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Bankruptcy

Many of the individuals and businesses that reach out to our firm are struggling to keep up with personal and business debt. They may have had their wages garnished, dealing with the possibility of repossessions or foreclosures, facing lawsuits or are in danger of losing their business.

The experienced attorneys at Hoffman, Larin & Agnetti, P.A. offers a free consultation where we take the time to review each clients unique circumstance, review all options and work aggressively to get our clients lives and businesses back on track.

Our attorneys handle a broad range of issues in bankruptcy court and walk clients through all steps of the bankruptcy process. We can help with:

 

BANKRUPTCY OVERVIEW

Bankruptcy is the legal process through which individuals and businesses can eliminate their debts or repay them under the protection of the bankruptcy court.  It allows people or businesses to make a fresh start after experiencing financial difficulties.

The most common types of bankruptcies are Chapter 7 proceedings (a liquidation of debt, eliminating most debt but exposing the debtor to loss of property) and  Chapter 13 proceedings (a court-supervised reorganization of debt, reducing a debtor’s monthly payment and allowing repayment to creditors over a specified period of time). Chapter 11 proceedings are available for debtors who are not eligible to file either a Chapter 7 or Chapter 13 bankruptcies.

A bankruptcy may allow the debtor to extinguish all debts and still retain many assets after the proceeding is over. Much of a debtor’s property may be exempt, that is outside of the reach of creditors. In Florida, there are a variety of exemptions available.

Hoffman, Larin & Agnetti, PA offers a free consultation for all Florida bankruptcy related issues. Let us evaluate the specific facts of your case and make recommendations that address your individual issues. We will also evaluate the possibility of workouts, loan modification, foreclosure defense and short sales. Convenient payment plans to meet your budget are available. We have offices conveniently located in Miami, Fort Lauderdale, Islamorada and Key West. You may contact us 24 hours a day, seven days a week. We look forward to helping you.