Helping Thousands of Gainesville Residents in Finding Financial Relief
The Law Offices of Justin McMurray, P.A. is an experienced bankruptcy and foreclosure defense firm that has served Gainesville residents for the past 13 years. Our attorneys have handled thousands of successful cases involving almost every bank and lender in the field and have lectured on real estate issues to realtors, mortgage brokers, and other lawyers on multiple occasions. We encourage you to come into our offices for a free consultation no matter what your situation may be. Our attorneys have handled all types of bankruptcy issues and are capable of providing the counsel and representation you need.
Bankruptcy Practice Areas
Don’t get confused by the bankruptcy laws in Florida. Hire an attorney from our firm to guide you step by step through the process and answer any questions and concerns you may have. We have extensive practice in all areas of bankruptcy law and can counsel you about how and when to file for bankruptcy. With our help, you can prepare for the means test so that you can determine your eligibility for bankruptcy. Depending on your results, you could qualify for Chapter 7, Chapter 13, or Chapter 11 bankruptcy.
Chapter 7 is for individuals with very little and unsteady income, or who have no income at all. All non-exempt assets will be liquidated to repay as much of the debt as possible, making it very important to hire a lawyer who understands the exemptions in Florida, since they vary from those listed in the United States Bankruptcy Code. Chapter 13 is also for individuals, but allows you to negotiate a repayment plan for the next three to five years, after which your remaining debt is discharged. Chapter 11 bankruptcy is for businesses and allows them to reorganize their debts without closing their doors.
When you file for bankruptcy, it appears on your credit report for 10 years. The benefits far outweigh the damages, however, since you will be able to rebuild your credit almost immediately after you file, so don’t worry too much about bankruptcy and your credit score. Instead, speak with a lawyer to find out if any alternatives to bankruptcy are possible in your situation. Our team could help you negotiate a loan modification or purse debt settlement to resolve your issue. We also provide aggressive collections defense in case you are suffering from wrongful wage garnishment or other violations of your consumer rights under the Fair Debt Collection Practices Act (FDCPA). Contact our offices as soon as possible to learn how we can help you find relief from debt collection abuse, as well as from your overwhelming debts. There is the chance of a better life after bankruptcy, and we can help you pursue it!
Hire a Bankruptcy Lawyer in Gainesville Today
If you are struggling under your unmanageable debts and are concerned about losing your home and everything you own, consult with an attorney from The Law Offices of Justin McMurray, P.A. right away. Our team of lawyers has assisted countless Floridians with making educated and beneficial decisions regarding bankruptcy and their financial situations. We know that you are in a difficult and confusing situation, and our goal is to help you find your way out. Our attorneys are knowledgeable and experienced and have instructed realtors, brokers, and other attorneys about real estate issues. Contact our firm today to speak with a Gainesville bankruptcy lawyer and get started on resolving your financial situation. We offer a free initial consultation and affordable flat rates with flexible payment plans.