Welcome to Bankruptcy Legal Services Having trouble paying your bills? If you're struggling with credit card bills, medical debt or mortgage payments, Getting dunning notices and call from creditors? Are you worried about losing your home or your car? you're not alone. You have legal options to get your life back on track.Get help today. Simply fill out the below form to connect with a local bankruptcy attorney for a free case evaluation.Stop Collectors from calling You. Call us Right Now Don't Wait Don't Wait One More Day Your financial situation doesn't have to go from bad to worse. Bankruptcy maybe the Solution for You .Free Bankruptcy Consultation Please fill out the form. You can immediately stop all harassment and legal actions, wipe out a good deal of your debt and get a new start on life Thank you and Congratulations. Thank you and Congratulations Debt Free!!!!

brickell Key Biscayne Miami Beach Miami Springs Pinecrets Fort Lauderdale Beach Coral Gables Doral Aventura Homestead Brickell Key Biscayne Miami Beach Miami Springs Pinecrets Fort Lauderdale Florida Aventura Homestead Brickell Key Biscayne Miami Beach Miami Springs Pinecrets Fort Lauderdale Beach Coral Gables Doral Aventura Homestead Brickell Key Biscayne Miami Beach Miami Springs Pinecrets Fort Lauderdale Beach Coral Gables Doral Aventura Homestead Brickell Key Biscayne Miami Beach Miami Springs Pinecrets Fort Lauderdale Beach Coral Gables Doral Aventura Homestead Brickell Key Biscayne Miami Beach Miami Springs Pinecrets Fort Lauderdale Beach Coral Gables Doral Aventura Homestead Brickell Key Biscayne Miami Beach Miami Springs Pinecrets Fort Lauderdale Beach Coral Gables Doralos Bay Harbor Islands Biscayne Park Coral Gables Doral El Portal.Florida City Golden Beach Hialeah Hialeah Gardens tead Indian Creek Village Aventura Homestead Brickell Key Biscayne Miami Beach Miami Springs Pinecrets Fort Lauderdale Aventura Homestead Brickell Key Biscayne Miami Beach Miami Springs Pinecrets Fort Lauderdale Kendall Doral Brickell Aventura Homestead Brickell Key Biscayne Miami Beach Miami Springs Pinecrets Fort Lauderdale New Aventura Homestead Brickell Key Biscayne Miami Beach Miami Springs Pinecrets Fort Lauderdale Kendall Doral Brickell Aventura Homestead Brickell Key Biscayne Miami Beach Miami Springs Pinecrets Fort Lauderdale Aventura Homestead Brickell Key Biscayne Miami Beach Miami Springs Pinecrets Fort Lauderdale Kendall Doral Brickell Aventura Homestead Brickell Key Biscayne Miami Beach Miami Springs Pinecrets Fort Lauderdale Aventura Homestead Brickell Key Biscayne Miami Beach Miami Springs Pinecrets Fort Lauderdale Kendall Doral Brickell Aventura Homestead Brickell Key Biscayne Miami Beach Miami Springs Pinecrets Fort Lauderdale Aventura Homestead Brickell Key Biscayne Miami Beach Miami Springs Pinecrets Fort Lauderdale Kendall Doral Brickell Aventura Homestead Brickell Key Biscayne Miami Beach Miami Springs Pinecrets Fort Lauderdale Aventura Homestead Brickell Key Biscayne Miami Beach Miami Springs Pinecrets Fort Lauderdale Kendall Doral Brickell Aventura Homestead Brickell Key Biscayne Miami Beach Miami Springs Pinecrets Fort Lauderdale Aventura Homestead Brickell Key Biscayne Miami Beach Miami

File Bankruptcy Now! The Solution
Stop Debt * Stop Collectors * Start New Life
Don't Wait Hire An Experienced Attorney Now!

Bankruptcy Frequency Asked Questions

Would going to a credit counselor be a good alternative to filing bankruptcy?

Maybe, but credit counseling agencies are very limited in what they can do on behalf of debtors. They do not actually "negotiate" on behalf of debtors but have a preestablished set of standards from the creditors on what will be accepted. For example, the debt management plans offered by credit counseling agencies rarely provide a reduction in minimum monthly payments on credit cards and may even result in a higher payment. The plans usually only reduce the number of years which a debtor has to repay a loan by reducing the interest rate and eliminating late fees. But if you're having difficulty making even the minimum payments, the debt management plans are unlikely to be of much help. For these reasons and others, it's estimated that only 4% of debt management plans survive the first year of what is usually a 3-5 year period.

Isn't it immoral or sinful to file bankruptcy?

No, absolutely not. My religious faith is a key part of my life so the issue of bankruptcy and morality is an important one to me. Obviously, people should repay their debts if they can. But there is clear evidence in the Bible that filing bankruptcy by people who can't find another way out of financial trouble is not only permitted but specifically approved. In Deuteronomy 15: 1-2 creditors were instructed by God to grant release from debt to anyone who had borrowed money. There was no concern for whether the lender was legitimately owed the money or whether the borrower had made mistakes. The debt was to be forgiven. Period.

This mandatory debt forgiveness had a two-fold purpose. It showed compassion and mercy to the poor, which is required to honor God, and it led to more economic stability for families and the community. Being weighed down by debt is not a productive way for any family to live and filing bankruptcy to get out from under this burden is neither sinful nor immoral. This is specially true when the cause of bankruptcy is almost always something beyond the control of the debtor, such as medical problems or loss of a job. And when creditors now often charge upwards of 30% interest on debt (a rate most people would consider usury) no one should feel guilty for seeking lawful relief from their debts.

What information will I need to provide?

Thompson Law Office uses a detailed questionnaire to get information about income, assets, expenses, and creditors. In addition, you'll need to provide us copies of pay stubs or other income statements for the 7  months prior to filing, tax returns for the most recent three tax years, property tax assessments on any real estate, and credit reports. We'll give you a complete list of the required documents.

Does it matter what my income is for filing bankruptcy?

Debtors with primarily consumer debts may not qualify for a Chapter 7 if they earn more than the state median income. Income is based on the gross average income for the past six months but does not include social security or unemployment benefits. Debtors that earn more than the state median income and have significant disposable income after deducting their living expenses might have to file a Chapter 13 bankruptcy. We can discuss this "means test" procedure more at our first meeting.

Can I keep my house and car?

Often, you will be able to keep both your house and car.  Generally, to do this you should continue to make your regular mortgage or loan payments. If a lender insists that a debtor sign a reaffirmation agreement on a vehicle the debtor may be required to attend a hearing before the judge. We'll discuss this in greater detail during our visit.

How long does the process take?

From the time of filing to the receipt of a discharge in a Chapter 7 or confirmation of a Chapter 12 or 13 Plan, the process generally takes about six months. Most of that time nothing much is happening except waiting for time periods to pass. Most debtors are finished actually having to do anything within a month after filing.

I've already filed bankruptcy once. Can I file again?

It depends on how long ago you filed and what type of bankruptcy it was. In general, you cannot file Chapter 7 if you obtained a Chapter 7 discharge more recently than eight years ago. There are different rules if you're filing a Chapter 13. You won't be able to receive a discharge in a Chapter 13 bankruptcy if you received a Chapter 7 discharge within four years or a Chapter 13 discharge within two years. We can discuss this in greater detail during our visit but many people have filed bankruptcy more than once.

What debt cannot be discharged in the bankruptcy?

In general, debts for student loans, alimony and child support, some back  tax obligations, criminal restitution, and debts for death or personal injury caused by operating a vehicle while intoxicated are not dischargeable. There are exceptions though so if you have these types of debts be sure to discuss them with us when we meet.

What does it cost to file for bankruptcy?

For an uncontested personal Chapter 7 bankruptcy Thompson Law Office charges a flat fee of $1,200. This fee covers all costs incurred with filing the bankruptcy, including the $299 filing fee and the required credit counseling and financial education course fees. If it is a business Chapter 7 or the bankruptcy involves substantial business as well as personl debts, the fee may be higher. While creditor disputes are rare, if any disputes do occur after the bankruptcy is filed clients are billed hourly for those services. There may also be additional costs for filing amendments to the bankruptcy , filing a redemption, and seeking reimbursement of garnished wages. For a Chapter 12 or 13 bankruptcy I charge an hourly rate of $200/hour. A payment of $1,200 is needed to file a Chapter 13 bankruptcy, which includes the $274 filing fee and the counseling fees. Additional costs incurred in a Chapter 13 are paid through the plan. A payment of $5000 is needed for a Chapter 12, which includes the $239 filing fee. I am happy to take payments after an initial deposit of $200 but all the fees must be paid in full before the bankruptcy can be filed.

What impact does bankruptcy have on my credit?

It's impossible to say for certain. The only "rule" is that the bankruptcy can remain on your credit report for up to ten years. Beyond that, every creditor will have its own policy about loaning to someone with a previous bankruptcy. Your future ability to obtain credit will depend on the amount of your income, whether you've had any late payments or other credit problems since the bankruptcy, and how long it's been since the bankruptcy was filed. Paying your bills on time and not overextending yourself with too many debt obligations is often the best way to reestablish a good credit record.

Will bankruptcy stop the foreclosure of my home?

Filling for bankruptcy will stop the process of foreclosure on your home. In most cases, once you file your case, an "automatic stay" immediately goes into effect. The automatic stay means that a bankruptcy filing automatically stops most lawsuits, including foreclosures. However, you will still need to do specific things to be able to keep your home, including perhaps choosing to file a Chapter 13 instead of a Chapter 7.  We’ll discuss this in detail during our meeting.

Will I have to appear before a judge?

Most of the time, a Chapter 7 or 13 bankruptcy does not involve a hearing before the bankruptcy judge.  Debtors are only required to attend a meeting of creditors” where the trustee and any creditors present are allowed to ask the debtors questions about their liabilities and assets.  Hearings before the judge only occur when there are disputes with creditors or the trustee and even then debtors are rarely required to attend, only their attorney. Debtors may be required to attend a hearing with the judge if they are seeking to reaffirm a debt on personal property.

Will my name appear in the newspaper?

It might, depending on where you live. The Des Moines Register publishes the names of bankruptcy filers living in Polk, Dallas, and Warren counties. Other newspapers may or may not publish this information.   It's not something we can control. But remember, thousands of other names will be listed also.


bankruptcy,foreclosure,bankruptcy attorneys,bankruptcy lawyers,bankruptcy chapter7,bankruptcy chapter13,bankruptcy, bankruptcy attorney, bankruptcy education, bankruptcy procedure, bankruptcy process, bankruptcy questions, chapter 13, chapter 7, debt relief, student loan debt, law offices, chapter 13, chapter 7, credit card debt, credit score, debt collection, debt relief, helpful bankruptcy tips, personal bankruptcy, local bankruptcy lawyers, local bankruptcy attorneys, discharge debt bankruptcy, credit repair, credit cards, fico score, credit report, fix credit, free bankruptcy, bancarrota, ejecución hipotecaria, abogados de bancarrota, abogados de bancarrota, bancarrota capítulo 7, bancarrota capítulo 13, bancarrota, abogado de bancarrota, educación sobre bancarrota, procedimiento de bancarrota, proceso de bancarrota, preguntas de bancarrota, capítulo 13, capítulo 7, alivio de la deuda, deuda de préstamos estudiantiles, oficinas de abogados, capítulo 13, capítulo 7, deuda de tarjeta de crédito, puntaje de crédito, cobro de deudas, alivio de la deuda, consejos útiles de bancarrota, bancarrota personal, abogados de bancarrota locales, abogados de bancarrota locales, bancarrota de deudas, reparación de crédito, tarjetas de crédito, puntaje de fico, informe de crédito, arreglo crédito, quiebra gratuita,kissimmee poinciana davenport haines city clermont deland kissimmee poinciana davenport haines city clermont sanford kissimmee poinciana davenport haines city clermont lake mary kissimmee poinciana davenport haines city clermont longwood kissimmee poinciana davenport haines city clermont winter springs kissimmee poinciana davenport haines city clermont 34741 34743 34745 34747 34759 34742 34744 34746 34758 kissimmee poinciana davenport haines city clermont wekiva springs kissimmee poinciana davenport haines city clermont oviedo kissimmee poinciana davenport haines city clermont altamonte springs kissimmee poinciana davenport haines city clermont fern park kissimmee poinciana davenport haines city clermont forest city kissimmee poinciana davenport haines city clermont port orange kissimmee poinciana davenport haines city clermont kissimmee poinciana davenport haines city clermont maitland kissimmee poinciana davenport haines city clermont bay lake belle isle edgewood lake buena vista maitland ocoee orlando winter garden winter park alafaya azalea park bay hill christmas st cloud 34769 34770 34771 34772 34773 conway dr. phillips fairview shores four corners goldenrod holden horizon west hunter's creek lake butler lake hart lake mary jane lockhart meadow woods oak ridge orlo vista paradise pine castle pine hills rio pinar sky lake south southchase taft tangelo park tangerine union park university wedgefield williamsburg zellwood 34741 34743 34745 3474732819 32839 32809 32812 32836 32821 32837 32824 32827 32832 32829 st cloud osceola windermere kissimmee st. cloud buenaventura lakes bull creek campbell celebration deer park harmony holopaw kenansville poinciana yeehaw junction narcoossee 33848 intercession city osceola county 34739 kenansville osceola county 34741 kissimmee osceola county 34742 kissimmee osceola county 34743 buena ventura lakes osceola county 34743 kissimmee osceola county 34744 kissimmee osceola county 34745 kissimmee osceola county 34746 kissimmee osceola county 34747 celebration osceola county 34747 kissimmee osceola county 34758 poinciana osceola county 34758 kissimmee osceola county 34769 st. cloud osceola county 34770 st. cloud osceola county 34771 st. cloud osceola county 34772 st. cloud osceola county 34773 st. cloud osceola county 32703 orange county 32704 orange county 32709 christmas orange county 32710 st cloud 34769 34770 34771 34772 34773 orange county 32712 orange county 32751 34741 34743 34745 3474732819 32839 32809 32812 32836 32821 32837 32824 32827 32832 32829 orange county 32751 maitland orange county 32768 plymouth orange county 32777 tangerine orange county 32789 winter park orange county 32790 winter park orange county 32792 aloma orange county 32792 winter park orange county 32793 winter park orange county 32794 maitland orange county 32798 zellwood orange county 32801 orlando orange county 32802 orlando orange county 32803 orlando orange county 32804 orlando orange county 32805 orlando orange county 32806 orlando orange county 32807 azalea park orange county 32807 orlando orange county 32808 pine hills orange county 32808 orlando orange county 32809 belle isle orange county 32809 pine castle orange county 32809 edgewood orange county 32809 orlando orange county 32810 lockhart orange county 32810 orlando orange county 32811 orlo vista orange county 32811 orlando orange county 32812 belle isle orange county 32812 orlando orange county 32814 orlando orange county 32817 union park orange county 32817 orlando orange county 32818 hiawassee orange county 32818 orlando orange county 32819 sand lake orange county 32819 orlando orange county 32820 orlando orange county 32821 orlando orange county 32822 orlando orange county 32824 orlando orange county 32825 orlando orange county 32826 orlando orange county 32827 orlando orange county 32828 alafaya orange county 32828 orlando orange county zip code city county 32829 orlando orange county 32830 lake buena vista orange county 32830 orlando orange county 32831 orlando orange county 32832 orlando orange county 32833 orlando orange county 32834 orlando orange county 32835 orlando orange county 32836 orlando orange county 32837 orlando orange county 32839 pine castle orange county 32839 edgewood orange county 32839 orlando orange county 32853 orlando orange county 32854 orlando orange county 32855 orlando orange county 32856 orlando orange county 32857 orlando orange county 32858 orlando orange county 32859 orlando orange county 32860 orlando orange county 32861 orlando orange county 32862 orlando orange county 32867 orlando orange county 32868 orlando orange county 32869 orlando orange county 32872 orlando orange county 32877 south creek orange county 32877 orlando orange county 32878 orlando orange county 34734 orange county 34740 killarney orange county 34760 st cloud osceola orange county 34761 ocoee orange county 34777 winter garden orange county 34778 winter garden orange county 34786 windermere orange county 34787 st cloud osceola orange county 34787 winter garden orange county

File Bankruptcy Now! The Solution to Your Problems

go top