Representing Consumers in Hernando County
At The Day Law Office in Spring Hill, Florida, our goal is to educate you about your options and give you the tools necessary to learn from past mistakes.
Contact our Hernando County, Florida, bankruptcy law attorneys today to schedule a free initial consultation. Are You Eligible to File Bankruptcy?
While bankruptcy laws did change in October 2005, bankruptcy is still an option for many people.
Chapter 7 Bankruptcy
Chapter 7 bankruptcy is a complete discharge of all unsecured debt.
Chapter 13 Bankruptcy
Chapter 13 bankruptcy is a debt reorganization plan for wage earners. A debtor enters into a Chapter 13 plan and pays back a portion of the debt.
Chapter 7 vs. Chapter 13
We can help you evaluate whether Chapter 7 bankruptcy or Chapter 13 bankruptcy would best meet your goals and objectives.
Lien Stripping Second Mortgages
If you have taken out second or even third mortgages against your home, you may be able to strip those liens by filing a Chapter 13 bankruptcy. In many cases, these liens are unsecured and may be classified as such through litigation in a Chapter 13.
Stopping Home Foreclosure
If you are facing home foreclosure, there are bankruptcy and non-bankruptcy ways to stop the foreclosure and save your home.
Stopping Garnishments
If you are facing garnishment of your bank account, wages or property by your creditors, it's important to act quickly if you want to save your property.
Stopping Creditor Harassment
Harassment by creditors is one of the most serious issues affecting people with debt problems. Creditors can make your situation unbearable with endless, harassing calls and abusive treatment. There are laws to protect you. The Fair Debt Collection Act is one to read.
Bankruptcy and Divorce
Bankruptcy and divorce are two of the most difficult experiences you may endure during the course of your lifetime. Moreover, divorce proceedings may affect bankruptcy proceedings, or vice versa. It is important to seek the assistance of an experienced attorney who can help you navigate these difficult times.
Bankruptcy and Your Credit
Like your age, your credit score is just a number. Many people are so worried about their credit score and are not focused on the problem.
Life After Bankruptcy
In many cases, bankruptcy opens the door to a new beginning. No more calls from harassing creditors or garnishment of your wages. With your unpaid debt wiped out, your credit score will also begin to improve, in some cases almost immediately.
Bankruptcy Alternatives
Bankruptcy is not always necessary. Our lawyers will evaluate your situation and explain alternatives that may be available to you.
Free Spring Hill Bankruptcy Attorney Consultation
To schedule a free initial consultation, call us toll free at 888-326-9553 or contact our Spring Hill bankruptcy attorney online. Our law office is located in Spring Hill, Florida, in the center of Hernando County.
"We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code."
