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Bankruptcy - VGV Law

Bankruptcy

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You Are Not Alone

The recession has taken an unprecedented toll on many of our lives. Loss of a job, significant medical illness or injury, divorce, and sharp declines in real estate value have all contributed to a record number of bankruptcy filings in South Florida. Although each individual’s situation is unique, it is certain that you are not alone. We understand the difficulty of walking through financial hardship, and our experience in dealing with clients who are going through these circumstances allows us to provide you with compassionate and ethical service.

If you are struggling with unmanageable debt, high interest rates, unpaid bills, unexpected expenses and creditor harassment, it can seem incredibly overwhelming.  Earning back your financial stability will require immediate action to change your circumstances. Our firm can help you examine the options available to you, as well as consider the effects such options may have on your personal financial goals.

Bankruptcy, whether a Chapter 7 or Chapter 13, can help you and your family finally be free from the burden of stifling debt. Your attorney can determine whether you qualify for a Chapter 7 versus a Chapter 13 bankruptcy, and determine which Chapter will benefit your case. We can also review other options besides bankruptcy that are available for you, such as, loan modification, debt settlement, a short sale or a deed in lieu.

You Can Finally Relax – We Will Handle Your Debt Efficiently

Once you have retained our office, we are your legal counsel, which means that creditors are informed that our office represents you, and they are required to communicate with us. For many clients, this means immediate relief from harassing phone calls and constant letters. We will file your Bankruptcy Petition and deal with your Creditors so that you don’t have to.  Bankruptcy can also put a halt to foreclosure sales, allowing more time to apply for a modification or explore other loss mitigation options for your real estate property. Bankruptcy can also stop the repossession of your property.

Contact The Law Office of Vanessa Gonzalez-Vinas now to arrange for your FREE Bankruptcy consultation.

Our Results Speak for Themselves

With more than 300 bankruptcies successfully completed, the Law Office of Vanessa Gonzalez-Vinas, P.A. offers experienced legal counseling in the areas of Bankruptcy (Chapter 7, Chapter 13 for Consumers and Chapter 7 Corporate filings for businesses). Our office is conveniently located in Kendall, serving Miami-Dade and Broward counties.

We can provide client referrals for any of our services. Just call and ask.

But how do I know whether bankruptcy is right for me?

Bankruptcy may be the right option for you if:

  • Your home is currently in foreclosure and/or a sale date has already been set.
  • You have considerable amounts of consumer debt (including credit card debt, loans, medical bills, etc.) and can only afford to make minimum payments or no payment at all.
  • You have judgments entered against you from previous lawsuits.
  • Your wages have been garnished or are in danger of being garnished.
  • You are in danger of having your car repossessed or have debt from a previously repossessed vehicle.

This list is not exhaustive. Before you consider bankruptcy, you should consult with a qualified bankruptcy attorney. Contact us for a free consultation.

 
Chapter 7 or Chapter 13? What’s the difference?

Visit the following pages for more information:

Chapter 7 Bankruptcy

Chapter 13 Bankruptcy

Bankruptcy FAQs