Orlando Bankruptcy Law Firm Representing Individuals and Businesses in Chapter 7, 11 and 13 Bankruptcy Cases
There are many ways to resolve overwhelming debt. Throughout Florida, bankruptcy is by far the most commonly sought solution. Depending on each client’s unique situation, other remedies to serious debt problems are available that can help you avoid bankruptcy.
At the Kramer Law Firm, our bankruptcy attorneys have represented thousands of individual and corporate debtors in and around Orlando to get back on their feet with a financial fresh start.
Our attorneys have expertise in bankruptcy law, foreclosure defense, business law, tax law, probate law and asset protection law. We are also skilled litigators, focused on defending the rights of those who have been victimized by the credit industry.
Kramer Law Firm can guide you through the solution that works best for you. Call us at 855-Kramer-Now (855-572-6376) for a free consultation with an attorney regarding your bankruptcy law or debt relief questions.
Our goal is that you become free from debt through legal measures that will work in your specific case, so you and your family may find genuine financial stability.
How Our Florida Bankruptcy Law Firm Can Help
Personal Bankruptcy: We help individuals determine whether filing a personal bankruptcy is the proper action, and if so, whether to file a Chapter 7 or Chapter 13 bankruptcy.
- Chapter 7 Bankruptcy: Chapter 7 involves the liquidation of assets and the use of proceeds to pay creditors. Certain unsecured debts (such as credit card debt) are then discharged to result in significantly reduced debt. There is no repayment plan and you are able to start over with a clean slate. To qualify, you must pass the Florida bankruptcy Means Test.
- Chapter 13 Bankruptcy: Chapter 13 bankruptcy can be a good solution for individuals with enough income to make monthly payments toward debts. Your debts are restructured into one consolidated payment which may last for three to five years.
Chapter 11 Bankruptcy: Our bankruptcy law firm handles commercial bankruptcies for small business owners, corporations, partnerships and LLCs. Our accomplished attorneys are able to take on any bankruptcy-related litigation.
Credit Card Lawsuits: If a credit card company is suing you for unpaid debt, we will review your debt and personal financial situation and help you determine whether bankruptcy would be effective for stopping the lawsuit. Our attorneys have many ways to address credit card lawsuits, including defending lawsuits and workouts to fight the lawsuit.
Wage Garnishments: Under Florida bankruptcy law, Chapter 7 or Chapter 13 bankruptcy filings immediately end most wage garnishments. Our attorneys also defend against garnishments without filing for bankruptcy.
Bankruptcy Exemptions: Under Florida bankruptcy law, certain assets such as homesteads, insurance, pensions and other assets are exempt from bankruptcy loss. Our bankruptcy attorneys can help you maximize these exemptions to keep creditors from taking possession of these assets.
Alternatives to Bankruptcy
Debt Settlement: We help clients settle debt for substantially less than what is owed through measures such as negotiation with creditors to accept a reduced amount of the total debt balance. Our skilled and resourceful attorneys examine all Florida debt settlement and debt relief options, and understand bankruptcy law from a creditor’s perspective.
Loan and Mortgage Modification: We can negotiate with your bank or lender to modify a loan or mortgage to reduce your payments, keeping you in your home and avoiding bankruptcy.
Mortgage and Home Loan Workouts: We can work to arrange new terms to your mortgage, arrange a forbearance, or work out other agreements with your lender that are advantageous to you.
Short Sales and Deeds in Lieu: Our attorneys can negotiate with your lender to allow you to sell your property for less than owed on the mortgage without a deficiency judgment. Alternatively, we can negotiate the transfer of the deed to the property in lieu of a foreclosure proceeding, as a way to satisfy a loan that is in default.
The Purpose of Bankruptcy Law
The U.S. Bankruptcy Code, created by the U.S. Congress, is intended to help individuals and corporations get a fresh start. The respected bankruptcy lawyers at the Kramer Law firm will give you straightforward advice about your situation and guide you through every step of the process.
Our Florida bankruptcy law firm will meet with you initially as a courtesy (no charge) to assess your unique situation. We know that people face many different and troubling financial situations. The only way to genuinely assist you is to offer a varied set of powerful options with which to eliminate your debt once and for all. Above all else, the services we provide are delivered with care and compassion.
Contact an Orlando bankruptcy lawyer today at Kramer Law Firm to see exactly how we can help: 855-Kramer-Now (855-572-6376).
For more information, please visit our library of short videos on Florida bankruptcy and debt relief by attorney Steven Kramer.