Melbourne Florida Foreclosure Attorneys / Bankruptcy Attorneys in Melbourne Florida
Bankruptcy Lawyers and Foreclosure Defense Lawyers in Melbourne, Palm Bay, Cocoa and Titusville, Florida
If your bank is threatening you with a foreclosure, contact our Melbourne, Florida Foreclosure Attorney to determine what options you have to save your home. Or if you prefer to vacate your home free and clear of your financial obligations to the bank, we have options for that as well. We offer free consultations to all Brevard County Residents. If you live in Melbourne or Palm Bay, Florida and are being harassed by creditors, your wages are being garnished, or you are considering bankruptcy, call us today to speak directly with a
Melbourne Florida Bankruptcy Attorney to discuss whether a bankruptcy is right for you and your family.
We can offer you experienced legal representation and advice in the following areas:
Stop your home foreclosure. Is the bank sending you threatening foreclosure letters? Were you served with a foreclosure summons? If so, call Bowin Law Group, Brevard's Hometown Bankruptcy and Foreclosure Defense Law Firm. If you are faced with a foreclosure on your home mortgage, you have options that may allow you to stay in your home even if you are behind on your payments. Sometimes your best option is a Chapter 13 bankruptcy. Sometimes you are better off fighting the foreclosure without filing bankruptcy.
The bankruptcy attorney at the Bowin Law Group is experienced in foreclosure defense , both in and out of bankruptcy court, and will give you candid, honest advice regarding the option that is best for you and your family. The worst thing to do when faced with foreclosure is nothing. Time is critical to saving your home.
If your lender is threatening to foreclose, or your credit card companies and debt collectors are harassing you and your family, contact us immediately to speak with a Melbourne foreclosure defense and bankruptcy lawyer. Your home is your most precious asset. The Bowin Law Group and its experienced attorneys will help you protect it. We may be able to even recover money from your lender.
What can bankruptcy do for you?
The Automatic Stay: By filing a bankruptcy petition, you get the immediate protection of the Bankruptcy Code's
Automatic Stay, which prevents a creditor from taking
any action to collect a debt from a bankruptcy debtor. The imposition of the Automatic Stay is a powerful and dramatic legal remedy you have to stop creditor harassment or creditors' attempts to collect debts. The Automatic Stay takes effect the instant the bankruptcy petition is filed, and from that moment the debtor's property is placed under the protection of the Bankruptcy Court. Creditors that attempt to collect a debt after the petition is filed are subject to sanctions by the Bankruptcy Court.
Some of the actions creditors and debt collectors are prohibited from taking once the petition is filed include:
- Any act to collect or recover a claim against you that arose before the bankruptcy case was filed;
- The continuation of a civil law suit against you by which the creditor seeks to recover money from you (i.e. suits to collect credit card debts or to garnish your bank accounts or wages);
- Any foreclosure actions; and
- Any actions to repossess your cars or other automobiles and personal property.
Once you file your petition, creditors and debt collectors are not allowed to contact you, either by mail, by phone, in person or through any third parties. If a creditor reports a debt to a credit bureau with an intent to coerce you into paying that debt, the creditor may be subject to monetary sanctions by the Bankruptcy Court, which are payable to you.
To get more information on the effect of the Automatic Stay, contact a Melbourne-Palm Bay-Cocoa Beach area Bankruptcy Attorney at the Bowin Law Group.
Discharge of Debts: The ultimate goal of filing a bankruptcy petition is to receive a discharge of your debts. A bankruptcy discharge frees a debtor from personal liability on almost all civil debts. The bankruptcy discharge is the mechanism by which debtors are provided a "fresh start."
In a chapter 7 bankruptcy, the method of obtaining a bankruptcy discharge is pretty straight forward. Absent extraordinary circumstances, the Bankruptcy Court usually enters a discharge order within 90 - 120 days after the bankruptcy case is filed. In a chapter 13 bankruptcy, the debtor will likely not receive a discharge for 3-5 years.
An experienced bankruptcy attorney in the Melbourne-Palm Bay-Cocoa Beach area can help you obtain a bankruptcy discharge with as little difficulty as possible. To speak with a bankruptcy attorney today, call the Bowin Law Group or fill out a Free Case Evaluation form and someone from our office will contact you to discuss your situation.
What debt relief options do you have if bankruptcy isn't right for you?
If bankruptcy isn't a good option for you, either because you make too much money and don't qualify for Chapter 7, or because you will lose a lot of property you have worked hard to accumulate, there may be other debt relief solutions for you. One option is to hire an experienced Melbourne debt relief attorney to negotiate a debt reduction with your credit card companies, debt collectors and other creditors. Although the relief you get by negotiating a debt reduction may not be as comprehensive as a bankruptcy discharge, it may be enough to allow you to pay your debts and provide you the peace of mind you are looking for. If you would like to speak with a debt relief lawyer in the Melbourne-Palm Bay-Cocoa Beach area, call the Bowin Law Group to schedule a Free Consultation to discuss your options.
Legal services you can afford. The Bowin Law Group is sensitive to your family's financial challenges. That is why we offer reasonable fees and affordable payment plan options to our clients. With our attorneys on your side, your family will receive the highest caliber representation at a price you and your family can afford.
Contact us today for a free office consultation with a bankruptcy and foreclosure defense lawyer in Melbourne, Florida. Or, just fill out our Free Case Evaluation form and someone from our office will contact you to discuss your legal options.
The Bowin Law Group proudly serves many areas in Florida, including Viera,
Cocoa Beach, Cape Canaveral, Port Saint John, Titusville,
Merritt Island and
Port Saint John.
Contact the Bowin Law Group to speak with a Melbourne, FL bankruptcy and foreclosure defense attorney today!