Experienced Legal Counsel for Bankruptcy Issues
Are you struggling with unmanageable debt? Are you worried about repossession or foreclosure? If so, bankruptcy may be the best option for you. Don't let the myths deter you from considering bankruptcy; although your credit will be affected, bankruptcy will give you a fresh start and allow you to rebuild your credit without having to worry about your debts any longer. Our firm's legal team has a thorough understanding of both federal and state bankruptcy laws and can help you make the best decision for your situation.
The Law Offices of Justin McMurray, P.A. has practiced law in Florida for more than 13 years. We focus on our clients' needs and desires and tailor their representation to match. Our appointment times are flexible and we offer affordable flat rates and payment plans, so you have nothing to lose by calling today to schedule your complimentary case evaluation. Speak with an attorney from our firm right away to learn how we can help you with any bankruptcy issue.
Bankruptcy Issue We Can Handle
The Law Offices of Justin McMurray, P.A. has a deep understanding of all federal and Florida bankruptcy laws. Our legal team knows how and when to file bankruptcy and can help you prepare for the means test, which determines your eligibility for bankruptcy. If you make less than the national average for disposable income as an individual or couple, you could benefit from Chapter 7 or Chapter 13 bankruptcy. Keep in mind that Chapter 7 involves liquidation of your non-exempt assets, so you will need a lawyer who knows Florida's exemptions as compared to the list of federal bankruptcy exemptions. Our firm can also help you file for Chapter 11 on behalf of your business so that you can reorganize your debt without having to close your business.
Our firm also keeps in mind the effects of bankruptcy on your credit. Although bankruptcy may be the best way for you to rebuild your credit, our attorneys will do their best to help you pursue an alternative to bankruptcy. We could help you negotiate a loan modification so that you can afford your payments again and get out of default, or we could pursue debt negotiation or debt settlement. We are also skilled in collections defense in case you are suffering from creditor harassment.
Creditors and lenders are required to respect a consumer's rights under the Fair Debt Collection Practices Act (FDCPA) and may not use unfair practices such as deception or harassment in order to collect a debt. This includes wrongful wage garnishment or garnishment of exempt assets. Contact our firm today if you have are suffering from debt collector abuse or if you are considering filing for bankruptcy. Our legal team is more than capable of helping you start a new life after bankruptcy in the Ocala area, including all of Brevard County.
Contact an Ocala Bankruptcy Lawyer in Your Area
Florida has the highest foreclosure rate in the United States today. Filing for bankruptcy places an automatic stay on all foreclosure proceedings while you get your financial issue resolved. Our firm provides capable bankruptcy and foreclosure defense counsel and representation for Ocala residents. Contact our firm today to learn what we can do for you!
The Law Offices of Justin McMurray, P.A. has been in practice for 13 years and has successfully assisted thousands of clients. We are often called upon to lecture on Florida real estate issues and instruct attorneys, realtors, and mortgage brokers on a regular basis. Schedule your free case evaluation today to speak with an attorney and get started on your bankruptcy case. With our help, you can find freedom from your debts!