Financial hardship can happen to anyone at any time. Whether it’s due to job loss, medical expenses, or an unexpected life event like divorce, the burden of debt can suddenly become overwhelming. If you’re struggling to keep up with your bills, facing the constant harassment of creditors, or worrying about losing your home or car, you’re not alone. And more importantly, you have options. One such option is bankruptcy, a legal process designed to provide relief to those grappling with unmanageable debt before it spirals out of control.

Bankruptcy isn’t a one-size-fits-all solution and is not the right choice for everyone. But for some, it can provide a fresh start and a path to regain control of their financial future. It’s a complex process, but you don’t have to navigate it alone.

If you’re feeling the weight of financial stress, bankruptcy might be a viable option. Johnny Bardine takes pride in helping Florida residents navigate bankruptcy, guiding them toward a future free from the shackles of overwhelming debt that take the joy out of life. His expertise and dedication have provided many with a fresh start, and he can work toward the same future for you. It’s not an easy decision to make, so contact our team members today to learn more about how we can help.

Remember, there is no shame in needing help. Bankruptcy might be a good option for people who:

Have incurred substantial debt due to unexpected medical expenses or changes in living situations

Are struggling to pay bills due to job loss or reduced income

Are grappling with high-interest credit card debt that has spiraled out of control

When creditors escalate to the point of harassment, it’s time to consider strategies to put an end to the campaign of bullying. In Florida, one of the most effective solutions is filing for bankruptcy. This action triggers an automatic stay, halting all collection efforts and potential foreclosure proceedings against you. Our team includes seasoned bankruptcy attorneys who can guide you through the intricacies of the bankruptcy process, providing you with peace of mind during this challenging time.

Chapter 7 Bankruptcy

Chapter 7 bankruptcy, often called “liquidation bankruptcy,” can be a viable option for Florida residents burdened with significant unsecured debt, such as credit card bills or medical expenses. In this process, a court-appointed trustee may sell certain assets to repay creditors. However, Florida’s generous bankruptcy exemptions often allow filers to retain most, if not all, of their residential property. This type of bankruptcy is particularly suitable for those with limited income who cannot pay back their debts over time. Navigating through Chapter 7 bankruptcy can be complex, but with the proper guidance, it can offer a fresh start, freeing you from the burden of unmanageable debt and paving the way toward financial recovery.

Chapter 13 Bankruptcy

Chapter 13 bankruptcy, sometimes called a “wage earner’s plan,” is designed for individuals who still receive regular income and wish to pay all or part of their debts in installments over a period of time. In this case, a trustee is appointed to oversee the repayment plan, collecting payments from the debtor and distributing them to creditors. This type of bankruptcy is a good fit for those who have valuable assets they want to keep, like a pricy vehicle, which might be lost in a Chapter 7 bankruptcy. It’s also an excellent option for Florida residents facing foreclosure, as it can halt the process and give you a chance to catch up on missed mortgage payments.