Benefits of Chapter 7 & 13 Bankruptcy by Orange Park Lawyers

Choose Our Bankruptcy Lawyer in Orange Park, FL

Also Serving Middleburg, Fleming Island, Jacksonville, Green Cove Springs, and Surrounding Areas

 Having large amounts of debt can be overwhelming, especially if you have received constant creditor calls or had creditors move against you to garnish your wages, repossess your cars, or foreclose on your home. However, you don’t have to suffer anymore. With the help of a bankruptcy lawyer from Henry & Henry Law Firm, you can get back on your feet and have the fresh financial start you deserve. 

Why Choose Bankruptcy?

 When people consider debt relief options, they might not automatically think of bankruptcy. However, bankruptcy is a great option if you want to stop any legal actions against you or discharge unsecured debts you simply can’t afford to pay. Bankruptcy enables you to reevaluate your financial situation with the help of an expert bankruptcy lawyer. 

What Bankruptcy Options Do I Have?

Most homeowners opt for one of two bankruptcy options: Chapter 7 or Chapter 13. Henry & Henry Law Firm helps you decide which bankruptcy option works best for your situation.

Chapter 7 Bankruptcy

A Chapter 7 bankruptcy allows you to discharge many unsecured debts, such as credit cards, payday loans, and medical bills. Additionally, creditors no longer can harass you or threaten legal action against you. That means you don’t have any pending foreclosures, repossessions, wage garnishments, or lawsuits hanging over your head.

Most of your belongings are exempt from bankruptcy. Please note that the court might rule some items such as artwork, second homes, or jewelry as non-exempt, which creditors can possess to help pay off debt.

Chapter 13 Bankruptcy

A Chapter 13 bankruptcy allows you to restructure your debts through a repayment plan, often over the course of three to five years. This bankruptcy option stops creditors from harassing you and allows you to repay debt through manageable means.

Whether you choose Chapter 7 or Chapter 13, Henry & Henry Law Firm is here to help.

What Do I Do Next?

 If you’re ready to restart your financial future, speak to a Chapter 13 or Chapter 7 bankruptcy lawyer from Henry & Henry Law Firm. We serve the Middleburg, Fleming Island, Jacksonville, Green Cove Springs, and Orange Park, FL, areas. Reach us at (904) 264-6776. 

Ready to get started with the Bankruptcy forms?

Our 1-2-3 step process:  

Fill out the forms below and bring them with you to the initial consultation

 along with your photo identification and proof of social security number.

Questions?  Give us a call.

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Q: What counties are included in the Jacksonville Division of the Federal Bankruptcy Court?

Baker, Bradford, Clay, Columbia, Duval, Flagler, Hamilton, Nassau, Putnam, St. Johns, Suwannee, Union 

Q: In bankruptcy, is a reaffirmation agreement required to keep my house or car?

“Reaffirmation” of a debt in bankruptcy is a complicated issue. Generally, we do not recommend signing a formal reaffirmation agreement/contract with a lender, because it is counterproductive to the goal of eliminating debt in bankruptcy. Additionally , reaffirmation is generally not a requirement to keep your vehicle, home, or other secured property, as long as all future payments are made on or before the due date. To find out more about filing bankruptcy and keeping your secured assets, call Todd Henry Law and talk to an experienced bankruptcy attorney who has been helping clients like you for over 20 years in the Jacksonville area.

Bankruptcy Basics: A Video Series

Bankruptcy Basics
Part 1: Introduction to Bankruptcy Bankruptcy Lawyer in Fleming Island Bankruptcy Lawyer in Orange Park

Bankruptcy Basics
Part 2: Types of Bankruptcy Bankruptcy Lawyer in Orange Park Bankruptcy Lawyer in Fleming Island

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