Chapter 7 in Cocoa Beach

Cocoa Beach, Florida, Chapter 7 Bankruptcy Lawyers

When you face a financial crisis, quickly finding a way out seems essential. At Law Office of Paul L. Urich, P.A. in Cocoa Beach, we know how to help you obtain a fresh start through bankruptcy. Contact us to schedule a free initial consultation where we help you determine if filing for Chapter 7 bankruptcy is right for you.

Chapter 7 Liquidation Bankruptcy

Chapter 7 bankruptcy allows your debt to be discharged through the liquidation of non-exempt assets. Exempt property in Florida includes:

• All equity in your home
• Up to $1,000 of equity in your car
• Up to $1,000 in personal property

Filing for Chapter 7 bankruptcy in Brevard County also effectively stops collections activities such as repossessions, home foreclosure and wage garnishment.

Since changes to the bankruptcy code went into effect in 2005, filing for Chapter 7 bankruptcy is not as simple as it once was. Today, you must pass a means test first. As bankruptcy attorneys, we work with you to obtain an accurate picture of your income and expenses and compare it to the Florida adjusted median income.

If your income is below the median, you qualify to file for Chapter 7. However, even if your income is above, you may still be able to file. Our firm has helped numerous individuals and families successfully file for Chapter 7 bankruptcy even when they initially thought they did not qualify. If you do not qualify for Chapter 7, you may still find the debt relief you need through Chapter 13.

Free Ch. 7 bankruptcy consultation: Call 321-406-0711 or fill out our contact form to discuss your case with a Florida bankruptcy attorney at no charge.

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