Fort Myers FL Bankruptcy Attorney
Nothing is more stressful than dealing with overwhelming debts. With your financial future on the line, getting your personal finances in order may seem impossible. Fortunately, a Fort Myers FL bankruptcy attorney can help.
At Ryan J. Really Attorney at Law PLLC, our experienced attorneys handle all types of bankruptcy cases. We will handle your case with the respect and determination it deserves. If you or your family find yourselves under insurmountable debts, please give us a call today.
Regaining Control of Your Finances
A Fort Myers FL bankruptcy attorney can help you discharge or reorganize all of your debts. We not only handle bankruptcy cases, but also offer alternatives to bankruptcy as well, such as debt negotiation. We will discuss the details of your case with you and find the best debt solution that suits your needs.
Our firm offers expertise in the following practice areas:
- Chapter 7 bankruptcy
- Chapter 13 bankruptcy
- Debt negotiation
- Foreclosure defense
- Personal bankruptcy
- Bankruptcy resources
- Small business bankruptcy
We have the legal expertise and resources needed to help you regain control of your personal finances.
Do You Qualify for Chapter 7 Bankruptcy?
Chapter 7 bankruptcy allows you to:
- Discharge nearly all of your debt
- End creditor harassment
- Attain debt relief quicker than most other forms of bankruptcy
To qualify for Chapter 7 bankruptcy, you will need to pass the means test. This test simply compares your disposable income to the average disposable income of other people in your current situation.
Speak to your Fort Myers FL bankruptcy attorney to see if you qualify for Chapter 7 bankruptcy, and whether this is the best option for you.
Is Chapter 13 Bankruptcy an Option?
With Chapter 13 bankruptcy you can reorganize your debts and repay them in a reasonable payment plan that spans three to five years. Some benefits to Chapter 13 bankruptcy include:
- Foreclosure defense
- Creditor harassment protection
- An affordable payment plan
- Debt discharge after your plan schedule expires
- Cramming down owed debt for repayment
Considering Chapter 13 bankruptcy? At Ryan J. Really Attorney at Law, LLC, an experienced Fort Myers FL bankruptcy attorney will explain eligibility requirements for Chapter 13 bankruptcy and will help you through the filing process.
Is Debt Negotiation Right For You?
Debt negotiation allows you to speak with your creditors in order to negotiate the amount owed and come up with a reasonable repayment strategy. However, there is a catch.
Many debt negotiation services do not consider your best interest. In fact, many of them will not employ smart and effective strategies to negotiate with your creditors. You should be aware of the following if you plan to use a debt negotiation service:
- Some debt negotiation services are not legitimate. The Federal Trade commission has documented cases of fraudulent debt relief operations that secretly lead people into more debt.
- Many organizations will claim to guarantee an agreement from a creditor to negotiate. In truth, a creditors agreement to negotiate can not be guaranteed.
- Even if the debt negotiation service gets a creditor to agree to negotiate, in many cases, they will not be able to settle all of your debts.
Because of the reasons above, we highly encourage you to speak to a Fort Myers FL bankruptcy attorney to see if debt negotiation is the best choice for you.
Defending Your Home From Foreclosure
If you are under heavy debt and are struggling to make payments on your mortgage loan, you may be at risk of losing your home. However, filing Chapter 7 or Chapter 13 bankruptcy can potentially hold off foreclosure. When you file for bankruptcy, the court will immediately issue an “automatic stay”, which will legally prevent any creditors from collecting.
Our attorneys will provide you with the best foreclosure defense options available, including:
- Modifying mortgage
- Mitigating loss
- Defeating the 20-day foreclosure clock
If you are at risk of facing foreclosure, speak to a Fort Myers FL bankruptcy attorney at Ryan J. Really Attorney at Law, LLC, to help protect your home.
Defending Small Businesses
If you own a small business and face massive amounts of debt, you may need a fresh start. Though there are generally two types of bankruptcy options available to small businesses, our attorneys will handle each case on an individual basis. The two major types of options available are:
- Chapter 7: often called “liquidation” bankruptcy, in which assets are sold to pay off creditors and the business is disbanded.
- Chapter 11: restructuring bankruptcy where debts are reorganized to pay off creditors over time.
Whether you’re looking to reorganize your business or liquidate your assets, a Fort Myers FL bankruptcy attorney is here to help.
Speak to a Fort Myers FL Bankruptcy Attorney Today
At Ryan J. Really Attorney at Law, LLC, we pride ourselves on our commitment to our clients on helping them recover from their debts. If you are buried by insurmountable debt, you have options. Call us today to speak to a Fort Myers FL bankruptcy attorney who can provide you with expert legal guidance.