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Gainesville Bankruptcy Attorney & Gainesville Bankruptcy Lawyer

Should I File for Bankruptcy?

Struggling to pay your monthly bills? Being harassed by your creditors?  Are foreclosure, wage garnishment, or repossession of your assets real possibilities for you?  Then filing bankruptcy in Gainesville could be an option.

Gainesville bankruptcy offers two different forms of bankruptcy that will get you different results and follow different rules.  The first and most common form of bankruptcy is Chapter 7 bankruptcy, which is a liquidation bankruptcy.  The second form of bankruptcy is Chapter 13 bankruptcy, which is a repayment form of bankruptcy.  Chapter 7 and 13 follow specific laws and regulations that are unique to each state, so it is important to work with a local Florida Bankruptcy Attorney when you are considering filing for bankruptcy.  An experienced bankruptcy lawyer in Gainesville FL can help you understand what your options may be and help you decide if bankruptcy is your best choice.

Determining if filing chapter 7 vs chapter 13 is right for you can be a difficult decision.  With chapter 7 bankruptcy you will be able to eliminate all of your unsecured debtt.  While chapter 13 will allow you to pay off some of your debt and eliminate the remaining debt.  Asking yourself the following questions can help determine if filing bankruptcy may be an option for you:

  • Are you being harassed by your creditors?
  • Are you facing repossession, wage garnishment, or a pending lawsuit?
  • Are you facing foreclosure, dealing with a second mortgage, or own unwanted real estate?
  • Can you afford to lose personal assets, retirement savings, or your home?

If you feel like you may be a candidate to file bankruptcy in Gainesville, you can take the Means Test to determine if you qualify for chapter 7 or chapter 13 bankruptcy based on your income level.

If I File Bankruptcy Will My Creditors Stop Harassing Me?

Yes.  When your Bankruptcy Lawyers in Gainesville has filed a bankruptcy petition in court on your behalf, the law declares that any and all creditors must stop contacting you to collect the debt.  All of your creditors will receive a notification that you have filed for bankruptcy and will be forced to follow the no-contact policy.

What Affect Does Bankruptcy Have on My Credit Score?

Filing for bankruptcy does have a negative affect on your credit score, but the affect does not permanently damage your chances to have good credit in the future.  Bankruptcy will stay on your credit history for ten years, but it is possible to improve your credit score following bankruptcy in a few years, and many people are able to re-establish their credit with careful financial management.  Many people experience a 150 to 200 point drop in their credit score following filing for bankruptcy, but the one time drop in points can be better than years of not paying your bills and slowly dropping your score.

Each and every individual situation is unique and may provide different options, so meeting with a Gainesville FL bankruptcy attorney will help you get the help that your situation calls for. 

We Always Offer a Free Consultation!

Call our offices toll free at (352) 519-4299 or fill out the form to the right of this page and we will contact you to set up your free consultation today.

Law Offices of Justin McMurray, P.A

2135 NW 40th Terrace,Suite C
Gainesville, FL 32605

Phone: (352) 519-4299 Facsimile: (866) 796-2242

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Gainesville Bankruptcy Office:

Law Offices of Justin McMurray, P.A.
2135 NW 40th Terrace, Suite C
Gainesville, FL 32605
Phone (352) 519-4299 Fax (866) 796-2242

Other Office Locations:

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