Get A Fresh Start From Your Debts

What would each morning be like waking up free from the debt you can’t repay? No more juggling monthly bills. No more worrying about keeping a roof over your head. No more harassing collection calls and threatening letters. You have legal options and rights through filing for Chapter 7 bankruptcy.

We are the fresh start bankruptcy law firm of The Day Law Office in Spring Hill, Florida. Our goal is to educate you about your options in the U.S. Bankruptcy Court and help you avoid future problems with debt. We understand how important bankruptcy can be to finding your fresh start. We will work tirelessly to help you take the next steps into a debt-free future.

Questions about a bankruptcy-related matter in Florida? Read our bankruptcy FAQ page for answers.

We Want To Help

At The Day Law Office, we work hard to help you make a fresh financial start. Everyone deserves to live without overwhelming debt and constant harassment and threats from creditors. There is a way out. And bankruptcy is nothing to be ashamed of: It is a legal right provided to you under the law and millions of people just like you have availed themselves of the protections it affords. The only shame is waiting too long to explore your options for making a fresh start.

Our debt relief services include:

• Eliminating debt through Chapter 7 bankruptcy
• Preventing foreclosure
• Reducing your house payment by stripping off a second mortgage
• Stopping creditor harassment and legal action such as wage garnishment
• Alternative options other than bankruptcy
• Your bankruptcy options before filing for divorce

Chapter 7 bankruptcy allows you to wipe out much of your debt, providing immediate relief from creditors and debt collectors. When you meet with us, we will review your circumstances and discuss all your options so that you can make a confident and educated decision moving forward.

Which Debts Aren’t Discharged After Filing For Bankruptcy?

While Chapter 7 bankruptcy offers a fresh start by eliminating a significant portion of your debt, it’s important to understand that not all debts can be discharged. Some of the debts that are typically not discharged in a Chapter 7 bankruptcy include:

• Student loans: Student loans are one of the most common types of debt that individuals seek relief from, but they are notoriously difficult to discharge. Courts often require proof that repaying the loans would cause you and your dependents to live in poverty for a significant portion of the repayment period.
• Child support and alimony: Debts related to child support and alimony are considered priority debts and cannot be discharged through bankruptcy. These obligations are designed to help ensure the financial welfare of children and former spouses and are therefore protected.
• Taxes: Certain tax debts are nondischargeable in Chapter 7 bankruptcy. Recent property taxes and income taxes for the past few years usually cannot be discharged. However, older tax debts might be eligible for discharge if specific conditions are met, such as the taxes being due more than three years ago and you have filed a return for them.
• Debts incurred through fraud: If a debt was incurred through fraudulent activities, it would not be discharged in bankruptcy. This includes any debts for money, property, services or credit obtained by false pretenses or false representations. Creditors must prove the fraud to have these debts declared nondischargeable.
• Debts from personal injury caused by DUI: Any debts arising from personal injury or wrongful death caused by driving under the influence of drugs or alcohol are not dischargeable. This is to get individuals held accountable for their actions and provide compensation to the victims of such incidents.
• Fines and penalties owed to government agencies: Fines, penalties and restitution owed to governmental agencies are typically nondischargeable. This includes traffic tickets, criminal fines and other penalties that arise from violating the law.
• Certain homeowners association (HOA) fees: If you own a property with HOA fees, any fees assessed after you file for bankruptcy may not be dischargeable. These are ongoing obligations tied to property ownership.

Understanding these exceptions is crucial as it helps you prepare for the financial responsibilities you will continue to face post-bankruptcy.

Contact Us To Explore Your Options

Instead of worrying and losing sleep, call The Day Law Office today for a consultation with a skilled bankruptcy law attorney. Our lead bankruptcy attorney, Sandra Day, has over 25 years of legal experience helping clients make a fresh start through bankruptcy. We understand how overwhelming the bankruptcy process can be. At The Day Law Office, we will provide you with the personal attention and compassion you deserve while providing high-caliber bankruptcy representation.

Call us at 352-200-2382 or use the email contact form to schedule a free initial consultation with us as soon as possible.

*We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.