Jacksonville Bankruptcy Lawyers
Struggling with Debt? Call Owenby Law, P.A. for a Free Review!
If you are currently absorbed in debt, bankruptcy can be exactly what you
need to put your life back together. Whether you are seeking a fresh start
through Chapter 7 or need to restructure your debts through Chapter 13,
you can turn to the Jacksonville bankruptcy attorneys at Owenby Law, P.A.
for experienced legal guidance. We know that no one intentionally accumulates
more debt than they can handle, but sometimes life-changing events –
such as a job loss, lapse in health, or divorce – make it impossible
to keep up with monthly bills. This is what we are here for.
If you are seeking debt relief through bankruptcy, involving the services
of an experienced bankruptcy lawyer as early as possible is critical to
a smooth and successful transition through the bankruptcy process.
Call Owenby Law for the help you need.
We Can Help You Stop Debt Collectors, Foreclosure & Repossessions
As Jacksonville bankruptcy lawyers, we are often able to temporarily or
permanently stop foreclosure actions. The
automatic stay associated with Chapter 7 and Chapter 13 bankruptcy will freeze foreclosures,
auto repossessions, and all other types of debt collections from creditors
until it is lifted. The time this allows can be invaluable as you attempt
to get your affairs in order. We understand how intimidating and stressful
bankruptcy can be for our clients, but should you decide to retain our
services, we will be with you through every step of the bankruptcy process.
When you work with our firm, we can answer all of your questions, including:
- Is filing for bankruptcy the right choice for me?
- Which type of bankruptcy is right for me?
- Will I lose my house or car if I file for bankruptcy?
- How long does the bankruptcy process take?
- Will I be left with any debt when it’s over?
What is the Difference Between Chapter 7 and Chapter 13?
If you are interested in filing for bankruptcy as an individual, you have
the option to file under Chapter 7 or Chapter 13 of the U.S. Bankruptcy
Code. While both provide similar outcomes, they are vastly different processes.
Chapter 7 bankruptcy requires you to liquidate certain non-exempt assets,
sell them, and then use the proceeds to repay your creditors. The benefit
is that your debts will be discharged in just a few short months.
On the other hand, Chapter 13 bankruptcy is a lengthier process that can
take anywhere from three to five years. During Chapter 13, you will have
the chance to restructure your debts, create a monthly payment plan, and
repay your creditors in order of priority over the next couple of years.
At the end of this process, any remaining debts will be discharged. One
benefit is that it may be able to help you halt or prevent foreclosure.
Don’t Let Debt Control Your Life – Our Firm Can Help You Take Action
At Owenby Law, P.A., we strive to deliver thorough, knowledgeable, and
compassionate legal representation to all of our clients. By helping people
file for bankruptcy relief under the U.S. Bankruptcy Code,
we are giving them a chance to start over with a clean slate. Debt doesn’t have to control your life – our bankruptcy attorneys
in Jacksonville, FL can help you get the fresh start you deserve! Contact
our firm to find out how we can put more than a decade of legal experience
to work for you. Initial consultations are free and confidential, so please
give us a call today.
For more information about our bankruptcy services,
contact us for a free consultation.