Bankruptcy Law FAQs

Jacksonville Bankruptcy Law Information

  • Chapter 7 bankruptcy — Discharge your unsecured debts through a liquidation.
  • Chapter 13 bankruptcy — If you have significant assets you wish to preserve, the repayment plan of a reorganization can offer a real solution.
  • Stopping creditor harassment — The automatic stay of personal bankruptcy puts an immediate halt to collection activity.
  • Debt consolidation — Debt consolidation may leave you deeper in debt than when you began. Be very careful.
  • Stopping wage garnishments — Bankruptcy is one of the only tools with which to fight a wage garnishment.
  • Stopping foreclosures — Chapter 13 utilizes the automatic stay to stop foreclosure proceedings and its repayment plan can help you become current on your mortgage.
  • Improving your credit score — Within 15 months after bankruptcy you can begin rebuilding your credit.
  • Credit repair — There are many steps you can take, in addition to bankruptcy, in order to repair your credit.
  • Bankruptcy and divorce — Consulting a lawyer about bankruptcy before you file for divorce may aid in addressing marital debt before the divorce process begins.
  • Issues with short sales — There are a number of pitfalls of short sales that individuals should be aware of before moving forward with a short sale.
  • Issues with foreclosures — Educating yourself on foreclosure issues, and foreclosure alternatives, can help you understand how a foreclosure may impact your life.
  • Medical bills and credit card debt — Both types of debt are considered unsecured and are dischargeable in bankruptcy.
  • What can be discharged and exemptions — A listing of types of dischargeable debts, and what constitutes secured and unsecured debts.
  • Life after bankruptcy — With the majority of your unsecured debt discharged, you can begin to build the life you want to build.

Contact a Jacksonville Personal Bankruptcy Lawyer

To learn more about the opportunity that bankruptcy offers in helping you get a fresh start, about filing Chapter 7 and 13, bankruptcy reorganization and rebuilding your credit, call (904) 396-5557 or use the online contact form to schedule your free initial consultation with one of our Jacksonville bankruptcy lawyers.