Discuss Debt Relief With An Experienced Orlando Bankruptcy Lawyer
If you are deep in debt and constantly harassed by creditors, you may feel overwhelmed and hopeless. Bankruptcy can lift a great weight off your shoulders and give you a new start. But bankruptcy does have drawbacks, including consequences that may linger for years.
At Badgley Law Group, we can help you explore bankruptcy for true and lasting relief from debts and creditor harassment. We can also pursue other remedies short of bankruptcy, such as direct negotiations with your creditors or lenders to repay debts or modify the terms of your loan. We have enabled clients in Orlando and throughout central Florida to get their lives back on track through Chapter 7 or Chapter 13 bankruptcy.
Take advantage of a free bankruptcy consultation. Call us at 407-686-1819 to make an appointment with our experienced lawyer.
Debt Freedom Through Chapter 7 Or Chapter 13 Bankruptcy
Bankruptcy can offer immediate and long-term benefits, including:
- Eliminating unsecured debts
- Establishing repayment of debts over time without penalties and interest
- Ending harassment from debt collectors
- Saving your home from foreclosure
- Stopping wage garnishment and vehicle repossession
- Protecting your retirement savings
Many of our clients qualify to walk away from thousands of dollars in debts under Chapter 7 discharge bankruptcy. Eligibility depends on your income and the nature of your debts.
If you are able to pay some of your debts but you are falling farther behind on house or car payments, you may be a candidate for a Chapter 13 repayment bankruptcy. Through a monthly payment plan, you can get caught up over time while getting immediate relief from creditor actions.
- See our Frequently Asked Questions page for more information and a list of common Bankruptcy terminology to better understand your options.
Take Action To Protect Your Assets
Bankruptcy is not the only means of being protected from credit collections. However, in instances where bankruptcy is the best path, it is crucial that you move with speed. Some legal rights will be in jeopardy the longer you wait. One example is asset repossession or a home foreclosure. A bankruptcy filing can prevent these from happening, but only before the sale has been completed. Once the confiscated asset is sold, the debtor loses their legal interest in it and cannot reverse the process. The caveat is that recent purchases will not qualify for bankruptcy protection, so you cannot go on a spending spree in anticipation of filing bankruptcy. Our attorneys will explain bankruptcy law and the bankruptcy process, including any assets that you might have to forfeit in exchange for eliminating debts.
Alternatives To Bankruptcy
Not everyone with debt problems needs or wants to file bankruptcy. We can explore other remedies, such as a loan workout or loan modification program to rework the terms of your home mortgage. We can negotiate with your credit card companies, medical providers and other creditors to settle your debts for part of what you owe to avoid collection actions, garnishment, liens and the black marks on your credit score. Debt consolidation can also be a solution, but there are many unscrupulous companies that will charge big fees without shrinking your debt. Whatever the solution is – be it bankruptcy or an alternative – you can trust that we have your best interests in mind at Badgley Law Group.
Remember, creditors do not have a blank check in their quest to collect their debts from you. State law (Florida Consumer Collection Practices Act) and federal law (Fair Debt Collection Practices Act) provide clear guidelines on what creditors can and cannot do even before you file bankruptcy. Actions that fail to adhere to these acts are illegal and you should approach Badgley Law Group for assistance.
Qualified And Committed Legal Help
Jeffrey Badgley has practiced law for 35 years and represented thousands of individuals and couples on the path to debt relief. At Badgley Law Group, we have won several major victories in bankruptcy court and have distinguished ourselves in our singular pursuit of our clients’ interests. We have helped families break the shackles of debt, cut monthly debt payments by hundreds of dollars, rescue their homes, keep their cars and start new lives on confident footing.
Get Started With A Free Consultation
Nothing legally prevents you from representing yourself in a bankruptcy proceeding, but it is a complex process with many rules and restrictions. A few wrong moves and you could emerge from bankruptcy in a much worse state than you had anticipated.
It is therefore important to consult with an affordable bankruptcy lawyer who can determine if the filing is a good idea, what chapter to file under, how to leverage exemption provisions and what protections bankruptcy will provide. You need a trained and objective eye to take a look at your assets, liabilities, income and expenses to file your petition properly.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.