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Miami Bankruptcy Lawyer
In 2009, 1.43 million Americans filed for bankruptcy. Almost 80,000 of those 1.43 million Americans were Floridians. While this is an astounding number, it means that those 1.43 million Americans liberated themselves from their operose debt obligations through their state’s bankruptcy system.
Probably none of those Americans foresaw themselves filing for bankruptcy, but all it takes is a single serious illness or injury, the loss of a job or key client, the death of a spouse or a divorce, or just a few years of trying desperately to make ends meet or making a few bad fiscal choices to end up in a situation where you feel like your debt owns you.
In central Florida alone, the filing of bankruptcy petitions grew an astonishing 58% from 2008 and an astronomical 188% since 2007. The future has many Floridians gravely concerned, with the nation’s economic standing in jeopardy and the space program’s leaving Florida shortly, the walls seem to be closing in for many.
With such dire straits seemingly unavoidable, does that mean bankruptcy is the answer for everyone? Absolutely not. Thousands of Floridians avoid bankruptcy each year by educating themselves about Florida’s bankruptcy laws, what choices they have as consumers, and how best to handle their financial situation. They do this by consulting with knowledgeable attorneys experienced in Florida’s bankruptcy laws and how the United States Bankruptcy Code applies in everyday life.
However, for those facing foreclosure, a Chapter 13 filing may achieve a reasonable repayment plan instead of the alternative, which is losing the home. In other situations, a straight Chapter 7 bankruptcy filing can help wipe out unsecured debt such as credit cards, for a clean start.
Before anyone considers filing for bankruptcy in Florida, there are many important questions that must be asked and answered, such as:
• How will this change my life?
• Can I keep my house?
• My vehicle?
• My IRA?
My advice is not to file for bankruptcy until you have talked to an attorney about your options. Contact the Law Office of Enrique J. Fernandez, P.A. today at 786-364-3054 for a free, no obligation consultation.
How can I and my firm help you make the best decision to improve your financial standing?
It takes 60 minutes, just one single hour, to let me tell you the best choice to help solve your financial woes and on your way to a happier, more solvent life for you and your family. My staff and I are highly qualified and experienced professionals dedicated to helping you and your family get back on track. Our bankruptcy consultations are free, with absolutely no obligation and absolutely no high pressure sales schemes; we will give you the most honest, straightforward advice possible on how to get your financial house back in order.
We are here to answer any questions you have about us, about our practice, our experience, our history, or our qualifications; we are also here to answer your questions about Florida’s bankruptcy laws, the US federal bankruptcy laws, and how they pertain to your specific situation. We can also help you lay out a plan for your future to help you stay in the best financial health possible.
We pride ourselves in representing the best interest of our clients from start to finish, and that means providing the best advice and guidance possible because we know that a choice about bankruptcy, no matter which way it goes, will greatly impact you, your family, and the rest of your lives. We work with Florida residents to get the best results possible, whether you decide to file for bankruptcy or not. You deserve to make the right decision. Let us help you.
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