All of America is facing an economic crisis, and few states have been hit as hard as Florida. Today's economy has put many Orlando residents in situations they never thought they'd be in.
Shrinking property values..
Foreclosure threatens millions..
Repossession is a common occurrence.
These worries are affecting more and more Americans everyday, and both Chapter 7 and Chapter 13 bankruptcies are increasingly becoming a recognized form of relief for many people.
Like many of our clients, you, too, may be asking yourself, “Should I file for bankruptcy?” If so, it is time to talk about your options with experienced Orlando bankruptcy attorneys.
When it Really Matters...
Our Lawyers have been recognized as Best Lawyers in America (2012 Edition);
they have the experience and skill to advocate for you.
- Are bills piling up faster than you can pay them?
- Do creditors harass you at all hours?
- Are you living paycheck to paycheck?
- Is your house on the verge of foreclosure?
These are just some of the warning signs of a gathering financial storm. At the Kramer Law Firm, we help families and individuals achieve real relief from debt. Our goal is to help you find the best way to take control of your financial crisis, and get you on a solid path to financial freedom.
Who might need Orlando bankruptcy protection?
Perhaps you lost your job and can no longer make ends meet. You may be in foreclosure, or have unexpected medical bills piling up. If you have been through a divorce, or are a single parent, you juggle payments in order to pay your most basic bills.
Our attorneys provide counsel for personal bankruptcy and alternatives to bankruptcy. We can help you get out of this financial mess, put an end to the downward spiral and help you get your life back.
People with high debts most often use one of two bankruptcy options:
- Florida Chapter 7 Bankruptcy – This is a liquidation plan where you are able to eliminate most types of debt. In order to qualify for Chapter 7, you must pass a “means test” where you must fit within a certain income level. For most people, a Chapter 7 bankruptcy is completed in less than six months.
- Florida Chapter 13 Bankruptcy – This option reorganizes your debt with a three to five-year repayment plan. Chapter 13 can be a useful tool if you have regular income (and therefore may not qualify for Chapter 7) or you need to save your home from foreclosure or your car from repossession.
Bankruptcy is a solution − but it may not be best for you.
In your decision to seek counsel from an Orlando bankruptcy law firm, get to know your attorneys before you hire them. Many people find themselves pushed into a bankruptcy by one-sided legal advice, whether or not it is the best solution to their particular situation.
We examine every financial option available, so that you may be able to resolve your debt without bankruptcy. Our attorneys have helped numerous people save their homes, avoid repossession of their vehicles and other property, and reduce crippling debt through bankruptcy and other debt relief methods.
Debt Relief Options
As Orlando bankruptcy lawyers, we recommend a bankruptcy filing only when it is your best option. In many cases, there are better solutions.
Our attorneys are skilled at negotiating new payment plans with creditors, home loan workouts, short sales, deeds in lieu of foreclosure, and forbearance processes. We will help you obtain the form of debt relief you need.
Find Financial Peace Again. Contact Our Orlando Bankruptcy Lawyers.
In our experience with Florida bankruptcy, we know we are meeting good people under the worst conditions. The Kramer Law Firm has helped the people of Orlando in all walks of life become debt-free, from the single mother trying to make ends meet, to the CEO. They are now rebuilding their credit, qualifying for mortgages, and experiencing a life free from worry.
A new beginning starts with a simple phone call. Discuss your options with the Orlando bankruptcy attorneys at the Kramer Law Firm. Your initial consultation is completely free, confidential, and without obligation. We will help you work out a plan you can live with to help you get a fresh start.
Do you have questions about Florida bankruptcy?
We invite you to explore our website and get to know us better. Please keep reading to see exactly how we help our clients overcome extreme debt through applied Florida bankruptcy law and proven debt relief plans.