Monday 25 May 2015

How A Jacksonville FL Bankruptcy Lawyer Helps During Tough Times

By Melisa Carlucci


It's not easy when there is not enough money to pay bills each month and you have to decide which bills to not pay. If this keeps up for long, creditors or debt collection services will be calling your house and making your life miserable. When problems like these arise, the best place to turn to for help and advice, is your Jacksonville FL bankruptcy attorney.

Most debt collectors do not care about you or your family. They are only interested in money and some of them will go to any lengths to scare you into paying them. However, you do not have to put up with these people and a lawyer can help you put a stop to harassment.

Some people in Jacksonville choose to file bankruptcy without a lawyer, and do it yourself kits are available. Yet, these kits do not tell you if you should file a chapter 13, 7, or mention other options that you may have. When you see a trained legal professional, you can discuss your problems and come up with the best possible solutions.

Your lawyer is there to make sure you understand which choices are best. For example, you might be better off with financial counseling. On the other hand, a chapter 7 may give you a chance to wipe the slate clean and start all over. Your lawyer will show you all the available options.

If you file a chapter 7 on your own, you will have no one to negotiate on your behalf with creditors. An experienced lawyer can get you the best deals, and is there to provide qualified legal advice. Your legal professional may be able to help you keep your home and car.

You have certain rights under Florida law and your lawyer will help you understand all your rights. There is no reason to avoid legal help when you do not have to pay anything for an initial consultation. This way, you can find out if bankruptcy is the best choice, and you have someone to assist you though the entire process.




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