How to File for Bankruptcy

Which Type of Bankruptcy Is Best for You?

At Florida Consumer Justice, we can help to determine which type of bankruptcy is best for your unique situation. Our free consultations allow you to start with the best legal advice we can offer to help guide you to your best choice. We want you to make the most informed and educated decision on debt relief and feel confident in that decision. We will assist you in finding the best possible bankruptcy option. Sarasota Bankruptcy Bob King wants you to know that your best interest is his concern. Give him a call us today (941) 706-0632, or contact him online.

To determine the bankruptcy best tailored to your needs we assess your income, expenses, amount and type of debts you owe, and all your assets. We will advise and explain to you which chapter is best, advice on any potential issues, and how to effectively address these issues. Please remember the input you offer about the factors leading to your claim is highly valuable to us and we make a point of consideration in addition to every other detail.

Credit Counseling Session

After your initial consultation, we will show you where to schedule a phone appointment or online appointment for a credit counseling session, along with documentation requirements. When you finish the credit counseling requirement, you will submit the completed paperwork needed to file your bankruptcy for review. Once we have all the necessary documentation and information, the timing is right, and your complete credit counseling, we are ready to prepare and file your petition.

Filing your Petition, Section 341 hearing

Usually after 30-45 days from filing your petition, you will have a Section 341 hearing to review your case with your case trustee. If your case is a no-asset case nor are there any issues, two months after the Section 341 hearing for a Chapter 7 bankruptcy petition, debts that qualify for release are permanently cleared. Creditors cannot make any efforts to collect on those debts between the time you file and the time of the court’s decision.

Chapter 13: Repayment Plan

If the court has approved your petition for a Chapter 13 bankruptcy repayment plan, you have a time frame of 36 to 60 months to pay monthly on your debts, and then debts that qualify for release are permanently cleared. If you are afraid of making that commitment, there is no reason to worry.

If you should have a change in circumstances during you chapter 13 such as loss of income, many times you may convert your Chapter 13 case to a Chapter 7 and receive a Chapter 7 discharge instead.  Bob King can help you investigate all options if you have difficulties with payments under that plan.

If you would like to speak with Attorney Bob King, call him today at (941) 706-0632, or contact him online. He offers free consultations and will answer your questions.

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