Bancarrota

Bancarrota

Bankruptcy is a legal proceeding that allows debtors to reorganize their finances and obtain a fresh start. Many individuals have exhausted their options in trying to deal with their creditors and could benefit by exploring the option of bankruptcy. Sometimes the filing of the bankruptcy can bring the immediate relief that is needed. A bankruptcy filing results in an Automatic Stay, which acts as an injunction, which prohibits creditors from continuing to take collection activity. This includes stopping things like collections lawsuits, foreclosure sales, wage garnishments, bank accounts garnishments, etc. In order to determine if a bankruptcy is a good option, it is necessary to consult a bankruptcy attorney to establish the pros and cons about your case. Our office can still help even if bankruptcy is not recommended or the debtor does not wish to file for bankruptcy. Please call us at 561-544-0944.

Bankruptcy Chapter 7

La bancarrota Capítulo 7 se conoce como bancarrota de "liquidación". Esto se debe a que los acreedores del deudor son pagados mediante la liquidación de los bienes no exentos (no protegidos) de los deudores. La buena noticia para los deudores es que, en la mayoría de los casos de quiebra del Capítulo 7, no hay bienes para liquidar, ya que la mayoría o todos los bienes de propiedad del deudor están protegidos por la ley. Cuando no hay bienes para liquidar, el Deudor puede descargar (eliminar) las deudas sin tener que perder nada. Esta situación logra el nuevo comienzo que es el espíritu de la ley. Los deudores deben calificar para el Capítulo 7 según su nivel de ingresos. Para determinar si un capítulo 7 de bancarrota es una buena opción, es necesario consultar a un abogado de bancarrota para establecer las ventajas y desventajas de su caso. Nuestra oficina también puede ayudarle si en su caso no se recomienda la bancarrota o si el deudor no desea declararse en bancarrota. Por favor llámenos al 561-544-0944.

Bankruptcy Chapter 13

Bankruptcy Chapter 13 is referred to as “Reorganization” bankruptcy. This is because the Debtor must propose a payment plan to repay his/her debts through a plan that has to be proposed, negotiated and approved by the Chapter 13 Trustee and the Bankruptcy Judge. The payment plan in most cases does not involve paying all creditors 100%. The goal is to achieve the lowest payment possible. Chapter 13 provides many benefits to Debtors such as stripping off certain liens on homestead property, allowing for various options to retain homestead property, allowing the potential modification of mortgages through the Mortgage Modification Mediation Program, bringing down the balance of certain car loans were the vehicle is “upside down”, etc. A Debtor that qualifies for a Chapter 7 may be able to benefit more from a Chapter 13 in some circumstances. In order to determine if a bankruptcy chapter 13 is a good option, it is necessary to consult a bankruptcy attorney to establish the pros and cons about your case. Our office can still help even if bankruptcy is not recommended or the debtor does not wish to file for bankruptcy. Please call us at 561-544-0944.

Arregle una consulta gratis con un abogado experimentado

Si desea discutir su asunto con un abogado, comuníquese con Zuniga Law, P.A. Puede llamar a nuestras oficinas al 561-544-0944 o concertar una cita a través de nuestro formulario en línea. Ofrecemos consultas iniciales gratuitas, lo que nos permite evaluar su caso sin obligarlo a retener nuestros servicios.

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We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

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