Time for a Fresh Financial Start
Bad things happen to good people. In this troubling economy, honest, hard-working individuals are finding themselves facing a wall of debt now more than ever. It is important to get control of your finances and start working towards a fresh start.
The Gainesville bankruptcy attorney Robert W. Bauer helps clients determine if bankruptcy is the right solution for them. We seek to remove the negative stigma attached to filing for bankruptcy, and strive to educate our clients on the pros and cons of the different personal bankruptcy filings. The Bankruptcy Code was designed as a safety tool that can help individuals burdened with debt due to job loss, medical bills or misfortune. It is an opportunity to create a more stable financial future.
Chapter 7 Bankruptcy
Chapter 7 is often referred to as an "elimination" or "discharge" bankruptcy. Following a means test, individuals can receive debt relief under this plan. In this action, there is no repayment of your debt. If you qualify for Chapter 7, most of your unsecured debt will be eliminated.
Chapter 13 Bankruptcy
Chapter 13 is often referred to as "debt repayment." Chapter 13 is a longer process than Chapter 7, but clients who take this route are able to retain many of their assets. Following a three- or five-year repayment plan, most unsecured debt is discharged.
Even if you have done everything right in your financial planning, it is still possible to be caught off guard by situations in the world. Misfortune happens all around us, and it is likely that your misfortune has a financial component. Contact a lawyer to help get your finances under control so you can begin working towards a fresh start.
Contact a Florida Chapter 7 and 13 Bankruptcy Attorney
If you have questions regarding bankruptcy in Gainesville or communities throughout Florida, contact The Law Offices of Robert W. Bauer, P.A., to schedule a meeting. We accept MasterCard, Visa, Discover, eCheck or American Express as payment.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.