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Filing A Bankruptcy in Jacksonville, Florida
You can't pay your bills, Can You?
That's why you're here on this website.
You want to find out if filing a Chapter 7 Bankruptcy, Chapter 13 Bankruptcy may be the answer to your problems. I am a Jacksonville, Florida Bankruptcy Attorney with over 25 years experience. I will discuss with you how to file a Bankruptcy claim, what the difference is between filing a Chapter 7 Bankruptcy and a Chapter 13 Bankruptcy. I can also tell you how filing for Bankruptcy can save your home, your car, and stop creditors from calling and the IRS from garnishing your wages, or applying for a tax lien against your property.
My name is D.C. Higginbotham and I am a life-long resident of Jacksonville, Florida. I am a graduate of the University Of Florida School Of Law and served 4 years in the U.S. Marine Corps as a Judge Advocate General. I am a practicing bankruptcy attorney specializing in filing Bankruptcy Chapter 7 and Chapter 13 exclusively. Give me a call today for your free initial consultation by phone or in person.
When you have your free initial consultation, by phone or in person, it will be with me. We will discuss how to file a bankruptcy. What is the difference between a Chapter 7 bankruptcy and a Chapter 13 bankruptcy and what a Bankruptcy Lawyer will accomplish for you when filing a bankruptcy. I will ask you detailed questions about your financial situation and problems, answer your questions, and tell you how filing a bankruptcy will work in your case. This consultation will normally take 30 to 60 minutes.
Thereafter, if you decide to file bankruptcy and you need a Bankruptcy Attorney then Douglas C. Higginbotham will be the bankruptcy lawyer you are looking for. We will make another appointment to actually start the process for you. You will meet with your Bankruptcy Lawyer to start the filing of your bankruptcy. I will then draft all the necessary bankruptcy papers which will be ready for you to sign in a few days.
Some other bankruptcy Attorney Law firms may let you meet with an actual lawyer only one time, at the initial consultation, and then you are assigned to a "paralegal" who actually prepares all the bankruptcy papers, supposedly under the lawyer's "oversight". This is not the way it should be done and not the way I do it. After filing your Chapter 7 or Chapter 13 bankruptcy, your Bankruptcy Attorney will continue to make himself available to answer any questions you may have as your case progresses.
Bankruptcy lawyers are notorious for not returning phone calls and being unresponsive to clients. My office does not operate like that. Although my staff is very knowledgeable and can usually answer many routine questions you might have, anytime you feel the need to talk directly to me I will be available to answer all of your questions or concerns.
Types of Bankruptcy:
This is the simple, basic form of bankruptcy. It eliminates most kinds of unsecured debts, such as credit cards and medical bills. It will not stop a foreclosure of your home or repossession of your vehicle if you are behind in payments.
You can keep certain kinds and quantities of assets. Chapter 7 stops garnishments and lawsuits.
Not everyone is eligible to file Chapter 7. You may earn too much money to qualify.
This is a reorganization form of bankruptcy, and generally lasts 3-5 years. Chapter 13 is often used to stop foreclosure of your home or repossession of your vehicles. It can allow you to resume making your regular mortgage payments and gradually get caught-up in arrearages on your mortgage. If you have a second mortgage, you may be able to "strip" it, treat it as an unsecured debt, and end up paying little or none of it. (NOTE: This can only be done in Chapter 13, not in Chapter 7).
You may own real estate that you do not want to keep. Filing Chapter 13 may allow you to surrender such property and prevent the mortgage holder from pursuing you for any deficiency.
If you owe income taxes, Chapter 13 will stop IRS levies and let you pay the debt over a 5-year period.
Chapter 13 generally allows you to keep and pay for things you want to keep (such as houses and vehicles), get rid of things you don't want to keep, and, in many cases, pay little or none of your unsecured debts such as credit cards, signature loans, and medical bills.
This is a reorganization form of bankruptcy for corporations, or individuals with very large (over $1,000,000) secured debts (mortgages, etc.) or very larger (over $350,000) unsecured debts.
For more information on Filing For Bankruptcy please visit us.
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