Life After Bankruptcy in Florida
Creditors, collection agencies and debt consolidation companies often tell you that filing bankruptcy will cause permanent damage to your life. These businesses generally want you to believe that if you file bankruptcy, your credit will suffer irreparable damage, your job will be in danger and you will lose all your belongings.
At Borras & Latino, P.A., we work to dispel these misconceptions. Our firm is committed to not only helping clients through the bankruptcy or debt negotiation process, but also setting them on the path to financial stability. While we are committed to helping you get immediate debt relief, we strive to create a plan that will provide long-term stability as well.
Rebuilding Your Credit
If you are considering bankruptcy as a debt relief solution, chances are your credit has already taken a hit. By filing Chapter 7 bankruptcy or Chapter 13 bankruptcy, your unsecured debt will either be eliminated or significantly reduced. After your bankruptcy case closes, you can begin building your credit.
There are certain guidelines you can follow to stay out of debt. Our experienced lawyers can give you tips, such as obtaining a secured credit card and avoiding payday loans, to help achieve this goal. We can also help you connect with a certified credit counseling program. Our firm welcomes the opportunity to meet with you and explain what you can do to repair your credit as quickly as possible.
Will I Lose My Job and All My Assets?
When you file for bankruptcy, your friends, family and employer will most likely not know about it unless you tell them. While bankruptcy is a public proceeding, few publications report filings. The only ones who will definitely know are your creditors and any people who have co-signed loans to be included in the bankruptcy estate.
Certain property, such as a vehicle (depending on what it is worth), your clothing and most personal belongings, is exempt in bankruptcy. If you wish to keep an asset that is not exempt, you have the ability to reaffirm the debt.
Helping You Regain Control
Our Fort Myers credit repair attorneys can help you get your finances under control and help you adjust to life after bankruptcy. Call 239-935-5712 or 888-724-0544, or contact us online to schedule a free initial consultation.
Borras & Latino 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 meet with clients seven days a week by appointment.
We offer payment plans and accept credit cards. Hablamos español.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
