehicle, and IRS tax debt.

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Bankruptcy Services in Atlantic Beach, FL

Filing for bankruptcy is often the best solution for those who are overwhelmed with debt and have exhausted all other options to pay off their bills. Bankruptcy can provide relief by wiping debts clean and helping indebted individuals regain control of their finances. The following is a list of bankruptcy services law firms in Atlantic Beach are experienced and ready to assist you in.

chapter 13 bankruptcy in Atlantic Beach

Chapter 13

Filing for Chapter 13 bankruptcy in Atlantic Beach is an option for people who have a steady income and are looking to escape debt without being required to liquidate assets.  Chapter 13 reorganizes loans into small monthly payments, which allows you the opportunity to regain control over your debts and rebuild credit.

chapter 7 bankruptcy in Atlantic Beach

Chapter 7

Unlike Chapter 13, Chapter 7 bankruptcy cases do involve filing a plan of repayment. Instead, the bankruptcy trustee gathers and sells your nonexempt assets to pay holders of claims according to Bankruptcy Code provisions.

credit card debt in Atlantic Beach

Credit Card Debt

Facing debt from missed payments, a lawsuit from creditors, or debt on multiple credit cards? A bankruptcy filing might be the most appropriate solution. If you need assistance dealing with credit card debt and delinquent payments, a Atlantic Beach bankruptcy lawyer may be able to provide valuable assistance. Hold onto your possessions while eliminating some or all of your high interest.

IRS tax debt in Atlantic Beach

IRS Tax Debt

Filing for bankruptcy may be an option if you owe past-due federal taxes that you cannot pay. Learn about IRS payment plans or an offer in compromise. The Internal Revenue Service understands that filing for bankruptcy may be one method for dealing with personal financial difficulties resulting from a combination of reduced income, increased expenses or serious medical conditions.

small business bankruptcy in Atlantic Beach

SMB Bankruptcy

Filing for bankruptcy may be a good option if your small business in Atlantic Beach has struggled with debt. There are various considerations to keep in mind, depending on the circumstances.

  • Which of the following types of business do you run: sole proprietorship, general partnerships, corporation, or limited liability company?
  • Are you personally liable for any of your business debts?
  • Are you interested in closing your business or would you like to keep it running?
Atlantic Beach medical bills

Medical Bills

Suffering from medical debt? For many, medical bills and the inability to pay them can be a huge burden. We can help. If medical expenses or a family member’s chronic condition cause your debt to spiral out of control, it may be time to file for bankruptcy. Hardworking people with inadequate coverage face this difficult situation, and a surprising number of middle-class Americans don’t have insurance at all. Connect with a bankruptcy specialist in Atlantic Beach to learn about options for eliminating medical debt or getting more time to pay.

keeping your vehicle

Keep Your Vehicle During Bankruptcy in Atlantic Beach

Atlantic Beach auto repossessions are not uncommon. You may be able to keep your vehicle even if you are behind on payments and facing auto repossessions. Contact a bankruptcy lawyer in Atlantic Beach immediately to file an adversary proceeding with the bankruptcy court. It is important to seek legal advice before you contact your creditor or make arrangement to pay the debt since doing so may affect your eligibility for bankruptcy.

wage garnishments in Atlantic Beach

Wage Garnishments

Having your wages garnished means that not only can the creditor take money directly from your wages before you receive them, but your employer will be made aware of your debts. A wage garnishment is a legal order to an employer in Atlantic Beach that requires the them to withhold part of an employee’s wages and pay these directly to another individual or entity. Wage garnishments are usually ordered as a result of unpaid debts, such as child support, personal loans, state or federal taxes and credit card debt. 

Local

We are bankruptcy specialists providing profound legal knowledge and expertise for our clients in Atlantic Beach.

Experienced

Our company has been helping individuals in Atlantic Beach achieve their legal objectives for more than 30 years.

Bankruptcy Specialists

We emphasize quality service, attention to detail and care leading to just resolutions of our clients’ bankruptcy matters.

Businesses We Serve

Here are a few examples of businesses that have benefited from our bankruptcy legal services:

  • Marketing Agencies
  • Atlantic Beach Real Estate Investment Companies
  • Franchises
  • Hotel Owners
  • Healthcare Providers
  • Restaurants
  • Construction Companies
  • Store Manufacturers
  • Technology companies.
  • Retailers
  • and more!

Bankruptcy Benefits

Bankruptcy is a legal process that frees you from the obligation of repaying your debts and dealing with creditors.

Full-Service Bankruptcy Legal Counsel

We understand the challenges individuals face when burdened with debt.  You have options and we’ll show you the way.

Tailored Atlantic Beach Bankruptcy Service

Our core focus is on establishing your best interests when dealing with debt relief.  Every situation is unique.  We’ll help educate you with regards to your options and find the best solution for you

Atlantic Beach Bankruptcy Specialists

6 Step Bankruptcy Process in Atlantic Beach, FL

Once you have made the difficult decision to file for bankruptcy, there are things you will need to do in order to proceed in a positive way. A basic overview of the bankruptcy process, from filing for bankruptcy to rebuilding your credit and moving forward after bankruptcy are discussed below.

call Bankruptcy Legal in Atlantic Beach

1. Call Bankruptcy Legal

Bankruptcy Legal connects you with the best board-certified Atlantic Beach bankruptcy specialists. You’ll be connected with a team that intimately understands what you’re going through and all of your options. While there are many budget-friendly options, make sure you’re comfortable with and get to know your lawyer before getting started. Take the first step towards debt relief today.

bankruptcy counseling in Atlantic Beach

2. Bankruptcy Counseling

There are two mandatory credit counseling sessions that must be completed by a counselor approved by the U.S. Justice Department before you file bankruptcy paperwork with the courts. During the first round (pre-filing counseling) a counselor will discuss your budget and point out the pros and cons of bankruptcy. Counselors will also cover different alternatives so you have a clear understanding of all your options.

court filing Atlantic Beach

3. File For Bankruptcy With The Court

All Atlantic Beach bankruptcy lawyers prepare and file your required paperwork with the court. Filing for bankruptcy requires filling out several legal forms.  In this process, your lawyer will also collect any and all financial related information to complete the bankruptcy petition, Statement of Financial Affairs and Schedules. Once complete, your lawyers will review the required paperwork with you to ensure accuracy.

repayment Atlantic Beach

4. Repayment Or Liquidation

Depending on the type of bankruptcy you file (Chapter 7 or Chapter 13), the next step will either involve liquidating assets to repaying creditors some of your debts. In a Chapter 7 bankruptcy, if you have no assets of large value your case is referred to as a “No Asset Case.” For secured debts like a car or house you will need to continue making regular payments.

debtor education in Atlantic Beach

5. Complete Your Debtor Education

Before receiving a bankruptcy discharge, there are a couple of courses that are typically required. The bankruptcy code calls these requirements a “debtor education program.” In most cases, you may be required to take a course before you file your paperwork and go to a hearing with the bankruptcy court.

debt discharge Atlantic Beach

6. Debt Discharge

The final step in the bankruptcy process, debt discharge is the elimination of a debt as a result of bankruptcy. Once bankruptcy is complete, banks and creditors are no longer allowed to collect the debt. Unless specific IRS conditions are met, this may result in taxable income to the debtor. Be sure to speak with your Atlantic Beach bankruptcy attorney to get a good understanding of your completed file.

Atlantic Beach’s Trusted Bankruptcy Legal Resource

Atlantic Beach’s Trusted Bankruptcy Legal Resource

Our bankruptcy specialists provide legal services in the following Atlantic Beach, FL zip codes: 32233 

Atlantic Beach, FL Bankruptcy FAQ

Frequently asked questions about bankruptcy law.

How much does a bankruptcy lawyer cost in Atlantic Beach, FL?

Most Atlantic Beach bankruptcy lawyers charge a “flat rate”. Chapter 7 bankruptcy attorneys typically charge somewhere between $1,000 to $3,500 depending on the details of the case. Some attorneys will choose to bill by the hour.

Which type of bankruptcy clears all debt?

Chapter 7 bankruptcy discharges qualifying debts after a few months, but you may have to liquidate nonexempt assets. You can file for bankruptcy protection where the “automatic stay” order will stop creditors from pursuing your debt.

What should you not do before filing for bankruptcy?

Lying about your assets, not consulting a lawyer, giving “gifts” or assets to family members, adding further credit card debt and raiding the 401(k) are all common practices that can cause further trouble when filing for bankruptcy in Atlantic Beach.

Who is responsible to send a notice to all the creditors about bankruptcy filing?

The court notifies your creditors after about a week from filing. The notice tells the creditors that you filed for bankruptcy. It also shows them how to get more information about your case and what they need to do.

What is the downside of filing for bankruptcy?

The main downside of filing for bankruptcy is that it can damage your credit history and make it more difficult to get financing in the future. You can also lose assets including your primary residence or other real estate holdings in Atlantic Beach. To learn about all of the pros and cons regarding your specific situation please call us and get connected with an experienced bankruptcy attorney in Atlantic Beach.

Do I need an attorney to file for bankruptcy?

Individuals filing bankruptcy can file without an attorney (pro se), but it is strongly recommended to consult with an attorney for a better understanding of the long-term consequences.

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