Bankruptcy Our mission is to help people out of debt, and we don't take shortcuts

Bankruptcy Lawyer Orlando, FL

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Our legal team has helped countless individuals to get a fresh financial start through bankruptcy and can advise you if this is a good option for you based on your personal financial situation. In many cases, individuals discover that bankruptcy can lead to the relief that they need in these tough economic times. There is no longer a "stigma" in filing for bankruptcy; over a million people filed for bankruptcy in 2009 alone.

When a family or individual gets into an unbearable financial situation and has little hope of paying their bills, bankruptcy can be an option that allows them to get a fresh financial start. If you want to learn more about the options available to you, reach out to the Law Offices of Joseph J. Mancuso, PA today. We are backed by years of experience and are here to answer any of your questions or guide you through the filing process, every step of the way.

Considering filing for bankruptcy? Dial (407) 378-5488 or contact us online for a free consultation with a bankruptcy lawyer in Orlando, FL. We have served Florida for 25+ years.

What Types of Bankruptcy are there?

In order to determine if you meet the criteria for filing Chapter 7, Chapter 11, or Chapter 13 bankruptcy, contact a debt relief attorney from the Law Offices of Joseph J. Mancuso, P.A.

What is Chapter 7 Bankruptcy?

Chapter 7 can give you the opportunity to start over financially and be free of the crushing debt you have accumulated over the years. It allows the individual or couple to discharge their consumer debt. Recent changes in bankruptcy laws have resulted in more restrictions on this type of bankruptcy, but most individuals who are unable to pay their debts will still qualify.

If you don't qualify for Chapter 7 due to having too many assets, or you don't want to lose your assets, Chapter 13 is often a good option. If you need guidance, reach out to our Orlando bankruptcy attorney at Law Offices of Joseph J. Mancuso, PA today.

What is Chapter 13 Bankruptcy?

Filing for Chapter 13 is particularly good for those who don't want to lose their home, as it gives the time and opportunity to work out a solution for mortgage problems.

Banks are often much more interested in making arrangements that are reasonable when the person is in bankruptcy. This form of bankruptcy is set up for those who are self-employed and making an income, or are an employee of another company and receiving a paycheck. The end result of this form of bankruptcy is that the individual has 3-5 years to pay off their back debt. They usually end up paying back a percentage of what was originally owed over time allotted by the bankruptcy court.

If you are unsure which type of bankruptcy will work best for your situation, do not hesitate to get in touch with an Orlando Bankruptcy lawyer at our firm -- your initial consultation is free of charge.

How Do I Declare Bankruptcy in Florida?

Declaring bankruptcy in Florida is simply another way of saying you are filing a bankruptcy petition in court. When it is filed, you will have declared bankruptcy and your creditors will be informed of this and the automatic stay will then be triggered. This means that your creditors will not be allowed by law to pursue any debt that you owe.

At Law Offices of Joseph J. Mancuso, PA, our bankruptcy lawyer in Orlando can support you by helping you decide if declaring bankruptcy is the right solution for your financial situation or which type of bankruptcy you should be filing for. Call (407) 378-5488 to schedule an appointment for a free initial consultation with our experienced bankruptcy attorney.

Steps to Filing for Bankruptcy

To ensure that your bankruptcy goes through smoothly without delays, follow the steps below and make sure to consult an Orlando bankruptcy lawyer at the Law Offices of Joseph J. Mancuso, PA.

To file for bankruptcy in Florida:

Gather important financial documents related to your income, expenses, and debt.
1. This includes credit reports, tax returns, pay stubs, bank and credit card statements, etc.
Attend a credit counseling course that is approved by the Department of Justice.
Complete the federal bankruptcy forms.
Pay the filing fee. If you qualify, you may waive the fee. However, you may request a fee installment plan if you don't.
Submit your bankruptcy forms via mail or in-person. Completing this in person ensures that your case is processed quicker. The court clerk is also able to stamp an extra set of bankruptcy forms for your records.

How Our Team Can Help with Your Case

It is likely that many of your neighbors and friends have already filed and are enjoying the relief from stress and the constant calls from creditors, It's time for you to find financial relief as well, and our firm is here to help you begin to save and move on with a new financial start.

Do not hesitate to contact an Orlando bankruptcy attorney from our firm to determine whether or not you qualify for filing. Call (407) 378-5488 today.

Commonly Asked Questions

What are the consequences of filing for Chapter 7 bankruptcy?

Filing for Chapter 7 bankruptcy allows individuals to discharge their consumer debt, but recent laws have imposed more restrictions. It is essential to consult with a bankruptcy attorney to understand the implications for your specific situation.

Can Chapter 13 bankruptcy help me keep my home?

Chapter 13 bankruptcy can be beneficial for individuals who want to retain their homes by providing a structured plan to address mortgage issues. Banks are often more willing to negotiate under this form of bankruptcy.

What is the automatic stay triggered by declaring bankruptcy in Florida?

When you declare bankruptcy in Florida, the automatic stay goes into effect, preventing creditors from pursuing your debts legally. This provides immediate relief and allows you to work with your attorney to navigate the bankruptcy process.

How long does it take to complete the bankruptcy filing process in Florida?

The time it takes to complete the bankruptcy filing process in Florida can vary based on individual circumstances. Working with a knowledgeable bankruptcy attorney can help streamline the process and ensure all requirements are met efficiently.

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Our team of skilled and understanding professionals proudly provides comprehensive and efficient services for all Clients.

Almost 100 Years of Experience
Our firm brings nearly a century of collective legal experience, ensuring you receive trusted, expert guidance throughout your case.
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We're always here when you need us, providing round-the-clock support so that you never feel alone during the process.
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“He is a caring, honest, fair and hard working attorney and I would recommend him to anyone.”
I had a judgement that I thought was taken care of years ago and the company had never released it. When I called them they refused to unless they received more money. I went to Attorney Mancuso and he took care of it immediately. He was always available and answered all of my questions patiently. He is a caring, honest, fair and hard working attorney and I would recommend him to anyone.

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