Bankruptcy Lawyer Jacksonville
Searching for Bankruptcy Lawyer Jacksonville? The right to file bankruptcy exists under federal law and is a way for individuals and businesses to seek relief from their creditors. Our bankruptcy attorneys will work directly with you to:
- Save Your Home From Foreclosure
Filing for relief under Chapter 13 automatically stays (STOPS) most collection actions against you, including a pending foreclosure on your home. Foreclosure proceedings and, more important, foreclosure sales, can be stopped as long as your case is filed before the date and time the sale takes place. You start making mortgage payments again until you catch up on the past due amount. Once the repayment plan is complete and your case is discharged, you resume a normal relationship with your mortgage company, and begin building a positive credit history.
- Prevent Wage or Bank Garnishments
The most effective way to stop a wage garnishment is by filing for bankruptcy and obtaining an "automatic stay". However, it is very unlikely that you will get a warning that a creditor is seeking a court order for a wage or bank account garnishment. Instead, the garnishment will be sent directly to the bank or your employer and you will be the last to know. That's why it is important to act in a timely manner when you're threatened with a debt collection lawsuit. Once it happens, it can be difficult, if not impossible, to do anything about it. Don't let creditors take your hard earned money. Let our bankruptcy lawyers show you how to get on the road to financial recovery.
- Save Your Car from Repossession
If you are behind on your vehicle payments and need to STOP an impending repossession, filing bankruptcy may allow you to keep your vehicle and also lower the interest rate and payment. In some cases, where a vehicle has been owned for over a specific length of time, your auto loan can be rewritten to pay on the current depreciated value of the car, rather than the total debt owed. However, under Florida law a creditor does not have to return a vehicle once it has been repossessed. Speak with a bankruptcy lawyer today before it's too late and your only source of transportation is gone.
Anyone can experience bad times and bankruptcy is all about starting over. If you have creditors calling at all hours or have been threatened with a debt collection lawsuit, don't wait until it is too late. Now is the time to be proactive. At the Law Offices of Keith D. Collier, we specialize in helping consumers and businesses keep financial control. Contact a bankruptcy lawyer today for a FREE consultation in Jacksonville, Daytona Beach or Orlando.