We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
BANKRUPTCY
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Taking the first step toward filing for bankruptcy is not easy, but it is necessary. A financial crisis can negatively impact all areas of your life, but many people choose bankruptcy as a reasonable solution. Together, we will work one-on-one and decide if bankruptcy is your best option, keeping in mind your specific situation and how choosing this route can benefit you.
Overwhelming debt can be devastating financially as well as emotionally. It can be hard to see a way out. If you’re struggling under a mountain of debts, or if your income has unexpectedly disappeared, you may have the right to file bankruptcy to give you the time and space to reorganize your finances and find a way out. Bankruptcy can allow you the time you need to get your financial feet under you and start taking care of what’s most important.
Our office can help you navigate this challenging time, and guide you through the complex bankruptcy law. I understand that sometimes people can’t even afford paying the cost of filing bankruptcy, so our office will work with clients on finding payment solutions which are achievable. Call our office today to find out what your rights are. (305) 557-4304.
Helping You Get Back On The Right Financial Path
Struggling with unmanageable debt can lead to complications in many other areas of your life. The stress alone can make otherwise ordinary situations nearly impossible to bear, and many people experience issues with their jobs and personal relationships. Add to that the constant phone calls and letters demanding money that you don’t have, and you begin to wonder where everything went wrong.
The good news is that you can get relief from your debt and make a fresh financial start through consumer bankruptcy. There are specific steps that need to be taken in the process of filing for bankruptcy, and the assistance of an experienced attorney can help to ensure that the entire process goes smoothly. The Law Offices of Dayren Suarez, Esq represents clients in all aspects of these cases.
Understanding Your Consumer Bankruptcy Options
The vast majority of consumer bankruptcy filings fall under Chapter 7 or Chapter 13.
Chapter 7:
Chapter 7 bankruptcy is for people dealing with “unsecured debt,” like medical bills, credit card bills, and other debt that is not backed by collateral. Creditors are sometimes repaid through the liquidation of certain assets, but that does not mean that you will lose your home or your savings. In fact, due to key exemptions, most people do not lose any property under Chapter 7.
Chapter 13:
Chapter 13 bankruptcy is a good option for those who can afford to repay a portion of their debts and do so through a court-approved repayment plan that restructures your debt and makes payment more manageable. After fulfilling the terms of the plan, the debts are discharged by the court, regardless of whether the creditors have been fully paid.
Our office will work with you to determine which solution would be the best fit for your needs, including whether bankruptcy makes sense for your situation at all. We will explain the available options and make sure that you have all the information you need before we embark on any course of action. If you decide to move forward with bankruptcy, I will be there with you at every step, from preparing your petition and submitting it to the court to representing you at any adversary proceedings and the ultimate discharge of your debts.
Contact our office today to discuss your debt relief needs. We conduct a free evaluation of your circumstances and give you our best recommendation about how to proceed. Call 305-557-4304 or send us an email to schedule an appointment.
We are a debt relief agency.
We help people file for bankruptcy relief under the Bankruptcy Code.
Call our office today to find out what your rights are. Call 305-828-1330
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