Contact Us to Get Debt Relief

No. While a bankruptcy will remain on your credit report for 7 to 10 years, many of our clients actually see their credit scores begin to improve shortly after their dischargeable debts are canceled. By wiping your debt-to-income ratio clean, you can begin rebuilding your credit immediately.

Yes, in most cases. Florida has some of the most generous bankruptcy exemptions in the country, including a homestead exemption that can protect your primary residence. In Chapter 13, you can stop foreclosure and catch up on past-due mortgage or car payments over a 3- to 5-year period.

We believe financial relief should be accessible. At the Bankruptcy Law Center, you can start the process of gaining financial independence with an initial payment of as little as $100. We offer flexible payment plans and transparent, low fees for the remainder of your case.

DO: Continue paying your mortgage or car loan if you intend to keep those assets. Be completely honest and transparent with your attorney about all assets and debts.

DON'T: Do not transfer property out of your name to hide it. Do not rack up large balances or take out cash advances on credit cards right before filing, as this debt may be deemed non-dischargeable due to fraud.

While bankruptcy filings are technically a matter of public record, unless you are a prominent public figure or a large corporation, it is highly unlikely that your friends, neighbors, or employer will know you filed unless you choose to tell them.

Most student loans and recent tax debts are difficult to discharge. However, older income tax debts (typically older than 3 years, provided certain rules are met) can sometimes be discharged. Even if the debt cannot be erased, Chapter 13 or Subchapter V can allow you to pay it off over time without accruing additional aggressive penalties.