Edward G. Seitz, P.L.
Attorney at Law

FAMILY LAW - Chapter 7 BANKRUPTCY - DIVORCE - Pensacola, FL
CHAPTER 7 BANKRUPTCY

I have been representing individuals in the Northern District of Florida Bankruptcy Court since 2002 and have successfully filed hundreds of Chapter 7 Bankruptcy cases.  I am committed to keeping the fees and costs reasonable because I understand that individuals contemplating Bankruptcy are experiencing financial hardships.
ATTORNEY FEES FOR CHAPTER 7 BANKRUPTCY
Fees charged for Chapter 7 Bankruptcy can be paid through payment plans with as little as $250.00 paid up front to start the process.  The initial consultation is FREE and can be scheduled by calling the office at 433-2332.

INDIVIDUAL BANKRUPTCY
- STARTING AT $800.00
plus filing fees and costs

JOINT BANKRUPTCY(Husband and Wife)- STARTING AT $950.00 plus filing fees and costs



CHAPTER 7 BANKRUPTCY MAY:
  • ELIMINATE CREDIT CARD DEBT
  • ELIMINATE MEDICAL BILLS
  • ELIMINATE OTHER UNSECURED DEBT
  • HELP YOU TO KEEP YOUR HOME
  • HELP YOU TO KEEP YOUR VEHICLE
  • KEEP MOST OTHER PERSONAL PROPERTY
  • MAY DELAY AND/OR AVOID FORECLOSURE ON YOUR HOME OR PROPERTY
If your home is in foreclosure or you are experiencing financial problems then call today for a FREE consultation with Edward G. Seitz, Attorney at Law, to learn more details about filing for bankruptcy.

If you are you considering filing Bankruptcy you should contact our office for a FREE CONSULTATION to learn more about how bankruptcy may be able to help you in your financial situation.  More than a million people each year file for bankruptcy and many more are in a position where they should consider it. While nobody wants to file bankruptcy, circumstances beyond your control often contribute to financial difficulty that ultimately leads to filing bankruptcy.  The following is a sample of some of the problems that people face every day:

  • Unforeseen Medical Problems - the high cost of medical care for an unexpected health crisis, even for those people that have insurance, will often leave an individual with a loss of income or exorbitant medical bills.
  • Job changes or loss - in today's economy layoffs, downsizing and outsourcing will often place an unexpected financial hardship on families resulting in bankruptcy.
  • Divorce - one of the unfortunate byproducts of divorce can be financial difficulty of one or both of the separate households.  Often times individuals following a divorce find themselves in a situation where one set of expenses are now two set of expenses with the same amount of income.  
  • Death or Disability - death or disability of a breadwinner in a family can have a devastating impact on the family finances.
  • Other legal or personal problems - many situations, including problems beyond your control, can lead to financial problems and stress that can be alleviated by filing for bankruptcy protection.

Bankruptcy is not something to be feared or ashamed of.  It is a part of the American legal system to help good people deal with bad situations.


GENERAL BANKRUPTCY INFORMATION:

Bankruptcy law is the area of federal law that deals with the handling of bankrupt persons or businesses. Florida bankruptcy laws explain the federal bankruptcy process and common issues pertaining to residents of Florida.

According to Florida bankruptcy law, a permanent resident of Florida can file bankruptcy in a Florida bankruptcy court. Florida has three bankruptcy courts, one in every bankruptcy district. They are Florida middle bankruptcy court, Florida northern bankruptcy court, and Florida southern bankruptcy court. All counties in Florida come under one of these bankruptcy courts. Bankruptcy has to be filed in the district of residence.

Most bankruptcy claims are personal claims that come under Chapter 7 and 13 of the federal bankruptcy law. Chapter 7 is also named liquidation or straight bankruptcy. Chapter 13 bankruptcy is known as a wage-earner plan. When a Chapter 7 or Chapter 13 bankruptcy is filed, a trustee takes all the non-exempt property and sells it for the benefit of the creditors. But exempted property cannot be taken. Florida bankruptcy laws make determinations regarding non-exempt and exempt property. If Florida bankruptcy laws render a person ineligible for any exemption, he is allowed to choose federal exemptions.

Florida bankruptcy laws deviate from the federal bankruptcy law mainly with regard to exempted property. Properties that can be exempted are generally properties that an individual may keep when filing Chapter 7 Bankruptcy.  Exempt property of an individual filing bankruptcy may vary depending on your situation.  It is best to consult with an experienced attorney to find out what property you may be able to keep in a bankruptcy.

The new bankruptcy law, effective from October 17, 2005, makes filing bankruptcy cases more complicated. It incorporates impediments to filing bankruptcy, new court rules, new forms, and additional work for debtors and attorneys. According to the new bankruptcy law, the Florida exemption law is applicable to your bankruptcy only if you have resided for two years in Florida, immediately prior to the filing date. If you have not resided in Florida for at least two years prior to filing your bankruptcy then more complicated rules apply to your case.  Again, it is best to consult with an experienced attorney as there can be many nuances in the bankruptcy laws that apply to your case.

Bankruptcy may be the only solution for extreme financial hardship. At the end of the bankruptcy proceedings, the court discharges the borrower from the debts. The bankrupt person can start all over again with a clean financial slate, but a record of bankruptcy will remain on his credit profile for up to ten years. 

To schedule your free consultation regarding your Chapter 7 Bankruptcy case in Pensacola, Milton, Gulf Breeze, and the surrounding area, call 433-2332.


The hiring of a lawyer is an important decision that should not be based solely upon advertisements. Before you decide, ask us to send you free written information about our qualifications and experience.  We are a Designated Debt Relief Agency under Federal Law and We Provide Legal Assistance to Consumers Seeking Relief Under the Bankruptcy Code.

 

Representing clients in Family Law, Divorce, Child Custody, Child Support, and Chapter 7 Bankruptcy in Escambia and Santa Rosa County (Pensacola, Milton, Gulf Breeze, Ft. Walton Beach and surrounding areas)
CALL TODAY FOR A FREE CONSULTATION!

850 433-2332


1315 West Garden Street
Pensacola, FL 32502

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