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Are you struggling beneath the weight of overwhelming debt? Maybe you just went through a divorce, job loss, or medical emergency. Perhaps your salary was unexpectedly reduced, or you were forced to take time off from work because of a personal matter. You may feel daunted and scared as you consider debt relief options such as Chapter 7 bankruptcy for the first time. You should know that you are not alone.
My name is Barbara Cusumano, Attorney at Law and I am a Gainesville bankruptcy lawyer. Every day, I meet honest, hardworking men and women just like you who face insurmountable financial difficulties. I understand what you're going through and I'm here to help! At our first meeting at one of my North Florida offices, we can discuss your current financial situation and explore the options available to you.
Call (352) 397-2828 to today request your free, confidential consultation!
If your disposable income is too low to repay your debt, you may be eligible to file for Chapter 7 bankruptcy. Also known as straight or liquidation bankruptcy, Chapter 7 allows you to eliminate unsecured debts including garnishments, credit card debt, medical bills, and repossessions. The whole process usually takes about three months. I am able to help many of my clients keep their homes and assets when they file under Chapter 7. This federal debt relief option offers a total fresh start for people who have fallen on financial hard times.
In order to qualify for Chapter 7, you will need to pass the Chapter 7 qualifying means test. Congress designed this formula in order to limit liquidation bankruptcy to people with legitimate need — preventing those who can pay back their loans from discharging their debts. The means test is a simple calculation that compares your average monthly income earned over the last six months to your average allowed expenses. The remainder is your "disposable income." If this amount is too high to qualify for Chapter 7 bankruptcy, you might still qualify to discharge some debts, and pay back others in manageable payments by filing for Chapter 13 bankruptcy.
If you have questions about Chapter 7 and your eligibility, please do not hesitate to contact my office. I truly enjoy helping my clients resolve their debt issues. Over the course of years in practice, I have walked thousands of Florida residents through the bankruptcy process, discharging a total of tens of millions of dollars. I can show you how to achieve a financial fresh start.
Call my Florida bankruptcy firm today to set up your first appointment! I offer a free and confidential case review.