If you have experienced any of these situations then a chapter 7 or a chapter 13 bankruptcy may be an option.

  • Phones calls from debt collectors.
  • Repossession of assets, garnishment of pay checks, or a lawsuit filed against you.
  • Home in foreclosure, have a second mortgage, own real estate you do not wish to keep.
  • You’ve lost personal assets, savings, or your home.

Now that you have determined whether bankruptcy is an option for you, it is important to know which chapter of bankruptcy you are eligible to file.  Chapter 7 and chapter 13 have specific requirements in order to file, so meeting with a bankruptcy attorney in Daytona Beach will give you some insight into your situation and what your options are.  You can also take the means test to determine whether you are eligible to file for chapter 7 or chapter 13 bankruptcy.