Making You Financially Whole Again
These days, more and more people are struggling with financial problems. Many have unexpectedly lost their jobs. Others are facing mountains of medical debt they simply cannot pay. Still others are in debt after adjusting to life after divorce. Before you needlessly drain your 401k or other retirement accounts to pay down your debt, speak to a bankruptcy attorney about your options.
At Borras & Latino, P.A., we know the decision to file bankruptcy should not be taken lightly. However, bankruptcy is sometimes the best way to make a fresh financial start. If you are weighed down by debt, call 239-935-5712 or 888-724-0544 to schedule a free consultation. Our attorneys will evaluate your situation and recommend a debt relief solution that fits your needs.
Benefits of Florida Chapter 7 or Chapter 13 Bankruptcy
Some people automatically dismiss bankruptcy as a debt relief option. They mistakenly believe it is for people who have made bad financial decisions. However, the truth is that bankruptcy is a legal remedy for hardworking individuals who are unable to get out from underneath crushing debt.
When you file either Chapter 7 or Chapter 13 bankruptcy, you enjoy certain benefits under the law. The court issues an automatic stay, which:
- Stops all creditor harassment
- Halts foreclosure actions
- Freezes wage garnishments
- Stops repossessions
- Puts a stop to all court actions against you
During a free consultation, our lawyers will explain how bankruptcy can provide relief for your unsecured debt, including credit card bills. We will answer all your questions about the process, such as how long it takes, what constitutes protected assets and what to expect in life after bankruptcy.
Prior to filing bankruptcy, you must undergo credit counseling. We will help you connect with a court-certified counselor so you can promptly complete this requirement.
Mortgage Modification
Bankruptcy is not the only debt relief solution. Sometimes, clients can obtain tangible debt relief through mortgage modification. Our firm helps homeowners negotiate with lenders to achieve a lower monthly payment, allowing them to more easily afford their payments. Our lawyers have detailed knowledge of the Home Affordability Modification Program (HAMP) and have experience working with lenders. Our goal is to keep clients in their homes.
Start Rebuilding Your Financial Future
Whether you are having trouble making your mortgage payments or you have already received notice of foreclosure, contact our firm to speak with a Fort Myers bankruptcy attorney.
Our office is located in a historic home located near the Butterfly Estates, approximately a half mile from the Federal and State courthouses in Fort Myers. We are available to clients seven days a week by appointment.
Hablamos Español · Payment Plans Available · Credit Cards Accepted
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
