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The decision to file for bankruptcy can be a difficult one, but know that you are not alone. Over a million Americans file for bankruptcy protection each year and obtain the relief they desperately need. At Barbara Cusumano, Attorney at Law, I am here to help you make the best possible decision for your unique circumstances.
There is no shame is seeking legal options to manage and discharge debt that you are unable to pay. Thus, it becomes necessary to determine which type of bankruptcy best suits your current needs and give you the financial fresh start you deserve? Call me, an experienced Gainesville bankruptcy lawyer, to assist you now.
The two most common types of bankruptcy are Chapter 7 and Chapter 13. Each one has unique requirements and can achieve a different outcome based on the individual who is filing. The chapter you choose to file for depends on several factors, including:
If you earn less than the average family of your size in the Florida, you may qualify for Chapter 7 bankruptcy. The qualifying test is called the "means test." I am extremely proficient with the legal nuances in qualifying clients under this test. Chapter 7 bankruptcy has many benefits, including discharging your debt in as little as three months. Over the years, most of my clients have kept everything they own and successfully discharged their unsecured debt.
Chapter 13 bankruptcy has benefits, as well. If you are behind on your mortgage payments, Chapter 13 bankruptcy stops all legal action against you and allows you to catch up on your payments over a period of time. It also allows you to consolidate your unsecured debt into a more manageable monthly payment. Chapter 13 bankruptcy is also very helpful for clients with higher income and/or outstanding tax obligations.
The outcome of your bankruptcy filing depends on your current financial circumstances. I will do my very best to steer you in the best direction to meet your needs. At Barbara Cusumano, Attorney at Law, I will sit down with you, listen to your financial situation, and describe your various legal options in clear, understandable English – no legalese – I promise!
Call me at my Florida bankruptcy law office to see which option will help you the most.