"We are Small Enough That We Can Relate to the
Individual Client on a Personal Basis"

Type of Cases Our Firm Handle:
Bankruptcy Ch. 13 & Ch. 7, Divorce, and Family Law

We Think You Should Hire Us If:
You Want an Experienced, Honest, Dedicated Orlando Attorney in Helping You Get Good Results and Competitive Prices - You See the Attorney and He Goes to Court With You.

Our Firm Is Not Right for You If:
A Firm That Just Wants to Run You Through a Mill

If You Want to Tell Our Law Firm About Your Situation You Should:
Call or Email Us - We Answer All Inquiries

Our Clients Will Tell You:
We Are Knowledgeable, Considerate, and Spend Time with You - We Care

Our Philosophy on How We Approach Our Cases Is:
With Authority, Confidence, and Empathy

Mission Statement:
Ensure Our Clients Receive Experienced, Prompt, and Complete Representation - Take it to the Max.

ORLANDO FLORIDA & BREVARD COUNTY CHAPTER 7 BANKRUPTCY

The mandate for modern bankruptcy is rooted in scripture: 1 "At the end of every seven years you shall grant a release of debts. 2 And this is the form of the release: Every creditor who has lent anything to his neighbor shall release it; he shall not require it of this neighbor or his brother, because it is called the LORD's realease." Deuteronomy 15 (NKJV).

The Bankruptcy Code is designed to provide relief to people and businesses in financial distress. Although bankruptcy can benefit some people, a person cannot obtain these benefits without assuming certain duties. If after considering the benefits and burdens associated with bankruptcy you want to obtain the relief provided by the Bankruptcy Code, you must file a petition and a list of all your debts and your property, together with the appropriate filing fee, with the Federal Bankruptcy Court. These lists of debts and property must be prepared on forms approved by the court. It is very important that these lists of debts and property are accurate and complete in all respects. You may file either an individual bankruptcy petition or a joint bankruptcy petition with your spouse.

There are four types of bankruptcies available to individuals in Orlando: a Chapter 7 liquidation, a Chapter 11 reorganization, a Chapter 12 adjustment of debts for family farmers only, and a Chapter 13 adjustment of debts.

A Chapter 13 adjustment of debts enables an individual with regular income to propose in good faith to pay all or part of his or her debts from future income over a period of time. If the court approves the plan of payment, the debts may be settled in this manner, even if the creditors are not willing to go along with the plan. If the individual makes the payments as required, he or she will not have to surrender his or her property.

Chapter 12 is similar to Chapter 13 but Chapter 12 is designed to be used only by Orlando family farmers with regular income, and it gives them a chance to reorganize their debts and keep their land.

Mortgages can now be modified during a bankruptcy.

How does bankruptcy affect your credit rating? The fact of bankruptcy is picked up and noted by various commercial credit reporting companies. Federal law limits the length of time this information may be carried on a report. The law also prevents certain governmental units and agencies and employers from discriminating against persons who have filed bankruptcy. Most people find that if, after discharge in bankruptcy, they have a higher credit standing than they did before filing. If they promptly make the payments that they are left with such as car payments, house payments, rent or utility payments, they can reestablish good credit in about two year's time.