How Bankruptcy Attorneys Can Help When You’re in Debt

Improving your financial situation sometimes means declaring yourself bankrupt. Bankruptcy attorneys afford clients better protection and informed guidance when it comes to filing. If you live in the St. Petersburg area, you can get the support and information you need with the help of Berkowitz & Myer. Our law firm acts as a singular point of contact, simplifying the process and ensuring that your case is manageable for your situation. With one point of contact, it is easier for you to communicate and voice your needs during this difficult time.

Berkowitz & Myer also provide clients with additional options and support while a client declares themselves bankrupt. Proper planning beforehand helps to avoid issues like agreeing to a payment plan you cannot fulfill. Business owners and individuals filing under chapter 13 or 7 can simplify the process by relying on experienced legal professionals for assistance. The right lawyer is essential to ensuring your case does not draw out for months without approval.

Which Bankruptcy Chapter Filing is Best for you?

A significant advantage of bankruptcy attorneys is that they can explain the differences between chapter 7 and chapter 13. Depending on your situation, there can be advantages and disadvantages for each chapter. Though some advice recommends filing when your debt surpasses your income, there are easier resolutions for smaller deficits. When the situation becomes too much to catch up to or mediate with collectors, you should you consider liquidation or other options. St. Petersburg residents can file promptly, therefore ridding themselves of aggressive collectors and harassment.

Chapter 7 Bankruptcy

If you are seeking a quicker resolution, then chapter 7 may be more advantageous. The process is typically more rapid and can completely resolve within months. You will not need to create a long-term repayment plan. This allows you to avoid additional steps like going to court to approve your plan. Bankruptcy attorneys in St. Petersburg can also help clients understand requirements to proceed with their case.

Chapter 13 Bankruptcy

The second option is to undergo chapter 13 bankruptcy. If you require more time to repay debts, then chapter 13 is often preferable. It halts the ability of creditors to engage in collection tactics or legal action against you. St. Petersburg residents can then construct a repayment plan that better suits their financial limitations. Berkowitz & Myer also provide clients with creditor harassment services to protect their rights as consumers.

Talk to the Bankruptcy Attorneys at Berkowitz & Myer Today

With professional guidance from our bankruptcy attorneys, clients may be able to avoid losing their home or vehicle. A lawyer can help you decide which chapter filing is most beneficial for you. You can contact Berkowitz & Myer today online or by calling (727) 344-0123.

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Attorneys are one of those things in life you hope you never need, but when you do you should make sure you select the right one and Berkowitz & Myer is the right one.


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