Ocala - Leesburg Debt Relief Lawyer Shows Your Family The Way to a "Fresh Start"
If you are a victim of the national recession, out of a job and threatened by home foreclosure, or in foreclosure, you are at a crossroads and may need to make a difficult and emotional decision — continue drowning in debt or take the proactive steps and measures to revive your financial picture and end the financial nightmare and get a fresh financial start in life.
If you face unmanageable debt for any reason – loss of income, a divorce, unexpected medical bills, a lawsuit against you – then bankruptcy is an option you should consider.
No longer is there a need to feel ashamed about filing for bankruptcy. You are not to blame or at fault for the financial mess in this country — most of which was caused by greedy bankers. For many of my clients, bankruptcy is the only way to stop the financial crisis and mess they are in and which they did not cause. We understand how you feel – my staff and I are here to help you out of the nightmare you are living due to the fault of others in the banking and real estate industry. End the collection calls once and forever.
For the "fresh start," the clean slate, the new lease on life that you and your family need and deserve, you should contact the law offices of Ronald W. Slonaker in the Ocala areas. I work to put you back on your feet, free of debt and full of hope. Federal consumer bankruptcy protections are on the books to do exactly that.
I know that filing bankruptcy can be stressful. At my office we work hard to provide a relaxed atmosphere where you can be comfortable speaking freely to us without embarrassment or judgement. I believe in one-on-one contact with my clients and encourage direct contact with me to discuss your problems.
A Chapter 7 bankruptcy strategy liquidates your debt and lets you start from scratch. If you have the income to qualify for this option, via the "means test," you may be able to permanently discharge your debt; benefit from property exemptions; and, thanks to the "automatic stay," free yourself of the threat of foreclosure, repossession, wage garnishment and creditor harassment.
My Chapter 7 bankruptcy law firm is a debt relief agency, counseling clients under federal bankruptcy code. We serve clients in towns such as Anthony, Bunnell, Bushnell, Citra, Deland, DeLeon Springs, Dunnellon, Elkton, Fruitland Park, Fort McCoy, Hastings, Holly Hill, Inverness, Lady Lake, Ocala, Ocklawaha, Ormond Beach, Oxford, Palatka, Palm Coast, Pierson, Reddick, St. Augustine, San Mateo, Satsuma, Silver Springs, Summerfield, The Villages, Weirsdale, Wildwood and others throughout Brevard, Citrus, Flagler, Hernando, Lake, Levy, Marion, Putnam, St. Johns, Sumpter and Volusia counties .
I help guide you through the bankruptcy process. I will review your individual situation with you to see if bankruptcy is the best option for you. I will work with you to prepare all of the court filings. I will represent you in the meeting of creditors and with the bankruptcy trustee.
When you first visit with me, we will carefully gather information about your problems and review your situation with you to make sure bankruptcy is your best option. Should other options exist, I will tell you.
Under the 2005 amendments to the Bankruptcy Code, not all persons are eligible to file a Chapter 7 case. We will walk you through the "means" test to determine if your income level permits a Chapter 7 filing or if you need to consider a Chapter 13 (repayment plan).
If you qualify for a Chapter 7, I will clearly explain which debts can and can not be eliminated or discharged. We will discuss what assets you can keep. We will discuss if there is a need for the redemption or reaffirmation of a debt secured by property or a vehicle. You may not need to lose your home or car in a Chapter 7. But, we will look at the property, how much it is worth and how much you owe, and advise you of your best action.
We will prepare your case for filing with the court with a state of the art bankruptcy software program. We will run a credit check to make sure all of the debts you owe are properly listed on your petition. We will electronically file your case with the court.
If you are considering bankruptcy, then please be wary of "paralegals" or typists who will type your forms for you – they are not legally permitted to advise you on the laws – only an attorney can give you legal advice or represent you in court.
FEES AND COSTS
If your financial situation is at the point where you are considering bankruptcy, then I know how tight money might be for you. First, know that as soon as the bankruptcy petition is filed, bill collectors must stop calling and harassing you, and you do not have to make any more payments to them other than on assets you may want to keep. That may free up the funds for you to move forward with the bankruptcy. We can then work with you to set up a convenient payment plan to my office.
The help you need is only a phone call away — Call Me. I will discuss your financial problems with you free of charge. Call Local 352-502-4847 or call me toll free at 888-365-2180. I offer free initial consultations and promptly respond to all messages and e-mails.
Serving Central Florida for More Than 20 Years
Debts that are dischargeable (eliminated) in a Chapter 7 bankruptcy filing may include:
- Credit card debt
- Mortgage Debt
- Deficiency judgments
- Certain court judgments
- Line of credit debt
- Car, truck, RV loans
- Personal loans
- Medical bills
- Certain Income taxes
- Personal loans
The only debts that do not typically qualify for Chapter 7 dischargeability are student loans, tax liens and domestic support obligations. Other debts may not qualify but I will look at each debt and give you an opinion as to whether it can be discharged.
Don't fear the stigma of personal bankruptcy. Don't buy into the many myths that have gained traction since the changes in bankruptcy law. Don't give bullying bill collectors the pleasure of continuing to harass you.
If you are concerned about your Credit Score and History but you are to the point you are considering Bankruptcy, then that Score and History are likely damaged already.
You can take action now to protect your rights by contacting the law offices of Ronald W. Slonaker. Oftentimes we can work out a payment plan in our bankruptcy cases – although the case can not be filed until all of the fees have been paid.
The Chapter 7 bankruptcy and foreclosure defense help you need may only be a simple, toll free phone call away. 888-365-2180.
Free Initial Consultations With Ocala - Leesburg Chapter 7 Bankruptcy Attorney
An evening or weekend appointment is available on request. We look forward to the opportunity to serve you.
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Call local at 352-502-4847, or at 888-365-2180 toll free.
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