Is Bankruptcy Right for You?

5 Stars


"When I had my appt I went in very nervous and stressed. When I walked out the door I felt that a weight was lifted off of my shoulders."

Schedule Free Evaluation

Free Case Evaluation: 3 Easy Steps



Complete our simple online questionnaire



Schedule a free consultation with one of our Attorneys



Receive individualized solutions tailored to your situation

Helping People Retain Property

When you file a petition with the bankruptcy courts you may not be able to retain all of your assets. While much of your property will be exempt from creditors, other items could be repossessed. If there are vehicles or other property you wish to retain, you may have the option of reaffirming the debt. An experienced bankruptcy attorney can help you decide whether to keep certain assets and how to do this with minimal negative consequences, both financially and legally.

At Englett and Associates, we know the stress and uncertainty you face as you work to find solutions for overwhelming debt. Whether your financial difficulties stem from loss of employment, illness, or heavy credit card use, we want to help. Only when you confront financial issues and take steps to make changes, will you begin the recovery process necessary to rebuild credit, and your future.

What Is Debt Reaffirmation?

When filing for bankruptcy, whether Chapter 7 or Chapter 13, any prior contract made between you and your creditors is essentially void. Within bankruptcy, however (usually Chapter 7) there is still an opportunity to keep some of your property, rather than allow it to be repossessed and sold at auction. Many people need their car to continue to work, so it is common for individuals to request reaffirmation of auto loans.

How Reaffirmation Works

In general your assets are reaffirmed according to the original contract and under the same terms. Reaffirmation of debt is not automatic and must be approved by the Court. They will examine the value of the property, your income, and expenses. If they allow reaffirmation, you will have 60 days to change your mind before the agreement becomes permanent. Once you reaffirm debt you will be required to make payments on time according to the terms of the loan. If you fall behind, your lender has the right to actively pursue collection on the account, and even repossess the property if necessary.

Consumers who file bankruptcy may choose to reaffirm debts such as:

Recreational vehicles including motorcycles, boats, and ATV’s

As a standard rule some creditors are more likely to repossess property than others. If your loan is held by one of these aggressive lenders, debt reaffirmation can work to your advantage. As long as you make the agreed upon monthly payments on time, the lender cannot repossess your property.

When you visit our office, Englett and Associates will honestly assess your credit situation and advise you whether reaffirmation of debt is right for you. We will review the potential consequences of every option involving debt relief.

To find out more about secured debt and reaffirmation, consult with one of our Englett and Associates at, (855) 215-2280.

We offer debt relief solutions in compliance with U.S Bankruptcy Code.

Our Locations


150 North Orange Avenue

Suite 303B

Orlando, Florida 32801

(407) 455-7359

Get Directions


100 South Ashley Street,

Suite 600

Tampa, Florida 33602

(813) 496-7375

Get Directions

Fort Lauderdale

888 South Andrews Avenue

Suite 302

Fort Lauderdale, Florida 33316

(954) 334-7776

Get Directions

Fort Myers

5237 Summerlin Commons Blvd

Suite 305

Fort Myers, Florida 33907

(239) 275-2279

Get Directions

West Palm Beach

324 Datura Street

Suite 150

West Palm Beach, Florida 33401

(561) 847-7721

Get Directions

St. Petersburg

970 Lake Carillon

Suite 356

St. Petersburg, Florida 33716

* By Appointment Only*

(727) 497-6076

Get Directions


Lakeland 1102 S. Florida Ave

Suite 121

Lakeland, Florida 33803

* By Appointment Only*

(863) 327-1724

Get Directions


6767 North Wickham Road

Suite 400

Melbourne, Florida 32940

* By Appointment Only*

(321) 460-1646

Get Directions


120 South Woodland Boulevard

Suite 203

DeLand, Florida 32720

* By Appointment Only*

(386) 626-0011

Get Directions


1415 Panther Lane

Suite 374

Naples, Florida 34109

* By Appointment Only*

(239) 201-2527

Get Directions


3350 SW 148th Ave.

Suite 110

Miramar, Florida 33027

(305) 967-6361

Get Directions


50 North Laura St

Suite 2566

Jacksonville, Florida 32202

(904) 224-1522

Get Directions