Is Bankruptcy Right for You?

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Chapter 7 Bankruptcy

Sometimes, despite all your best efforts you still struggle to pay off medical bills, credit card accounts and other financial obligations. If you’ve reached this point it may be time to consider filing a Chapter 7 bankruptcy to get relief from unpaid debt, and get you back on track financially.

By filing Chapter 7 bankruptcy many of your debts will be discharged including hospital bills, credit cards, judgments and unsecured loans. Englett and Associates is one of the largest debt relief law firms in the country and work to help clients get the debt relief they need through a variety of solutions. Our attorneys have been serving clients together since 1999 and proudly work to help people regain freedom from debt and restore financial well-being once again.

Our attorneys would like to discuss your individual financial situation with you. Contact us at (855) 215-2280 to set up a free consultation to explore Chapter 7 bankruptcy or other legal remedies available.

Who Qualifies for Chapter 7 Bankruptcy?

To qualify for Chapter 7 bankruptcy under new bankruptcy laws, you either have to be under the “median income” for your geographical location or pass a “means test”. The means test takes into consideration and your expenses such as retirement income contributions or auto loan payments.

While some of our clients have been told they don’t qualify for Chapter 7 bankruptcy based on the means test, we’ve been able to determine it wasn’t performed properly and the client actually does qualify pursuant to it. Even if you don’t qualify to file for Chapter 7, you may still be able to file Chapter 13 bankruptcy.

Debt to be Discharged

Certain types of debt cannot be discharged through a Chapter 7 bankruptcy. These include child support, some tax debt, and secured loans tied to property such as your home or auto. In this case however, you can retain assets by making monthly payments and filing for reaffirmation of the debt through the courts.

My Assets and Chapter 7 Bankruptcy

A Chapter 7 bankruptcy is also known as “liquidation” bankruptcy since the trustee assigned to your case can seize certain assets you own to payoff your creditors. Under Florida bankruptcy law, certain property is exempt such as, your home’s equity and up to $1000 of equity in your auto or other personal property, ($4000 if you have not filed for Florida’s homestead exemption). Our attorneys are skilled at helping clients to retain assets through exemptions.

Additional Chapter 7 Benefits

While Chapter 7 bankruptcy eliminates unsecured debt for clients, it can also halt the process of the following:

Foreclosure of your home
Eviction from a rental residence
Wage garnishment
Repossession of an auto or other asset
Harassment by creditors

Our Locations

Orlando

150 North Orange Avenue

Suite 303B

Orlando, Florida 32801

(407) 455-7359

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Tampa

100 South Ashley Street,

Suite 600

Tampa, Florida 33602

(813) 496-7375

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Fort Lauderdale

888 South Andrews Avenue

Suite 302

Fort Lauderdale, Florida 33316

(954) 334-7776

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Fort Myers

5237 Summerlin Commons Blvd

Suite 305

Fort Myers, Florida 33907

(239) 275-2279

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West Palm Beach

324 Datura Street

Suite 150

West Palm Beach, Florida 33401

(561) 847-7721

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St. Petersburg

970 Lake Carillon

Suite 356

St. Petersburg, Florida 33716

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(727) 497-6076

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Lakeland

Lakeland 1102 S. Florida Ave

Suite 121

Lakeland, Florida 33803

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(863) 327-1724

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Melbourne

6767 North Wickham Road

Suite 400

Melbourne, Florida 32940

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(321) 460-1646

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DeLand

120 South Woodland Boulevard

Suite 203

DeLand, Florida 32720

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(386) 626-0011

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Naples

1415 Panther Lane

Suite 374

Naples, Florida 34109

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(239) 201-2527

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Miami

3350 SW 148th Ave.

Suite 110

Miramar, Florida 33027

(305) 967-6361

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Jacksonville

50 North Laura St

Suite 2566

Jacksonville, Florida 32202

(904) 224-1522

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