Debt Defense Lawyer Ready to Help You Get Your Life and Finances Back on Track in Fort Lauderdale
If you’re finding it difficult to pay your bills and keep up with your credit card debt, it’s important to remember that you have legal options. If debt collectors are calling you at all hours, or if you are being pursued over a debt that isn’t yours, it’s time to contact Fort Lauderdale debt defense attorney Marc Brown.
Debt collectors can be relentless, and credit cards can quickly get you into trouble when the bills pile up and you have no other immediate options. If you find yourself under a mountain of debt, the Fort Lauderdale law firm of Marc Brown, P.A. offers a free consultation to help you find the financial relief you need.
Are You Considering Bankruptcy, But You Don’t Know Where to Start?
If you’ve taken out a loan or made extensive use of a credit card, the consequences can be severe if you have difficulty paying it back. Harassment by debt collectors is only the beginning. Many south Floridians face repossession of their vehicles or foreclosure on their homes. If you need help, your first step is scheduling a consultation with the right debt defense attorney.
Fort Lauderdale debt defense attorney Marc Brown will help you develop a debt defense strategy that you and your loved ones can live with. We work tirelessly to gather and examine the pertinent financial documents and to build a strong case in support of your need for debt relief.
Estate planning attorney Marc Brown has an extensive background in debt litigation proceedings. He will help you understand your legal options and find the solutions that maximize your opportunities for financial recovery.
The Law Firm of Marc Brown, P.A. Will Help You File for Bankruptcy
Bankruptcy is a legal procedure for consumers who have debts that they simply are not able to pay. However, bankruptcy deals only with unsecured debts such as medical debt, credit card debt, and retail debt. Unpaid child support, unpaid taxes, fines owed to courts, and student loan debt cannot be discharged in the bankruptcy process.
Marc Brown, P.A. is an experienced debt defense law firm that is dedicated to delivering sound legal advice to consumers and aggressive advocacy in their defense. We will help you deal appropriately with your debts – without making you destitute or homeless. You’ll find the following explanation of bankruptcy terms helpful.
What Are Chapter 7 and Chapter 13 Bankruptcies?
The two types of personal bankruptcy – “Chapter 7” and “Chapter 13” – refer to chapters in Title 11 of the U.S. Code, the complete federal laws of the United States.
- In a Chapter 7 bankruptcy, a debtor hands over all of his or her property which exceeds the “exemptions” that you are allowed to keep. Your non-exempt property is liquidated to pay your debts. Eligibility for a Chapter 7 bankruptcy depends on passing a means test.
- In a Chapter 13 bankruptcy, a debtor files a plan for paying some or all of his or her debts from current income over a period of three-to-five years. No means test is required to file for a bankruptcy under Chapter 13.
What is an Automatic Stay?
When you declare bankruptcy under either Chapter 7 or Chapter 13, your creditors are informed by the bankruptcy court that they are now subject to an “automatic stay.” New creditor claims may not be filed against you, pending cases are usually put on hold, and no bullying phone calls or letters from your creditors are allowed. Creditors who violate an automatic stay violate the law, and if that happens, attorney Marc Brown will go to court on your behalf to enforce the stay.
If you qualify for a Chapter 7 bankruptcy, the law firm of Marc Brown, P.A. will file all of the necessary documents and advocate on your behalf before your creditors and a bankruptcy judge. In a Chapter 7 bankruptcy, you may have to liquidate certain assets in order to make full or partial payments on the debts you owe. However, when your Chapter 7 bankruptcy is finalized, you will be able to begin the process of rebuilding your credit.
Even if you are securely employed with a steady income, divorce or health issues can make it impossible to pay off other debts. For consumers in these situations, a Chapter 13 bankruptcy and debt repayment plan may be your best option. In a Chapter 13 bankruptcy, your income and expenses are reviewed and the terms and conditions of your debt repayments are restructured. You pay off your debts in a way that works for you over a three-to-five-year period.
Is There a Practical Alternative to Bankruptcy?
Bankruptcy isn’t for everyone who struggles with debt, and it may not be your best or most practical option. Florida bankruptcy attorney Marc Brown can explain the alternatives. Our law firm helps borrowers and lenders with loan or mortgage modifications, and we will work for you with other creditors to make debt settlement arrangements that satisfy all parties involved. Debt settlement is a viable alternative for many consumers. You should consider debt settlement if:
- You want to pay a debt but you cannot meet the creditor’s terms.
- You need to pay less to discharge your debts than you would pay by filing a Chapter 13 bankruptcy.
- You cannot file for bankruptcy due to previous filings or because you do not satisfy the Chapter 7 means test.
A good bankruptcy attorney can help you determine the option that’s best for you, although for some consumers, bankruptcy will be the only realistic alternative. As a bankruptcy and debt relief attorney, Marc Brown is proud to provide his clients with a comprehensive understanding of their rights under the law. His goal is to ensure that you get financial relief as efficiently, painlessly, and quickly as possible.
Are You Ineligible to File for Bankruptcy?
Every state has different laws governing bankruptcy, so it’s important to discuss your concerns with a bankruptcy attorney who has experience with Florida’s bankruptcy courts. Of course, depending on what you owe and what creditors you owe it to, you may be compelled to pursue an alternative to bankruptcy.
Your financial records will play a key role in determining your eligibility to file for bankruptcy. No two situations are alike – every person who is buried in debt is in unique circumstances. Fort Lauderdale bankruptcy attorney Marc Brown will establish your eligibility for bankruptcy or find an alternative strategy for getting you out of debt.
Do You Really Need a Bankruptcy Lawyer?
Yes, you can file for personal bankruptcy in Florida without an attorney’s help, but going it alone is not a good idea. You could damage yourself financially at a time when you already face genuine financial trouble, and your bankruptcy petition could be denied if you cannot meet the criteria for bankruptcy or if you make any mistakes with the paperwork.
If your bankruptcy petition is rejected, you can still be targeted for repossession, foreclosure, and those aggressive letters and phone calls from collection agencies. You’ll almost certainly require legal assistance at some point in the bankruptcy process, so it’s best to speak first with a trustworthy Fort Lauderdale bankruptcy attorney before you take any other legal step.
Contact the Law Firm of Marc Brown, P.A. for Help Resolving Your Debt Issues
At the law firm of Marc Brown, P.A., we are dedicated to achieving favorable outcomes for Floridians who need debt relief. If your business or personal finances are severely impaired by credit card debt or any other type of outstanding debt, contact our team right away.
We offer a no-cost, no-obligation legal consultation to anyone who is being harassed by debt collectors and to anyone who is considering bankruptcy. We take the time to listen personally and attentively to the details of your situation. At the law firm of Marc Brown, P.A., our goal is a fair and just resolution that satisfies all parties involved.