Orlando Bankruptcy Attorney
Are you struggling with overwhelming debt? No matter how hopeless your situation might seem, there is a way out. By filing for bankruptcy, you can eliminate debt while stopping creditors from taking collection actions against you.
I am K. Hunter Goff, a bankruptcy lawyer with more than 20 years of experience solving debt problems in Orlando, Minneola and elsewhere throughout Central Florida. At the Law Offices of K. Hunter Goff, P.A., I am here to help you stop lawsuits, garnishments, repossessions, harassment, home foreclosure and other consequences of debt, while making the process better and smoother than you might think. Everyone deserves a fresh start, contact us today at 352-577-7689 or by filling out our online form.
Which Chapter Is Right For Me?
As a private individual, you have two options when filing your bankruptcy petition: Chapter 7 or Chapter 13. Chapter 7, also called liquidation bankruptcy, is the most popular Chapter. It allows debtors to liquidate certain assets to partially repay their debt load, then discharge the remaining unsecured debt.
Chapter 13 is also called reorganization bankruptcy. Under Chapter 13, a debtor works with their creditors to create a repayment plan over a period of a few years. Once this period is up, the court discharges the remaining unsecured debt.
What Are Some Alternatives To Bankruptcy?
In some situations, you might have other routes that you can explore instead of bankruptcy. These could include:
- Selling assets to pay down your debt
- Calling your creditors and bargaining down your monthly payment
- Calling your creditors and bargaining down the interest rate
- Seek a debt consolidation loan
- Move your debts to a lower-interest credit card
If you are looking into alternatives to bankruptcy, beware of credit counseling companies. They act as if they want to help debtors, but often do not do anything except charge exorbitant fees.
What To Know About Bankruptcy For Small Businesses
Running a small business can quickly rack up unmanageable debts. If you own a small business, you can file a petition for Chapter 11 bankruptcy. Chapter 11 allows businesses to remain in operation while making smaller repayments to their creditors. At the end of the repayment period, your remaining business debts are discharged. Sometimes, sole proprietors can even file Chapter 13, which is a bit simpler than Chapter 11.
Taking The Pain Out Of Bankruptcy
For those daunted by the stress of filing for bankruptcy, there is a better and smarter way. I have devoted my career to taking the pain out of bankruptcy, and I work closely with each client to make sure they are comfortable with the process. You can ask your questions about bankruptcy and I always take the time to answer.
I offer flexible billing arrangements, virtual filing and a low down payment filing fee. I will take the time to get to know you and your financial history so that I can help you choose the debt relief option that is right for you.
Get Started Today! Contact Our Orlando Bankruptcy Lawyer For A Free Consultation
Bankruptcy is a big step, but you don’t have to step into it alone. I am here to help you understand the law and how it will apply in your unique circumstances. To arrange a free bankruptcy law consultation with an experienced lawyer, contact my law office today online or by telephone at 352-577-7689.