Melbourne Bankruptcy and Foreclosure Attorney / Foreclosure Attorney in
Bankruptcy Lawyers and Foreclosure Attorney, Melbourne FL, Palm Bay FL,
Cocoa FL and Titusville FL.
If you are overwhelmed by debt or are being harrased by your creditors,
contact ourFlorida Bankruptcy Attorney for a free consulttion. If your bank is threatening you with a foreclosure
in Melbourne or Palm Bay Florida, contact our
Melbourne Florida Foreclosure Attorney to determine what options you have to save your home. Bowin Law Group's
managing Attorney, Beau Bowin, has been nominated by his peers as a
Rising Star in Florida Super Lawyers Magazine for 2010, 2011, 2013 and 2014, a preeminent national attorney ranking
published by Thomson Reuters. The Rising Stars designation is an honor
reserved for only 2% of practicing attorneys in the nation. Attorney Bowin
is the only bankruptcy and foreclosure attorney in Melbourne, FL and all
of Brevard County to earn such a distinction. Attorney Bowin also received a
10 out of 10 rating by AVVO, which is one of the largest online legal directories in the nation. Attorney
Bowin accepts foreclosure cases throughout Brevard County, including West
Palm Bay, Cocoa,
Merritt Island, Titusville, FL and the beaches.
We can offer you experienced legal representation and advice in the following areas:
CAN beat the banks in foreclosure court and save your home.Our foreclosure attorney has had great success in defeating the banks and
stopping the foreclosure of our clients' homes (unlike other foreclosure
attorneys who only seek to settle with the least amount of work). Winning
a foreclosure case takes specialized knowledge of the mortgage banking
system and the applicable foreclosure laws in the state of Florida. Winning
a foreclosure case also requires a working knowledge and understanding
of the foreclosure judges you will be appearing in front of. Each foreclosure
judge is different, and so must your defense change depending on your
judge. Unless your attorney specializes in foreclosure defense in Brevard
County, your attorney will not have this critical knowledge. It's
imperative that you contact a foreclosure defense attorney to defend your
In your initial consult, we will review your case to determine if and how
we can win your case. Our foreclosure attorney is ready to fight your
foreclosure case, at trial if necessary, and do whatever is possible to
save your home. In some cases, the banks offer our clients a modification
of their mortgage. In other cases, our clients would rather leave the
home and wipe their debt clean with the bank. If neither of those two
options is available or desirable, we are ready to fight the banks all
the way through trial. Best of all, if we win your case, the bank will
likely have to pay your legal fees.
If you are not concerned with keeping your home, but prefer to vacate your
home free and clear of your financial obligations to the bank, we have
options for that as well, including
strategic default and deed-in-lieu of foreclosure. We offer free consultations to all Brevard
Stop your home foreclosure through foreclosure defense or bankruptcy. 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.
You need an attorney knowledgable in both bankruptcy and foreclosure defense
to help you determine which option is best for you. 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.
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
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
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!