The Villages Foreclosure Defense Attorney in Gainesville
The Villages is home to about 50,000 Florida residents.People who go there are typically seeking tobuy or build thehome they have always wanted that is nestled ina friendly community. The Villages offers easy access for people to enjoy recreation and shop at their favorite stores. One can eat at fun bistros as well as great restaurants. There are also opportunities for religious observance, physical fitness, and continued learning. One can regularly enjoy live entertainment, and The Villages further hosts parades and festivals on notable occasions. Many people have earned the right to enjoy life to the fullest, and often it has come through dedicatedwork and responsible financial management. At any time in life, however, you can suddenly find yourself in overwhelming debt, and often times it is through no fault of your own. It is at these times of financial trouble that you need a knowledgeable and skilled bankruptcy attorney. Bankruptcy may the right course of action to protect your financial future, and it may even be a means to ward off foreclosure.
Do you need to file for bankruptcy in The Villages, Florida
According to a Harvard study, the number one people file for bankruptcy is medical bills. A sudden and/or prolonged illness or injury can set anyone back, and there is only so much someone can do about medical emergencies. If unexpected life events have taken you by storm, then bankruptcy may be a viable course to finding financial stability again. Unsecured debt such as medical bills and credit card bills can be discharged. In fact, there are many benefits to bankruptcy, including debt relief and the potential to ward off foreclosure.Bankruptcy can also offer a solution to creditor harassment and illegal debt collection practices. When you file for bankruptcy, an “automatic stay” goes into effect, which means that most creditors cannot collect from you, and foreclosure cannot close, until bankruptcy is finished. The months or years that the automatic stay buys you can be enough to satisfy all your creditors and to keep up on your mortgage. The length of the automatic stay depends on whether you file for Chapter 7 or Chapter 13 bankruptcy.
At The Law Offices of Justin McMurray, P.A., you can learn if you qualify for bankruptcy and also how to file for bankruptcy. It is also important to understand the difference between Chapter 7 and Chapter 13 bankruptcy. With a bankruptcy attorney in The Villages, you can learn how your property can be protected when you file, as exemptions are one way to protect your home and car. In fact, under Chapter 13 bankruptcy, you are very likely to keep everything you own. Our bankruptcy attorney can equip you with knowledge of how to protect everything for which you have worked so hard.
How bankruptcy can affect your credit score is another key factor to know before you take any actions toward debt relief. You can determine if bankruptcy is right for you, or if you should seek alternatives to this legal procedure.We can help you negotiate with creditors, and may even be able to buy you time to catch up on payments, or to arrange a better payment plan for you. Our bankruptcy attorney at The Villages can discuss all your options, guiding you toward the best course of action.For many, bankruptcy is just the beginning. It can be the road to financial recovery, as life after bankruptcy can mean a fresh start.
Learn How to Defend Against Foreclosure in The Villages
A skilled foreclosure defense attorney can help you understand the whole process, and whether some alternatives may help you cut your losses. For some, a deed in lieu or a short sale can be a better option than foreclosure. Even though you may have to give up your house, your credit score may not take as big of a hit. For many, it is possible to stop foreclosure altogether. Loan modification is possible for some people, and you may have some protections against predatory lending from such legislation as the Truth in Lending Act. Learning more about how to avoid foreclosure from a professional at our firm may even help you save your house. Involving many complex legal procedures, there are many factors addressed in Florida’s foreclosure laws. One such law is that you have only 20 days to respond to your foreclosure notice. Time is of the essence, so you cannot delay in retaining the legal assistance you deserve.
The Villages Bankruptcy Lawyer from Our Firm Can Help You
Start taking steps toward debt relief and/or saving your house. You can start by filling out a free case evaluation online. Receive the legal counsel you need; call our bankruptcy and foreclosure defense firm to schedule your free consultation. We proudly serve The Villages and the surrounding areas of Florida. In addition, we provide our excellent services in Spanish as well as English.Our firm can strive to help you get back on your feet as you overcome debt. Do not delay a move to a healthier financial future. Contact The Law Offices of Justin McMurray, P.A. today!