There may be various alternatives for debt relief; Florida bankruptcy stands out as an effective solution if you cannot meet your daily expenses. Filing bankruptcy Chapter 7 Florida has proven very popular among those who need relief quickly; Chapter 7 will assist your start over in several months if your financial affairs include medical and/or credit card bills.
In a Hurry? Dial +18-503-850-342 Now!Gather Your Florida Bankruptcy Forms
Under Florida bankruptcy laws, certain forms must be completed after filing with both the court and trustee in your bankruptcy case. Whether representing yourself or hiring an attorney is irrelevant.
Your most recent 60 pay stubs can be obtained on the back of each check and the latest bank statement must also be filed along with bankruptcy papers, regardless of the filing date. Any additional documents relevant to preparing bankruptcy papers such as 6-12 month bank statements could also be filed voluntarily and is recommended to complete the bankruptcy filing process faster and ensure completeness.
Every consumer credit reporting agency must offer free reports every year to their members. And may access these reports at no charge and should take note if any statements and bills arrive from third parties such as debt collection agencies that come their way. In these situations, it would be wise to seek professional credit counseling services as soon as possible to prevent problems down the road from surfacing again.
Taking Credit Counseling
Florida bankruptcy laws mandate taking a credit counseling course before declaring bankruptcy, with 180 days from when you claim for it is sufficient time for completion. You may take this test online for $10 or even request an exemption.
The course must be provided by an agency certified to operate in Florida. When filing your case, bring along all relevant paperwork including your Certificate from this course as proof.
Once you have all of the required information, complete and submit bankruptcy forms as federal forms are universal. When filing individually through USCOURTS.gov you can find fill-in PDF versions at no charge to expedite filings.
In a Hurry? Dial +18-503-850-342 Now!Fill out the bankruptcy forms
Lawyers assisting their clients will require information about your finances, such as income, expenses, and debts to complete forms for them to file through our up-solve filing software and then complete a survey after filing them off.
Forms can be automatically generated based on input provided during our survey.
In Florida, only attorneys can file bankruptcy cases online. Pro se filers must submit forms by mail or deliver them in person to the bankruptcy court. It may be beneficial if filing personally is possible if the courthouse is within several miles and errors appear quickly corrected through inquiry with the clerk.
Attend Your 341 Meeting
A 341 meeting, also referred to as a creditors’ meeting, usually occurs one or two months after filing bankruptcy and can take place either online or physically; details for either type will be communicated directly through email.
But even though your meeting may be called a creditors’ meeting, don’t expect your creditors to attend; most usually won’t show.
Filers under bankruptcy Chapter 7 Florida typically claim an exemption for their personal belongings, making filing sessions shorter than 10 minutes long and never losing anything by being honest when filling out your papers and watching our video which guides you through all questions that might be put before them by trustees or bankruptcy judges. Following your session, discharge will typically come within 60-90 working days of signing them off on documents submitted online by our website.
Florida Bankruptcy Exemptions
The exemption under bankruptcy chapter 7 Florida, filers can retain personal belongings such as furniture in the home and real property such as real estate that has cash value – saving filers of bankruptcy from having to start over by losing all their belongings – most Chapter 7 filers typically keep all their property.
Florida residents who have lived here for two years prior to filing bankruptcy must use state exemptions rather than federal ones when filing. Florida bankruptcy law offers unlimited homestead exemptions which make Florida bankruptcy filing much simpler if your equity in a home is high; you’re covered regardless. Alimony and child support payments also fall within this coverage.
Florida Bankruptcy Lawyer Fee
In general, Florida bankruptcy lawyers charge their services at a flat fee that ranges between $999 to $1500 depending on the complexity of your case. While Chapter 7 filing can often be done independently without legal assistance needed if no non-exempt properties exist (i.e. vehicles and houses that would need retaining), attorneys are sometimes needed to help keep property out of Chapter 7. If any non-exempt assets do arise that would prevent their sale under exempt rules (e.g. vehicle loans and secured debt), or substantial secured loans remain outstanding, legal assistance might be required in filing bankruptcy Chapter 7 Florida.
Bottom Line!
Florida bankruptcy law offers an effective solution if your debt burden has become overwhelming. Bankruptcy Chapter 7 Florida will enable you to start over quickly by clearing away medical, credit card, and other unsecured debts quickly and painlessly.
Bruner Wright PA offers guidance through each stage of bankruptcy filing–from gathering forms and attending 341 meetings to qualifying for maximum exemptions while protecting assets and finding debt relief. Our knowledgeable attorneys ensure maximum exemptions can be claimed and assets protected while meeting debt relief goals.
No longer let financial stress get in the way of reaching your full potential! Reach out to us now to schedule a consultation and start moving toward debt freedom!
Bruner Wright P.A can guide you through this complex process and assist in developing an optimal strategy suited to your unique financial circumstances. Contact Bruner Wright now for a consultation and take the first steps toward financial freedom!
In a Hurry? Dial +18-503-850-342 Now!