When You’re Overwhelmed By Debt, We Can Guide You Through Bankruptcy & Help You Get Back On Your Feet.
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ET US HELP YOU UNDERSTAND YOUR OPTIONS FOR DEBT RELIEF
Many people from all walks of life struggle with debt management. Doctors, office workers, secretaries, construction workers, small business owners and countless others who, for a variety of reasons, have been overwhelmed by debt.
At Hector Hernandez & Associates, P.A. we handle over 1,000 bankruptcies a year for Miami, Florida clients from all walks of life in various financial situations.
Generally, there are two main types of bankruptcies available. Which option is right for you will depend on your circumstances and goals.
CHAPTER 7 BANKRUPTCY:We primarily help clients file for Chapter 7 bankruptcy. With this type of bankruptcy, individuals – even small business owners – can seek to discharge credit card debt, medical bills and other types of loans. The process takes as little as 90 days to complete. Once the discharge is approved, individuals are relieved of most of the debt they have been carrying for years.
CHAPTER 13 BANKRUPTCY:
In some cases, Chapter 13 bankruptcy may be a better option, especially for homeowners. Under Chapter 13, a person’s debt load is restructured. A monthly payment plan is established whereby the individual makes monthly payments, as determined by a bankruptcy trustee, over a period of three to five years.There are important differences between Chapter 13 and Chapter 7, with benefits and disadvantages to each.
At Hector Hernandez & Associates, P.A. we can offer guidance on the best bankruptcy option for your situation.
REGAIN CONTROL OF YOUR FINANCIAL AND EMOTIONAL WELL BEING.
If you are facing daily harassment from creditors, wage garnishments or foreclosure proceedings, contact an experienced Miami bankruptcy attorney for help.
We can help you restore your financial future and work to improve your life. Our attorneys have helped thousands of people in your same situation. Let us help you.
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With experience in a wide array of practice areas, Hector Hernandez & Associates, P.A will handle your legal issues withcare and professionalism.
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