Welcome to Miami Bankruptcy Lawyer
People file bankruptcy to eliminate:
- Credit card debt, Medical bills, Income taxes older than three years, repossessions, creditor lawsuits, and other debts;
- To stop the constant harassment by creditors at home and at work;
- To stop a foreclosure lawsuit;
- To stop wage and bank garnishments;
- To reinstate a driver’s license suspended after an accident;
- And the desire to be debt free, start fresh, and to be able to reestablish credit in two years after bankruptcy.
Our commitment to you is that when you contact First Legal you will speak directly to an experienced bankruptcy attorney, not a paralegal or secretary. We understand how unexpected events can land even the most careful person in financial hardship. We understand the difficulties families go through when faced with the possibility of foreclosure or repossession, the difficult decisions you have to make when credit card or medical bills pile up, we know what it means to be afraid to pick up the phone because it might be another creditor demanding to be paid. Let our experienced team of attorneys help you get debt relief and get a fresh start.
Chapter 7 bankruptcy is the quickest form of bankruptcy and can help eliminate most kinds of unsecured debt. From filing to discharge the process can take less than four months in many cases. Chapter 13 is advisable for people who have a regular income and can afford a payment plan to help stop repossession and foreclosure. Specific circumstances when it is appropriate to file a chapter 13 bankruptcy are to strip-down second and other junior mortgages to the level of an unsecured debt when the market value of a home is less than monies owed on the first mortgage, and tax reasons. Chapter 13 plans can last three to five year repayment. Experienced and knowledgeable bankruptcy lawyers will help you make the right decision for your situation. A bankruptcy attorney analysis will center on your assets and liabilities, as well as your income and expenses from all sources. Bankruptcy fees charged by bankruptcy attorneys can be lower in a Chapter 7 than a Chapter 13 because of time and complexity factors.
Immediately, upon filing the petition by your bankruptcy lawyer an automatic stay goes into effect provided you have not been involved in the filing of recent bankruptcy cases. This prevents creditors from making direct contact with you or staking a claim to any of your property from the date of filing. Creditors will be obligated to contact your bankruptcy attorney. When you contact First Legal, one of our bankruptcy attorneys will answer your questions as to your options to deal with foreclosure, to reestablish your credit in as little as two years, to deal with the repossession of your car, creditors garnishing your salary and bank account, threatening and harassing phone calls from collection agencies and credit card companies, to reinstate your driver’s license immediately upon filing because of an accident due to lack of insurance, and to eliminate credit card debt and be debt free. That is what First Legal can do for you. The first bankruptcy lawyer consultation is free, and you will meet with one of our experienced bankruptcy attorneys, not with a secretary or a bankruptcy paralegal. We will examine your financial situation carefully and advise you as to the best course of action in your situation, which may or may not include the immediate filing of a chapter 7 or chapter 13 bankruptcy depending on your circumstances. Our bankruptcy attorney fees are kept as low as possible and can be paid over a period of time prior to filing your bankruptcy case. As soon as we are retained, and with your with your permission, we will access your credit report, review relevant public records and websites to determine if you should file for bankruptcy in Miami, Fort Lauderdale, or Palm Beach and when it is the best time to file for bankruptcy
At First Legal will explain the bankruptcy process, including the bankruptcy required credit counseling class you will need to take on the phone or on the internet before we file your bankruptcy chapter 7 or chapter 13 petition and the bankruptcy financial management class you will need to take after your case is filed to receive a bankruptcy discharge. We will review, determine and explain how debts are dealt with in bankruptcy and which debts are dischargeable in bankruptcy.
At First Legal you will receive the dedicated attention of an experienced team of qualified attorneys that will partner with you during the entire process and will be at your disposal whenever you have questions or concerns to discuss. We will do it an affordable flat fee.