The Advantages of Filing Chapter 7 Bankruptcy in Florida

Filing for Chapter 7 bankruptcy has changed with the new bankruptcy law enacted by Congress in 2005. It is not available for everyone, but if you qualify it could be the solution you need to finally get out of debt. If you have declared bankruptcy before, within the past eight years, you will not be eligible for Chapter 7 personal bankruptcy and will need to look at filing Chapter 13 bankruptcy.

Chapter 7 is sometimes called “fresh start” bankruptcy because it can relieve you completely of some kinds of debt (such as credit card debts and medical bills) and temporarily stop foreclosure. You will need to co-operate with a Trustee assigned by the court and, in most cases, attend only one hearing.

Florida bankruptcy lawyer James Schwitalla works closely with every client, providing sound legal advice that helps clients save their assets while discharging their debts.

Contact the Kendall bankruptcy law office of James Schwitalla. We’re conveniently located just off the Florida Turnpike, easily accessible from all parts of South Florida and the Florida Keys.

Chapter 7 Results

Larry and Maria were married with two children and owned a home when Larry lost his job and Maria became seriously ill. Their income dropped significantly. Although Larry recieved unemployment, it did not cover expenses for a family of four and they had to rely on credit cards. By the time Larry found work, one of their cars had been repossessed, they were behind on all their payments, and had run up high credit card debt. They couldn’t pay Maria’s medical bills. Creditors harassed them on the phone, sued them, and even placed liens against their home.

That’s when they came to see Miami personal bankruptcy attorney James Schwitalla. By helping the couple file for Florida Chapter 7 bankruptcy, our legal team was able to wipe out all of their debts and remove the liens against their home. Without the burden of credit card debt, medical bills and the barrage of creditor harassment, Larry and Maria were able to pay their mortgage, remaining car loan, and basic living expenses. Peace returned to their lives.*

*Actual results obtained for a client in a Chapter 7 bankruptcy case handled by Mr. Schwitalla and his staff. The names of the clients have been changed to protect their privacy.