CHAPTER 7
Fort Lauderdale Bankruptcy Lawyer
Chapter 7
Do you cringe every time the telephone rings? Are you constantly checking your caller ID for collection agencies? Do you hate going to the mailbox?
If you wish you could start over again and get a fresh start, be assured you can. Contact the Law Office of Carmen G. Soto, PA, a Fort Lauderdale Bankruptcy Lawyer practicing in Broward County, Dade County and Palm Beach County.
We will assist you in filing for bankruptcy that will mean that legally those harassing collection efforts must cease. Collectors are well aware that they are to cease all efforts of collection once you have filed, even though that does not mean they will do so. Violating what is called the “automatic stay” has serious consequences that collection agencies do not want to experience. Bankruptcy laws as well as the Florida Collection Practices Act have strict rules that they must adhere to. Contact the Law Office of Carmen G. Soto, PA, a Fort Lauderdale Bankruptcy Lawyer practicing in Broward County, Dade County and Palm Beach County.
Chapter 7 is the type of bankruptcy preferred by most filers, but not everyone qualifies. In October 2005 because some people in the past had taken advantage of the lenient rules the laws changed making it a bit harder to file Chapter 7. Now all filers must first pass a “means test”. First, your income is compared to what each state considers to be an average income and if needed your income is then compared on a debt to income basis. If your income ratio is too high, you may be required to file to reorganize and repay your debt under Chapter 13. . Contact the Law Office of Carmen G. Soto, PA, a Fort Lauderdale Bankruptcy Lawyer practicing in Broward County, Dade County and Palm Beach County.
The Bankruptcy Law Office of Carmen G. Soto, P.A. handles bankruptcy cases in Fort Lauderdale, Plantation, Miramar, Pembroke Pines, Sunrise, Oakland Park, Tamarac, Hollywood, Hallandale, Margate, Weston, Wilton Manors, Miami, Hialeah, Miami Beach, Coral Gables, and all of South Florida.
Chapter 7
Do you cringe every time the telephone rings? Are you constantly checking your caller ID for collection agencies? Do you hate going to the mailbox?
If you wish you could start over again and get a fresh start, be assured you can. Contact the Law Office of Carmen G. Soto, PA, a Fort Lauderdale Bankruptcy Lawyer practicing in Broward County, Dade County and Palm Beach County.
We will assist you in filing for bankruptcy that will mean that legally those harassing collection efforts must cease. Collectors are well aware that they are to cease all efforts of collection once you have filed, even though that does not mean they will do so. Violating what is called the “automatic stay” has serious consequences that collection agencies do not want to experience. Bankruptcy laws as well as the Florida Collection Practices Act have strict rules that they must adhere to. Contact the Law Office of Carmen G. Soto, PA, a Fort Lauderdale Bankruptcy Lawyer practicing in Broward County, Dade County and Palm Beach County.
Chapter 7 is the type of bankruptcy preferred by most filers, but not everyone qualifies. In October 2005 because some people in the past had taken advantage of the lenient rules the laws changed making it a bit harder to file Chapter 7. Now all filers must first pass a “means test”. First, your income is compared to what each state considers to be an average income and if needed your income is then compared on a debt to income basis. If your income ratio is too high, you may be required to file to reorganize and repay your debt under Chapter 13. . Contact the Law Office of Carmen G. Soto, PA, a Fort Lauderdale Bankruptcy Lawyer practicing in Broward County, Dade County and Palm Beach County.
The Bankruptcy Law Office of Carmen G. Soto, P.A. handles bankruptcy cases in Fort Lauderdale, Plantation, Miramar, Pembroke Pines, Sunrise, Oakland Park, Tamarac, Hollywood, Hallandale, Margate, Weston, Wilton Manors, Miami, Hialeah, Miami Beach, Coral Gables, and all of South Florida.