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Jacksonville Bankruptcy & Foreclosure Defense Attorney

Gainesville Chapter 7 Lawyer

About Chapter 7 Bankruptcy

When most people think of bankruptcy and the ability to have most or all of one's debts discharged within a few months, they are thinking of Chapter 7 bankruptcy. Chapter 7 is also known as liquidation bankruptcy because part of the process is for the bankruptcy trustee - a court representative - to attempt to sell off items and assets from the debtor's estate, with the goal of paying back the individual's creditors. Most Chapter 7 bankruptcies are no-asset cases, meaning that the debtor does not lose anything thanks to the generous exemptions in Florida.

Chapter 7 Eligibility Requirements

In order to qualify for Chapter 7, you must be able to pass the means test, which was instituted by the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005. To put it simply, you must be able to prove that your income is insufficient to support the burden of your debt. A Gainesville Chapter 7 attorney from The Law Offices of Justin McMurray, P.A. can assist you with preparing your case and can bring your petition to the court and represent you throughout the process. With success, most or all of your unsecured debts will be discharged within a period of only a few months, leaving you free to make a fresh start financially and to enjoy your life after bankruptcy.

Take Your First Steps Now by Contacting Our Firm

The first action to take is to contact our firm for a free case evaluation. We can review your current financial situation to determine whether this is the best course of action or if you would be better off pursuing one of the many alternatives to bankruptcy, as well as ascertaining whether you will be eligible for Chapter 7. Even if you are not, we can still assist you with a petition for Chapter 13, which takes longer but has its own advantages.

Gainesville Bankruptcy & Foreclosure Defense Attorney

The Law Offices of Justin McMurray, P.A.
2135 NW 40th Terrace, Suite C
Gainesville , FL , 32605
(888) 316-2131
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