Chapter 7 Bankruptcy Lawyer Tallahassee

Need relief from debt in Florida? Chapter 7 Bankruptcy Lawyer Tallahassee, Robert C. Bruner and Trey Wright can help. Free consultation. 850-385-0342.

Chapter 7 bankruptcy is one option available to residents of Florida. Chapter 13 bankruptcy is for people who believe they can repay their entire debt quickly if they are allowed to make fair payment agreements. On the other hand, Chapter 7 bankruptcy is for people who don’t think they can pay any of their debts given their financial circumstances.

The Chapter 7 bankruptcy filing procedure is a big decision. It should not be taken lightly. Chapter 7 filers in Florida must be fully aware of all their financial and legal obligations. They will have to make important decisions, such as which exemptions they should file to protect certain assets.

An experienced Florida bankruptcy lawyer can offer legal guidance and assistance to assist you in taking the right steps. Your lawyer will ensure that all documentation is properly filed. Your Florida bankruptcy lawyer can assist you if there are any issues with your filing.

For over 30 years, Bruner Wright P.A. has been helping residents of Tallahassee, Florida file bankruptcy. We know that you may be overwhelmed by the bankruptcy process and are afraid. That is why we are here to help.

A free initial case review will allow you to speak with an experienced Florida Chapter 7 bankruptcy lawyer about your particular situation and the best next steps. Call us now to schedule your no-obligation consultation.

Helping Individuals And Businesses Permanently Discharge Debts

If you are currently in a financial challenge for what ever reason, what you might need is a fresh start. This is what a chapter 7 bankruptcy can provide for you. Whether it be an accident, divorce, illness, or any other reason. If your business is experiencing troubles, then you might want to consider being permanently discharged from your debts under chapter 7. whether you are filing for a business or yourself, you want to make sure you have an experienced lawyer to help you through the process, so that you accomplish your objectives in the process.

At Bruner Wright, P.A., we have over 30 years of experience assisting people in consumer bankruptcy matters, including efforts to discharge debt through a Chapter 7 bankruptcy filing. We created our successful practice by combining a commitment to service and attention with a high level of responsiveness to the needs of our clients. When you call our offices, you will always get to speak with a Chapter 7 bankruptcy attorney. For a free initial consultation, contact our office by email or call us at 850-385-0342.

Florida Chapter 7 Basics

In Florida, those with serious debt can file for Chapter 7 bankruptcy to have their eligible debt “discharged”. This means that they will lose most of their assets and be able to pay off their debts.

The “discharged” debt does not erase or forgive the debtor, but it frees him from all legal obligations to repay the debt. In most cases, creditors of discharged debts have no legal right to pursue you for repayment. However, not all debts are eligible for discharge.

You can file Chapter 7 in Florida and give up the majority of your assets to create an estate or trust. To raise funds, a trustee appointed by the court will liquidate all this property. These funds are then divided proportionally among all eligible petitioning creditors.

After this process is completed, the bankruptcy court will consider your debt “discharged”.

Florida Chapter 7 Lawyer

Bruner Wright P.A’s Chapter 7 bankruptcy lawyer in Tallahassee can help you if you’re having trouble meeting your financial obligations or need to make a new start in your financial life. Our Florida Chapter 7 lawyers have extensive experience in representing clients such as you in bankruptcy cases of all kinds.

We know that these are difficult times for clients with low credit scores and high credit card debts. However, we can help you with your bankruptcy case. For those in financial difficulty or who have experienced difficult times, filing for bankruptcy in Florida can be a viable financial option. An experienced Florida Chapter 7 lawyer can provide guidance and protection to help you regain control over your financial future.

Our Florida Chapter 7 bankruptcy lawyers are experienced and understand the difficulties that can arise from financial problems. We will help you make the filing process for any type of bankruptcy as easy and stress-free as we can. Our Florida law firm can provide sound legal advice to our clients in bankruptcy matters.

Debts That Are Not Dischargeable in Florida

Some debts cannot be discharged under Chapter 7 bankruptcy.

  • Federal student loans or Federally backed student loans. Except in cases of “undue burden”
  • Child support and Alimony payments
  • Fraud-related debts
  • Within 60 days of filing, credit card purchases or loans of $1,150 and more must be made
  • Most tax debt
  • Penalties and fines for criminal offenses
  • A bankruptcy filing has previously listed debt
  • After causing personal injury, death, or DWI-related injuries, a debt is owed

Chapter 7 Means Test

Chapter 7 bankruptcy is meant to be used only by people who can’t afford to repay their debt. The U.S. bankruptcy code established income limits and financial assets limits in order to make Chapter 7 bankruptcy affordable. These limitations are intended to stop those who have the ability to repay their debt from filing Chapter 7.

If your income is below the state’s median income, you don’t have to file the paperwork for the means testing. The means test is also exempted if your debts are not primarily consumer debt (e.g. mostly medical debt) and if you are a disabled veteran.

You will be required to take the U.S. Means test to determine your monthly income and expenses.

Contact Our Office

To set up an appointment with an experienced bankruptcy lawyer, contact us or call us at 850-385-0342. Bruner Wright’s attorneys are available to meet with you any day of the week. Initial consultations are always free.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

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