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Don't fall for the myths and misconceptions about bankruptcy! While this federal form of debt relief may seem daunting, bankruptcy is actually a viable option that has helped millions of Americans recover from tough financial situations. Everyone deserves a second chance, especially in an economy where interest rates are as high as 29.99 percent and many people are struggling just to keep their heads above water.
My name is Barbara Cusumano, and as a Gainesville bankruptcy lawyer, I have been honored to help thousands of men and women just like you to achieve renewed stability and peace of mind in the wake of unexpected financial hardship and insurmountable debt. The following are answers to some of the most common questions I have received about bankruptcy in my 21 years of practice.
If I file Chapter 7 bankruptcy, will I lose all my assets?
Not necessarily. Many people mistakenly believe that straight or liquidation bankruptcy requires forfeiture of the filer's sum assets, but in reality, many people who file under Chapter 7 are able to keep most — if not all — of their property. I am usually able to help my clients protect their homes and belongings when filing for Chapter 7 bankruptcy. Call me today to set up an appointment at my Gainesville or Lake City offices. I can go over your assets and give you a good idea of what to expect should you decide to file.
Can bankruptcy help end the harassing creditor calls?
Yes. Filing for bankruptcy puts an immediate freeze on debt collection methods such as wage garnishment. In addition, your creditors are immediately prohibited from any form of communication with you.
Will someone come survey and search my house?
This typically does not happen, especially if you are honest and thorough in revealing your assets and other information requested by your attorney and the bankruptcy court. It is important that you hire a lawyer who will ask you the right questions and take the time to help you fill out your bankruptcy petition completely. This is something I am committed to doing in order to make the bankruptcy process as smooth as possible for you and to protect you from any unwanted visits.
Can filing for bankruptcy save my home from foreclosure?
Yes, Chapter 13 bankruptcy can be used as an effective method of foreclosure defense. If filed prior to the date of sale, a Chapter 13 bankruptcy will freeze the foreclosure and allow you to structure a repayment plan, enabling you to pay off your mortgage in manageable installments over a period of three to five years.
Will filing for bankruptcy permanently destroy my credit?
Absolutely not! In fact, by following my guidelines, my clients are usually able to see their credit scores improve after filing. Many even achieve the best score they have ever had by listening to my instructions and taking careful steps to rebuild their credit.
How much will I pay to file for bankruptcy?
For a Chapter 7 bankruptcy, you will pay the court a flat filing fee of $306. I work hard to keep my fees low and reasonable, and for a Chapter 7 bankruptcy, this means your bill will be somewhere between $1,200 and $2,000. In a Chapter 13 bankruptcy case, the average cost is $3,500 in addition to the court filing fee, which is $281. Attorney fees vary depending on your particular case. Contact my office to learn more about fees for your case. At Barbara Cusumano, Attorney at Law, I offer viable payment plans to qualifying clients.
But I feel guilty about filing! What should I do?
Don't beat yourself up over filing for bankruptcy. Many of the men and women who come to me are hardworking individuals who express that they feel ashamed and embarrassed about the prospect of filing for bankruptcy. No one should feel this way! Everyone goes through financial hard times — particularly with interest rates as high as 29.99 percent. Don't let misconceptions about bankruptcy stop you from obtaining the second chance you need. I am here to help you rebuild your finances and achieve renewed stability, security, and independence!
No matter what your situation looks like, I understand the laws that affect your financial situation and I am prepared to help you. Over the course of my years in practice in Florida, I have been able to discharge tens of millions of dollars in debt on behalf of my clients. With each new case I accept, I work hard to ensure that my clients are able to achieve freedom and stability through the debt relief solution that is right for them.
Take a step toward a better future — call Barbara Cusumano, Attorney at Law to schedule your confidential appointment. The road to financial freedom starts today!