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Attorney Tony DiTocco
“I WILL FIGHT TO PROTECT YOUR LEGAL RIGHTS UNDER THE LAW.”
Are you looking at a pile of debt that you can’t afford to pay? Are you barely making the minimum monthly payments? Are bill collectors calling you at all hours during the day? There are solutions available to you.
One option might be to file for bankruptcy. When you file for either a Chapter 7 bankruptcy or a Chapter 13 bankruptcy in Boca Raton, Florida you will be granted an automatic stay. This means that all lawsuits are halted, all phone calls must cease, and any attempt to collect on any debt is temporarily suspended by law.
As a debtor in the United States you have the right to file for protection under the bankruptcy laws. These laws were put into our Constitution by our Founding Fathers to help those who need it get a clean financial slate. If you have debts that you can’t afford to repay or are starting to fall behind on bills due to job loss, the housing crisis, the stock market crash, illness, disability or any other unforeseen and unfortunate financial circumstance call our Boca Raton bankruptcy lawyer today to see if filing for bankruptcy is something that you should consider.
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There are two main types of personal bankruptcy. The first is Chapter 7 bankruptcy. In a Chapter 7 bankruptcy, also referred to as a liquidation bankruptcy the debtor gives the bankruptcy trustee all of their non-exempt assets. The trustee will in turn sell the assets and payoff a prorated amount to all of the creditors. In a lot of Boca Raton Chapter 7 bankruptcy cases the debtor is able to exempt all of their assets and will not have to hand over anything to the trustee.
The second type of personal bankruptcy in Florida is called a Chapter 13 bankruptcy. A Chapter 13 bankruptcy is referred to as a repayment bankruptcy. You and your Boca Raton bankruptcy lawyer will develop a repayment plan and make payments to the trustee for three to five years. At the end of this period all of your debts will be gone, assuming you make all of your payments to the trustee.
Filing Bankruptcy in Florida
Florida Bankruptcy laws are very complex. Navigating through the intricate process of bankruptcy can be difficult without the help of a bankruptcy lawyer. An experienced Boca Raton bankruptcy attorney can help ensure that you select the appropriate Chapter, take advantage of all Florida bankruptcy exemptions available, and make the most of your fresh financial start.
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561.318.0781 | 2255 Glades Road, Suite 324 A
Boca Raton Bankruptcy Lawyer
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