Understanding Your Legal Rights

Do I Qualify for Bankruptcy?

Financial Freedom is Possible with My Firm’s Help

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.

Making the Right Choice for Your Finances

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:

  • Your family income level
  • Where you fall within the “means test” calculation
  • Your debt level
  • Your standings with your home mortgage
  • The value of your assets

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.

Call a Gainesville bankruptcy lawyer today!

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 at (352) 379-2828 to see which option will help you the most.

Our Clients Become Our Friends

We truly care for you!
  • “I called Barbara, after having read reviews on Google and Avvo, hoping that she might be a good fit for us....and I was right!”

    PonchDiAnna L.

  • “I highly recommend her services!”

    R. Haidari

  • “I was stressed and worried at first, but I got the caring help I needed every step of the way.”

    Juanita

  • “Barbara's handling of our bankruptcy exceeded our expectations.”

    K. & J.

  • “Barbara Cusumano was very patient with me and told me everything I needed to know about Ch. 13 and then some.”

    C. Tsui

  • “Thanks to her I get to start over financially and I even have assets and my tax refund that I was able to keep from my estate to do so with. ”

    K. Rentz

  • “Barbara put me at ease, and it went so smoothly.”

    Melanie Melton

  • “I had spoken to a few other firms in town and Barbara Cusumano was the easiest to work with.”

    Mr. King

  • “Mrs. Cusumano was excellent.”

    Alexandra E.

  • “She took the stress from my situation off of my shoulders.”

    Chris P.

  • “Barbara Cusumano was with me, next to me and behind me all the way. On behalf of the future I am building, thank you!”

    M. Harris

  • “We called and saw Barbara herself, not an assistant, right away.”

    Paul

  • “Her positive attitude, kindness, and professional courtesy enabled us to complete the process, learn a difficult but valuable lesson, and start rebuilding our lives.”

    Mr. and Mrs. C.

  • “Barbara Cusumano and her staff are awesome. I felt no judgement during the entire process and they guided me along the process and explained everything.”

    AJ T.

  • “I would recommend this company to anyone seeking solutions to any problems which faced me in this difficult time of my life.”

    Greta Hobbs

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