How & When to File Bankruptcy
Is now the right time to declare bankruptcy?
If you are reading this page, you must be looking for solutions to your problems with debt. In all likelihood, you have been watching yourself slide deeper into debt over the years, and now you are at a point where there seems to be no other way out. It may be time for you to file bankruptcy under Chapter 7 or Chapter 13. Make no mistake; bankruptcy is a drastic step that should only be used as a last resort.
If your primary money problems have to do with an unaffordable home mortgage, you may be better off hiring an attorney from our firm to represent you in loan modification negotiations which could result in a lower monthly payment, or to attempt to do a short sale of your home. Even if you mostly have unsecured debts which bankruptcy would wipe out, you might be able to handle them with less credit damage by using debt settlement or debt consolidation. If, however, you have explored your other options and none of them seems to work – or if the size of your debt is simply too great – an Ocala bankruptcy lawyer from The Law Offices of Justin McMurray, P.A. is ready to help you.
File Bankruptcy with Help from Our Firm
The best way to go about declaring bankruptcy is to hire an attorney to represent your case and to help you navigate the complex process. You are legally entitled to represent yourself – which is referred to as a pro se case – but even the U.S. courts cautions against doing so, saying that it is “extremely difficult to do it successfully.” All you have to do is to come to our office for a free initial consultation to review your situation and determine whether you are eligible for Chapter 7 or if you will need to use Chapter 13. We can assist you with every aspect of the case, from gathering the necessary financial documentation and preparing your paperwork, to representing you before the judge and with your creditors. With our help, you may not even have to appear in court! We offer affordable payment plans, flexible office hours and even flat-fee billing. Contact us now to take your first step!