Helping Thousands of Florida Residents for More Than a Decade
No one ever expects to file for bankruptcy, and most people do everything they can to avoid it. What many people fail to realize is that bankruptcy has many benefits for consumers who would otherwise face foreclosure and the loss of other valuable possessions. Those potential benefits are why the attorneys at The Law Offices of Justin McMurray, P.A. encourage you to speak with a lawyer if you are struggling with overwhelming debt. Our firm has a detailed understanding of federal bankruptcy laws and can evaluate your case to determine whether or not you need to file for bankruptcy or if any alternative options are possible to resolve your debts.
Florida has the highest foreclosure rate in the country today, which means that you cannot afford to hire less than the best counsel to fight foreclosure. Bankruptcy could be the most effective way for you to get out from under your debts and start over fresh. Our firm offers a free initial consultation and encourages consumers to take advantage of the offer to learn about our extensive experience and affordable flat-rate fees. We handle each client's situation on a case-by-case basis and will work with you to come up with a plan that meets your needs and achieves the best possible results.
Learn the right time to file for bankruptcy with our help.
Bankruptcy Cases We Handle
The Law Offices of Justin McMurray, P.A. has extensive experience assisting individuals, families, and businesses in filing for bankruptcy. Anyone who is considering filing for bankruptcy must first pass means test to determine whether or not their disposable income is lower than the national average. As an individual or family, you may be eligible to file under Chapter 7 or Chapter 13 of the U.S. Bankruptcy Code.
Chapter 7 is available for people without steady income and liquidates your non-exempt possessions and assets to repay as much of your debt as possible before the rest is discharged. There are exemptions in Florida that will be spared from liquidation. Chapter 13 is available for those with little, but steady income who can afford a temporary, adjusted payment plan over three to five years, after which the remainder is forgiven. Chapter 11 allows businesses to restructure their debt without affecting business or stockholders.
Our legal team can assist you in determining when to file for bankruptcy, as well as how to file for bankruptcy. If it is not the best option for you, we also assist clients in pursuing alternatives to bankruptcy such as debt settlement or debt negotiation. Our attorneys also provide aggressive collections defense and can defend your consumer rights under the Fair Debt Collection Practices Act (FDCPA) so that you are not the victim of unfair practices, such as wrongful wage garnishment.
Bankruptcy and Your Credit Score
Perhaps you are concerned about bankruptcy and your credit score. It is true that bankruptcy will appear on your credit report for 10 years after you file; however, consumers' credit scores are usually extremely low when they file, meaning that bankruptcy will likely have little additional effect. In fact, bankruptcy could give them a chance to eliminate their debts once and for all and start rebuilding their credit score from the bottom up. There is life after bankruptcy!
Foreclosure Defense in Florida
With foreclosure rates as high as they are in Florida today, do not hesitate to retain an aggressive foreclosure defense lawyer from our firm. We understand Florida's foreclosure laws in detail and can counsel you on how to avoid foreclosure, as well as how to stop foreclosure. We do as much as we can to assist clients in pursuing alternatives to foreclosure that have less impact on their credit score, such as loan modifications or even deeds in lieu or short sales, but there are times when foreclosure is the best option.
Our team of skilled attorneys will guide you through the foreclosure process and ensure that your rights under the Truth in Lending Act are not violated. We provide capable defense against predatory lending and other wrongful acts. You only have 20 days to respond to a foreclosure notice to contest the action, so don't wait. Our firm has practiced extensively in real estate law and foreclosure and has what it takes to succeed in fighting your foreclosure. Contact our firm today to set up your complimentary consultation!
Contact a Bankruptcy & Foreclosure Defense Lawyer
For more than a decade, our team of attorneys has provided capable representation for homeowners in the Jacksonville area. Our attorneys regularly instruct and lecture realtors, mortgage brokers, and other attorneys on real estate issues in Florida. You can trust our experience and ability to obtain results! Contact us today to speak with a Jacksonville bankruptcy and foreclosure defense attorney from The Law Offices of Justin McMurray, P.A.