The most difficult step in a bankruptcy is making the initial appointment for a free consultation with an attorney. Most people try to avoid this moment until it is too late. Do not wait until your wages or bank accounts are garnished. Usually, you can avoid this by meeting with a bankruptcy attorney as soon as you are having financial troubles.

Know your Rights under the Bankruptcy Code

At the Law Office of Alberto Hernandez, P.A., our goals is to get you a fresh financial start. Part of this is letting you know whether bankruptcy is the best option for you. We will give you all the information you need to make a decision after a consultation.

Much of the bankruptcy process is administrative and conducted away from the courthouse. The administrative process is carried out by a trustee who is appointed to oversee your Chapter 7 or Chapter 13 case.

Procedural Steps in a Bankruptcy

At the Law Office of Alberto H. Hernandez, P.A., we guide you every step of the way in filing your Chapter 7 or Chapter 13 bankruptcy. Our clients are happy to know an experienced attorney will be there every step of the way. We know that people want a process that is easy to follow.

The Process for Filing Your Bankruptcy

Most of the chapter 7 &13 bankruptcy cases in Florida follow this same process:

Evaluation of your case :

We first review your debts and income. We itemize your Income and Debt to make sure we are accurately presenting your current financial crisis to the court. We look at your monthly expenses and your debts– dischargeable and non-dischargeable, such as credit cards, loans or medical bills. We identify the valuables you want to protect in bankruptcy, such as homes and cars. We want you to be able to get a fresh new start. Your Naples Bankruptcy Attorney, Alberto H. Hernandez, will personally and thoroughly review your case to help you get the relief you need. Just like bankruptcy attorney san diego, we are highly recognized in the industry.

We first review your debts and income. We itemize your Income and Debt to make sure we are accurately presenting your current financial crisis to the court. We look at your monthly expenses and your debts– dischargeable and non-dischargeable, such as credit cards, loans or medical bills. We identify the valuables you want to protect in bankruptcy, such as homes and cars. We want you to be able to get a fresh new start. Your Naples Bankruptcy Attorney, Alberto H. Hernandez, will personally and thoroughly review your case to help you get the relief you need. Filing — We help you gather all the paperwork for filing your bankruptcy claim.

— We help you gather all the paperwork for filing your bankruptcy claim. “341 Meeting” Meeting With Creditors — A month after you file for bankruptcy, you must attend a meeting with your creditors often called a 341 meeting. In many cases, particularly if you have filed for Chapter 7, creditors do not even attend, and the entire meeting is complete in a matter of minutes. If you are challenged by creditors, we will be there at your side.

Many of our clients are relieved to find out they never have to go to court or see a judge. The meeting with creditors usually takes five minutes or less. Let us put a stop to your fears. Call today for a free consultation 239-200-4243. Speak with an experienced bankruptcy attorney that can help get the relief you need.