Advocating For Consumers In Bankruptcy Filings For More Than 25 Years

Florida Bankruptcy Attorney

After you have tried everything to get out from under your debt burden, you may feel frustrated, worried and confused. At the Law Office of Paul L. Urich, P.A., I invite you to come in and meet with me about bankruptcy and other options that you may not have considered.

How Great Would A Fresh Start Feel Right Now?

Why worry about your debts and credit problems another day? Contact me online or call 407-915-0842 to arrange a free consultation today. Let me help you stop creditor harassment immediately.

Selecting the right Florida bankruptcy lawyer is an important decision. I have more than 25 years of experience in all areas of debt relief, including:

Chapter 7 Bankruptcy in the Orlando and Central Florida Area

Under current bankruptcy laws, you must pass a means test before filing for Chapter 7 bankruptcy. If your current monthly income is below the Florida adjusted median income, then you automatically qualify. However, even if your income is above the Florida adjusted median income, you may still qualify after expenses such as car payments and retirement plan contributions are deducted from your income. I have helped many people file for Chapter 7 bankruptcy after other attorneys told them that they did not qualify. I will clearly explain the Chapter 7 bankruptcy process, the timeline and the difference between Chapter 7 versus Chapter 13 bankruptcy.

Chapter 13 Bankruptcy

Chapter 13 bankruptcy provides an opportunity to get out of debt by completing a repayment plan over a three-to-five year period. Chapter 13 is often the best option for those who cannot pass the Chapter 7 means test or those seeking to protect assets that would be placed at risk by Chapter 7. I will explain your options for loan modifications versus bankruptcy and the prospects of reaffirming secured debts.

Individual or Joint Bankruptcy

Regardless of how much you comingle your marital finances, it may be beneficial to seek joint bankruptcy if you and your spouse are facing significant debts. Together, we will take a close look at your finances and I will advise you on the best path forward for both of you.

Home Foreclosures

Bankruptcy can be used to prevent the foreclosure of our home or investment property via the automatic stay provisions of the bankruptcy code. If you are behind on your payments it is likely that Chapter 13 is your best option for resolving your debts and keeping your home. Your mortgage can be brought current via a three-to-five year repayment plan. Bankruptcy can also be used to strip a second mortgage in order to better position you to make your monthly mortgage payments.

IRS/Tax Debts

Like other forms of debt, back taxes can create a significant financial burden. Filing bankruptcy can be an effective way of reducing or eliminating that burden. In general, filing for Chapter 13 bankruptcy will allow you to discharge more tax debts than a Chapter 7 bankruptcy. I will help you understand how bankruptcy and debt relief will affect your federal tax liability.


Bankruptcy’s automatic stay provisions can put a halt to the repossession of your boat, car, motorcycle or other asset. In order to keep the asset long-term you will need to make arrangements to get caught up on your payments or renegotiate your outstanding debts. This can often be accomplished by agreeing to refinance a vehicle loan to be in line with its value. I can help you identify your options and provide you with the information you need to make an informed decision on your vehicles and other assets.

Home Liens

If you have a lien against your home due to an IRS tax debt or legal judgment, you may be able to have that lien removed by filing bankruptcy. Tax liens on your home are harder to remove than judgment liens.

Credit Card Debt

There is a lot of misinformation being spread about the new bankruptcy laws. Many credit card companies will tell debtors that credit card bills can no longer be discharged. However, this is not true. Most people with significant credit card debt can still obtain relief by filing for bankruptcy.

Consumer Credit Counseling

Before you can obtain debt relief under the new bankruptcy law, you must complete a consumer credit counseling course before and after your bankruptcy filing. I will guide you through the process and advise you every step of the way.

Discharge of Debts in Bankruptcy

According to the U. S. Bankruptcy Courts, “It is important to list all your property and debts in your bankruptcy petition. If you do not list a debt, it is possible the debt will not be discharged. The judge can deny your discharge if you do something dishonest in connection with your bankruptcy case, such as destroy or hide property, falsify records or lie, or if you disobey a court order.” Talk to me about what your life will be like after bankruptcy.

Wage Garnishments and Lawsuits

I will work to help you prevent your employer from garnishing your wages or creditors from filing lawsuits for a judgment to repay the money owed.

Contact An Orlando Chapter 7 Lawyer For A Free Consultation

To arrange a free initial consultation to discuss your debt problems and possible solutions, please call 407-915-0842 or contact my law firm online. From my Orlando office, I represent clients throughout central Florida.

I am a debt relief agent. I help people file for bankruptcy relief under the Bankruptcy Code.

Bankruptcy Overview