Filing for Bankruptcy in Jacksonville, FL
Living with debt can be stressful. When you fall behind on payments, you will likely start receiving angry calls from creditors. Sooner or later, you will face threats of foreclosure, repossession, collection lawsuits, or wage garnishments. Filing for bankruptcy can help you avoid these outcomes.
If you are struggling with seemingly insurmountable financial difficulties, our firm is ready to help. Our attorney at The Law Offices of David C. Meltzer, PLLC has nearly a decade of experience and can work closely with you to evaluate the specifics of your financial situation to determine what type of bankruptcy is right for you. We are committed to delivering the debt relief solutions you need to retake control of your life and secure a fresh financial future.
You do not have to face your debt alone. Get the help and guidance you need from The Law Offices of David C. Meltzer, PLLC by calling (904) 418-7454 or contacting us online.
What Kind Of Debt Is Dischargeable?Almost all debts are dischargeable. Student loans, most taxes, and Domestic Support Obligations cannot be discharged. As a general rule all other kinds of debts are dischargeable.
What Is A Discharge?A discharge is typically entered toward the end of a bankruptcy case and is an order signed by a Federal Judge. This order states that the person who filed bankruptcy no longer has any obligation to pay certain debts that were included in the bankruptcy.
What Is Bankruptcy?Bankruptcy is legal process in which a debtor seeks an order of relief from the bankruptcy court. In Layman’s’ terms when someone files bankruptcy, they are asking the court for legal protection from their creditors. This legal protection could be a discharge of debts they are unable to pay or it could be additional time to repay a secured debt. Debtors who pass the means test or do not have a regular source of income are eligible for a discharge under chapter 7 of the bankruptcy code. A discharge is a federal court order that prevents creditors from attempting to collect on a debt. Individuals and Corporations can both file chapter 7 bankruptcy, however only individual debtors can receive a discharge. The most significant issues that arise in chapter 7 bankruptcy cases are the loss of property and the possibility of the court denying your discharge. Very few debtors are denied a discharge by the bankruptcy court.
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Filing for bankruptcy can provide you with the immediate relief you need through the automatic stay. This court order prevents creditors from initiating or continuing collection actions against you, including foreclosures, repossessions, wage garnishments, and lawsuits. Upon completing a bankruptcy, you are generally able to discharge unsecured debts, including credit card debt, medical debt, and unpaid utility bills. We have secured relief for many clients and can help you understand what types of debts you can expect to eliminate.
The Law Offices of David C. Meltzer, PLLC can assist you with:
- Chapter 7 Bankruptcy: Individuals with little to no current disposable income can qualify to discharge unsecured debts after liquidating non-exempt assets. We can help determine your eligibility under the means test and protect exempt assets from liquidation. Exempt assets can include the equity in your home, your vehicle, clothing, furniture, tools of your trade, and retirement accounts.
- Chapter 13 Bankruptcy: Individuals with sufficient disposable income will need to repay a portion of their debt through a Chapter 13 reorganization plan. This plan will involve making monthly payments over a period of three to five years. The amount of these installments will depend on what you can currently afford to pay. Our attorney can help you propose a repayment plan that meets all requirements.
- Foreclosure: Bankruptcy can stop a pending foreclosure if you file before a sale takes place. Chapter 7 bankruptcy can help you recover equity, but if you wish to keep your home, you will likely need to consider Chapter 13 bankruptcy. Mortgage arrears must be paid in full as part of your Chapter 13 plan, and you will be protected from foreclosure throughout the life of the plan so long as you continue to make payments. Our attorney can help you explore all of your foreclosure avoidance options.
- Debt Relief: In most cases, it is not advisable to engage with a debt consolidation company. These firms are not interested in helping you and only wish to collect their fees. Some creditors may refuse to work with debt consolidation companies, and they may ask you to “front end” their fees before they can deliver any meaningful results. Instead, we can help you secure debt relief through bankruptcy. This approach allows you to remain in control and benefit from protections under the U.S. Bankruptcy Code.
Schedule a free initial consultation with The Law Offices of David C. Meltzer, PLLC by contacting us online or calling (904) 418-7454. We serve Nassau, Duval, St. John, Clay, Baker, Marion, Flagler, and Putnam counties.
Very knowledgeable and to the point!! I would definitely recommend!- Ben C.
When I called he answered the phone quickly and was happy to get my husband and I in for an appointment to discuss our potential business questions and guide us in the right direction!- Taylar S.
I truly enjoyed his services and would highly recommend the Law Office of David C. Meltzer, PLLC.- Troy M.
He was responsive and responded to calls and emails promptly, in many cases answering the phone directly. He makes sure you have what you need and when you have court he makes sure you understand the process before, during and after.- Emperor K.
I can't say enough positive things about Meltzer Law office.- Shelly