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Melbourne, FL Bankruptcy Attorney

Florida Debt Relief Attorney

Bankruptcy is a federal court proceeding by which a debtor seeks relief from creditors pursuant to the United States Bankruptcy Code. The proceeding starts when a debtor files a bankruptcy petition with the Bankruptcy Court in the debtor’s jurisdiction. All Brevard County Bankruptcy petitions are filed in the Orlando Bankruptcy Court.

What Relief does Bankruptcy Provide?
For consumers, there are two alternative types of bankruptcy relief. The most common type of bankruptcy for individuals is a Chapter 7 bankruptcy. The other type of bankruptcy relief available to a consumer debtor is Chapter 13.

What is Chapter 7 bankruptcy?
Chapter 7 bankruptcy will result in a great many of your debts entirely eliminated.  The bankruptcy courts will require that you sell some of your assets in order to pay off as much of your debt as possible.  It is, however, important to remember that there are several bankruptcy exemptions that will allow you to keep such asset as your home and your car.  A Melbourne debt relief attorney at the Bowin Law Group will be able to answer your questions if you are concerned about your assets.

What is Chapter 13 bankruptcy?
Chapter 13 bankruptcy differs from Chapter 7 in that you will be required to pay some of your bills after you have declared.  This repayment plan is specifically tailored to your needs, your income and your unique situation.  This type of bankruptcy could be the right choice for you if you make enough money to cover your day-to-day expenses yet find it impossible to pay your debts down.

What is the Purpose of Bankruptcy?
The main purpose of a bankruptcy is to provide the debtor with a “fresh start.” The term “fresh start” encompasses the Bankruptcy Code’s goal of allowing debtors to free themselves from debts which are weighing the debtor down, and allowing the debtor to re-establish a productive life unimpaired by past financial problems.

Who may file Bankruptcy?
Any person or business residing, domiciled, or having property or a place of business in the United States may file a Chapter 7 Bankruptcy. Despite popular belief, there is no requirement that the debtor actually be insolvent. If you are considering hiring a bankruptcy attorney in the Melbourne-Palm Bay-Cocoa Beach area, contact the Bowin Law Group to schedule your Free Consultation.

What debts are discharged in Bankruptcy?
A bankruptcy will discharge almost all debts except certain taxes, domestic support obligations, most fines owed to governmental agencies, and student loans.

Will debt collectors stop harassing me after I file for bankruptcy?
Debt collectors are required by law to cease communicating with you regarding your debts once you have declared bankruptcy.  A relief to the harassing letters, calls and other forms of contact is possible. 

Will I still be responsible for any debts after declaring bankruptcy?
There are some debts that you cannot discharge when filling for bankruptcy, including alimony (also known as spousal support), child support and federal tax debts. 

Which areas can the Bowin Law Group help me with?

Contact a Bankruptcy Lawyer in Melbourne, FL at the Bowin Law Group today to discuss debt relief.

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