Jupiter Bankruptcy Attorneys

There are many different scenarios and circumstances that can land an individual in debt. When that individual is no longer able to make the necessary monthly payments, it is critical that he or she reaches out to a law firm that specializes in bankruptcy and debt relief. It is important to be proactive in order to regain control of your finances as quickly as possible.

If it has been determined by your bankruptcy lawyer that filing for bankruptcy is the ideal option for you, then you will need to figure out under which chapter you should file under.

Below are a few of the most common chapters that individuals will file under to start their way to a better financial situation:

Chapter 7:

If you have a large amount of unsecured debt with little to no extremely valuable assets, then filing for Chapter 7 is usually the ideal route to go.

All you have to do is pass a Means Test to determine your eligibility based on your income verse your total debt. Once approved, your bankruptcy lawyer will be able to walk you through the rest of the process.

Chapter 13:

Chapter 13 is another great option for those who do not qualify to file under Chapter 7. Here, your bankruptcy attorney will negotiate new payment terms that better fit your financial picture.

This will allow you to still make payments toward your debt but in a much easier way that will not put as much financial strain on you as in the past.

Chapter 11:

In most cases, small business owners or those with high incomes and high debt will file under Chapter 11. Chapter 11 is similar to Chapter 13 in that you will negotiate new payment terms, but it is a much more complicated process and requires the assistance of an experienced bankruptcy attorney.

How Do You Know if You Should be Considering Bankruptcy?

From maxing out credit cards to borrowing from family and friends on a consistent basis, there are some warning signs that may mean it’s time to consult with a bankruptcy attorney. For example, if you are facing the possibility of foreclosure or repossession, this is the ideal time to seek out debt relief options.

Or, if you are constantly reaching into your savings or retirement funds, this is also a good sign that filing for bankruptcy may be the best option for you. Be sure to discuss with a reputable bankruptcy law firm before making any decision to ensure you are going down the right avenue that will lead you to financial freedom once again.

Loan Lawyers – Your Reliable Jupiter Bankruptcy Attorneys

At Loan Lawyers, we have over 100 years of combined experience in helping our customers overcome their debt and have room to breathe financially. On top of bankruptcy services, we also provide foreclosure defense and many other debt relief options.

For more information on our Jupiter bankruptcy services, contact one of our Jupiter bankruptcy attorneys today.

The post Jupiter Bankruptcy Attorneys appeared first on Loan Lawyers.

from Loan Lawyers https://www.fight13.com/jupiter-bankruptcy-attorneys/
via https://www.fight13.com

Lake Worth Bankruptcy Attorneys

Bankruptcy is a way for those who have found themselves in a pile of debt that they cannot simply overcome to get a fresh start financially. It is quite common for those facing overwhelming amounts of debt to hesitate in moving forward with filing for bankruptcy because they feel as though it is embarrassing or shameful to do so. However, there are thousands of individuals, including those in high-profile positions, that file for bankruptcy to get ahead of their debt and start over.

Once you’ve consulted with an experienced law firm that specializes in bankruptcy and debt relief, you must then determine the right chapter of bankruptcy to file under. The three most common chapters of bankruptcy are Chapter 7, Chapter 11, and Chapter 13.

Chapter 7

Chapter 7 is typically one of the easier chapters to file under, especially if you do not own many assets but are facing unsecured debts. To qualify for this chapter, your income is weighed against your total debt to see if you are eligible. If so, your bankruptcy lawyer will be able to walk you through the process and get you on the path to financial freedom once again.

Chapter 13

For those that are not eligible to apply for Chapter 7, then they can usually file under Chapter 13. Under this chapter, individuals will receive a new set of agreed-upon payment terms that allows them to pay of their debt in an easier way that suits their current financial picture.

Chapter 11

Chapter 11 is usually for those with very high incomes but also very high debts. In most cases, this could be a business owner that agrees on new payment terms so that he or she can continue to make payments on their debts, while still keeping their business up and running.

What Are Some Warning Signs You May Need to File for Bankruptcy?

There are a few warning signs that you should pay attention to before you file for bankruptcy. Some of the common signs include:

• Using your credit card for significant bills, such as your mortgage payments or rent payments
• Frequently pulling money from your savings or retirement funds
• Always asking for financial help from your parents, friends, or other family members
• Increasing credit card rates that make it nearly impossible to pay off the credit cards
• Threats of foreclosure or repossession

Loan Lawyers – Your Reliable Lake Worth Bankruptcy Attorneys

Not only are we able to assist with the bankruptcy process, but we can also help you with other debt-relief options. One of these ways is to help you retain the rights to their home and other valuables by providing a solid defense against foreclosure.

For more information on our Lake Worth bankruptcy services, contact one of our Lake Worth bankruptcy attorneys today.

The post Lake Worth Bankruptcy Attorneys appeared first on Loan Lawyers.

from Loan Lawyers https://www.fight13.com/lake-worth-bankruptcy-attorneys/
via https://www.fight13.com

Loan Lawyers Launch New Debt Defense and Bankruptcy Site

Loan Lawyers, a Fort Lauderdale-based debt defense and bankruptcy law firm, recently launched a new website to help people who need assistance ridding themselves of suffocating debt and moving on to a better, brighter future.

The firm’s sole focus is fighting for the rights of individuals negatively impacted by economic crises. The new website provides a wealth of information for current and future clients dealing with agonizing financial issues.

Loan Lawyers’ new site provides vital information for people burdened with constant calls from debt collectors that are interfering with their work and daily life. It also delivers helpful information on legal options for Floridians who are having trouble paying down their debt, facing a debt collection lawsuit, or looking to refinance a loan. The site also helps answer some of the most frequent questions asked by people who are considering filing for bankruptcy or are facing possible foreclosure.

At Loan Lawyers, we are dedicated to helping people throughout South Florida understand their legal options and giving them the tools they need to make the best possible decision for their family and their future. As demonstrated by our exceptional results from past cases, our debt defense and bankruptcy lawyers are committed to doing all they can to help clients overcome financial issues and get on with their lives.

Types of Cases We Handle

Some of the types of cases we handle at Loan Lawyers include:

• Bankruptcy
• Wage garnishment
• Chapter 7 bankruptcy
• Chapter 11 bankruptcy
• Chapter 13 bankruptcy
• Debt defense and negotiation
• Fair Debt Collection Practice Act (FDCPA)
• Debt collection harassment and abuse
• Student loan debt
• Debt relief
• Telephone Consumer Protection Act (TCPA)
• Loan modifications
• Automobile repossession
• Foreclosure defense
• Lender fraud litigation
• Fair Credit Reporting Act

Visit our practice area page to see all of the services we offer and issues we can assist with. Don’t see what you are looking for? Give us a call at (954) 523-4357!

Who Are the Loan Lawyers?

Matthew Bavaro and Matis Abarbanel founded Loan Lawyers in 2009 after they saw hardworking people in Florida losing their homes during the state’s foreclosure crisis and economic downturn. Their main goal in starting the firm was to help protect the rights of individuals facing financial issues, provide them with affordable legal assistance, and help them get on the road to recovery.

Since the firm’s founding, Loan Lawyers has grown to a staff of over 30 employees who are dedicated to helping individuals in the face of mistreatment and harassment by aggressive debt collectors and unscrupulous financial institutions. We’ve helped over 5,000 families get out of debt, eliminate more than $100 million in debt and mortgage principals, and recover over $20 million, plus we’ve saved more than 2,000 homes for our clients.

Check out testimonials from past clients to learn more about the ways we’ve helped people just like you handle difficult financial issues and get the results that matter. For more information about Loan Lawyers, call us or reach us 24/7 online through live chat.

The post Loan Lawyers Launch New Debt Defense and Bankruptcy Site appeared first on Loan Lawyers.

from Loan Lawyers https://www.fight13.com/new-debt-defense-and-bankruptcy-site/
via https://www.fight13.com

Palm Beach Gardens Bankruptcy Attorneys

Many people are struggling financially with insurmountable debt that stems from credit cards, medical bills, personal loans, and other expenses. If you are in a significant amount of debt that you can’t seem to get out of, it is best that you contact an experienced law firm that specializes in bankruptcy cases.

Our team of Palm Beach Gardens bankruptcy attorneys have years of experience and have assisted many clients in South Florida through the bankruptcy process.

When You Should Call a Bankruptcy Attorney

It’s an unfortunate reality that many people fall behind their financial obligations every day. While you may be considering holding off on filing for bankruptcy, there are some tell-tale signs that you should be contacting a bankruptcy lawyer sooner rather than later:

• You have taken out a payday loan or another high-interest loan to pay for day-to-day items
• You are behind on your rent or mortgage
• Debt collectors have begun harassing you in every way they can
• You have a large credit card or medical bills that you are unable to pay.

Bankruptcy can be extremely complicated and while some people think they can navigate it themselves, contacting a bankruptcy lawyer as soon as possible is the first thing you should do. At Loan Lawyers, we can help you understand the bankruptcy process and advise on what chapter is best for you.

Chapter 7 Bankruptcy

Chapter 7 bankruptcy tends to be the most straightforward of the three for individual filers. Eligibility is determined by a means test that measures the debt-to-income ratio.

If you have a large amount of debt and very little income, Chapter 7 bankruptcy can eliminate most and nearly all kinds of debt.

Chapter 13 Bankruptcy

Chapter 13 bankruptcy is strictly for individuals that earn too much to qualify for Chapter 7. Chapter 13 usually involves a new and extended repayment plan that allows you to pay off debts in 3-5 years.

Chapter 11 Bankruptcy

Chapter 11 bankruptcy is usually reserved for businesses and corporations with large amounts of debt. Chapter 11 usually grants businesses time to reorganize assets and pay off debts over an extended period of time.

Contact Our Palm Beach Gardens Bankruptcy Attorneys Today

Loan Lawyers is committed to helping our clients get out of the debt with a fresh start. Our Palm Beach Gardens bankruptcy lawyers are dedicated to guiding you through the bankruptcy process. Contact us today to request a consultation.

The dedicated bankruptcy attorneys at Loan Lawyers have:

• helped over 5,000 South Florida homeowners and consumers with their debt problems
• saved over 2,000 homes from foreclosure
• eliminated more than $100,000,000 in mortgage principal and consumer debt
• recovered over $10,000,000 on behalf of our clients due to bank, loan servicer, and debt collector violations

Contact us for a free consultation and find out more about our money-back guarantee on credit card debt buyer lawsuits, and how we may be able to help you.

The post Palm Beach Gardens Bankruptcy Attorneys appeared first on Loan Lawyers.

from Loan Lawyers https://www.fight13.com/palm-beach-gardens-attorneys/
via https://www.fight13.com

Royal Palm Beach Bankruptcy Attorneys

It can’t be extremely stressful and overwhelming when you are facing a large amount of debt that only seems to increase each month. There are millions of people across America that file for bankruptcy every year and it is absolutely the best way to get back on track for those that qualify.

Our team of Royal Palm Beach bankruptcy attorneys at Loan Lawyers has years of experience providing legal counsel to our clients throughout South Florida. We have helped to advise and guide our clients throughout the bankruptcy process that can be extremely difficult to navigate on your own.

When It’s Time to Call a Bankruptcy Lawyer

Debt is something that’s very easy to get in but can be extremely hard to get out of. Financial struggles can arise at any moment due to unforeseen or unexpected circumstances.

While many people may try to avoid bankruptcy, there are several signs that can let you know when it’s time to contact a reputable bankruptcy attorney:

• The bill collectors have started to bombard you with calls, letters, and even emails.
• You are on the brink of eviction or foreclosure
• You have no way of paying credit cards or medical bills.
• You’ve taken out or considered high-interest payday loans.

Bankruptcy is usually the best solution if you are struggling to meet your financial obligations. The two biggest mistakes people make is waiting too long and trying to handle the bankruptcy themselves. While the situation that led to bankruptcy is never ideal, our Royal Palm Beach bankruptcy attorneys can help you throughout Chapter 7, 13, or Chapter 11 process.

Chapter 7 Bankruptcy

Chapter 7 is the best solution for individuals with a large amount of debt and little to no disposable income. Chapter 7 can potentially eliminate unsecured debt but those filing must take and pass a means test that examines debt-to-income ratio.

Chapter 13 Bankruptcy

Chapter 13 is for people that do not qualify for Chapter 7 because their income is too high. Chapter 13 usually involves the structuring of an extended payment plan of 3-5 years to repay back debt.

Chapter 11 Bankruptcy

Chapter 11 bankruptcy is generally for businesses and corporate entities and allows restructuring of debt.

Contact Our Royal Palm Beach Bankruptcy Attorneys Today

Loan Lawyers is one of the top bankruptcy law firms in the South Florida area. Our Royal Palm Beach bankruptcy lawyers are skilled and committed to providing our clients with the counsel they can depend on to get through the bankruptcy process. Contact us today for more information and to request a consultation.

The dedicated bankruptcy attorneys at Loan Lawyers have:

• helped over 5,000 South Florida homeowners and consumers with their debt problems
• saved over 2,000 homes from foreclosure
• eliminated more than $100,000,000 in mortgage principal and consumer debt
• recovered over $10,000,000 on behalf of our clients due to bank, loan servicer, and debt collector violations

Contact us for a free consultation and find out more about our money-back guarantee on credit card debt buyer lawsuits, and how we may be able to help you.

The post Royal Palm Beach Bankruptcy Attorneys appeared first on Loan Lawyers.

from Loan Lawyers https://www.fight13.com/royal-palm-beach-attorneys/
via https://www.fight13.com

Wellington Bankruptcy Attorneys

While bankruptcy has a negative connotation associated with it, it actually is a very beneficial and real option for many people or businesses who are struggling financially. To build on this, an immediate benefit is that when you file for bankruptcy it immediately stops creditors from continuing their pursuit of collection. Federally, it is your right to file for bankruptcy if the circumstance presents itself.

There are three common types of bankruptcy within bankruptcy law: Chapter 7, Chapter 11, and Chapter 13. Chapter 7 is generally the easiest one of the three. It usually involves liquidating nonexempt assets to pay off debts, hence why it is also called “liquidation bankruptcy.” When situations are a bit more complicated when it comes to a reorganization of a person’s or company’s finances, then Chapter 11 bankruptcy is more suitable. Chapter 13 bankruptcy is a good choice for individuals or companies who need are still earning a wage and can repay their debt over time. This “wage earner’s plan” as it is called, allows assets to be retained as debts are paid off over time.

Chapter 7

Our Wellington bankruptcy attorneys are here for our clients who are struggling with debt to file for Chapter 7 bankruptcy. The usual fit for this type of bankruptcy are people with few assets and unsecured debts. We focus on clients who want a fresh start in life.

Chapter 13

Our Wellington bankruptcy attorneys focus on providing legal assistance for Chapter 13 bankruptcy. This assistance comes with the help of reorganizing their bankruptcy. The ideal client for this is someone who is facing an immediate threat such as repossession of their vehicle or foreclosure on their home.

The main objective here is identifying and implementing a suitable plan of debt repayment so that the client can get a handle on their debt while not giving up their home or possessions.

Warning Signs

• Needing to use your credit card for necessities: mortgage, food, gas, rent, utilities, etc.
• Substantially dipping into your savings account or retirement accounts to stay afloat
• Consistently being bothered by debt collectors
• Constantly borrowing money from family or friends to pay off debts
• Credit card interest rates increasing to amounts too high to keep up with
• Getting continuous court documents in the mail that include lawsuits and bills you can’t pay
• Possible foreclosure on your home
• Possible repossession of your vehicles

Foreclosure

Foreclosure is a scary thing, but sometimes it can be worth it. Our foreclosure attorneys will work with you to decide if it is the right decision to go ahead with foreclosure or not depending on your situation.

Many people owe more on their home than it is worth. If this is the case then it may be an opportunity to decide if it is worth holding onto it or not. We encourage our clients to take this time to look at your past financial decisions and choose which ones are worth it and which ones are not.

Contact the Wellington Bankruptcy Attorneys at Loan Lawyers

At Loan Lawyers, we are your trusted and effective Wellington bankruptcy lawyers. Get in touch with us today!

The dedicated bankruptcy attorneys at Loan Lawyers have:

• helped over 5,000 South Florida homeowners and consumers with their debt problems
• saved over 2,000 homes from foreclosure
• eliminated more than $100,000,000 in mortgage principal and consumer debt
• recovered over $10,000,000 on behalf of our clients due to bank, loan servicer, and debt collector violations

Contact us for a free consultation and find out more about our money-back guarantee on credit card debt buyer lawsuits, and how we may be able to help you.

The post Wellington Bankruptcy Attorneys appeared first on Loan Lawyers.

from Loan Lawyers https://www.fight13.com/wellington-bankruptcy-attorneys/
via https://www.fight13.com

West Palm Beach Bankruptcy Attorneys

A common legal procedure that helps individuals who have found themselves in a sizeable amount of debt is bankruptcy. While many people may frown when they hear the word “bankruptcy”, it is actually a legal right that all citizens of the U.S. have in order to gain a fresh start financially.

When you file for bankruptcy, you are essentially preventing all creditors and debt collection agencies from harassing you in order to collect payments. You are also entitled to a range of debt relief options to try and pursue so that you can find stable ground financially once again.

There are a few common chapters of bankruptcy that one may file under including Chapter 7, Chapter 13, and Chapter 11.

Filing for Chapter 7 Bankruptcy

Filing for Chapter 7 of bankruptcy is typically the simplest filing procedure because it usually involves liquidating one’s current assets in order to pay off their debts.

If you do not have a ton of valuable assets and do not make a large income, filing under Chapter 7 is usually the best option.

Filing for Chapter 13 Bankruptcy

Filing for Chapter 13 of bankruptcy is usually for those that still make enough of an income to where they are able to pay their essential bills, while also making monthly payments toward their current loans or debts.

Under this chapter, a modification to the current monthly payment plan is made. Whether this means that a temporary payment extension is granted or the monthly payment amount is reduced, it is highly recommended to have a bankruptcy attorney representing you during this process.

Filing for Chapter 11 Bankruptcy

Filing for Chapter 11 of bankruptcy is usually for those that have a high income but also a high debt amount owed.

Most of the time, small business owners will file under Chapter 11 if they have found themselves unable to repay business loans but are still able to keep their company afloat.

When Should You Contact a West Palm Beach Bankruptcy Attorney?

There are a few warning signs to pay attention to if you are wondering whether or not you should contact a bankruptcy attorney.

Some of the most common financial warning signs include:

• Using your credit card over and over for essential items like groceries or gas
• Using any or all of your savings or retirement money
• Continuously borrowing from family or friends
• Consistent communication from debt collection agencies, lenders, or creditors
• Incredibly high-interest rates or unattainable monthly credit card payments
• Foreclosure or repossession threats

Foreclosure

If you are facing the threat of foreclosure, it is essential that you seek the advice of an experienced and reputable bankruptcy lawyer in order to evaluate the options that allow you to keep the rights to your home and other valuable assets.

At Loan Lawyers, we specialize in helping our clients keep their homes and properties while figuring out a reasonable financial solution that will lead to overcoming their debt.

Loan Lawyers – Your Trusted West Palm Beach Bankruptcy Lawyers

Our team of expert bankruptcy attorneys has over 100 years of combined experience in helping individuals get out of debt and back on their feet financially.

For more information on our West Palm Beach bankruptcy services, contact one of our skilled West Palm Beach bankruptcy lawyers today.

The post West Palm Beach Bankruptcy Attorneys appeared first on Loan Lawyers.

from Loan Lawyers https://www.fight13.com/west-palm-beach-attorneys/
via https://www.fight13.com