Bankruptcy Attorneys

A Fresh Start

At Roberts & Robold, P.A., our bankruptcy attorneys have helped thousands of people throughout Central Florida get a fresh financial start by filing Chapter 7 bankruptcy. Many are able to keep their homes, their cars and other assets.

Filing bankruptcy under Chapter 7 of the Bankruptcy Code can discharge, or eliminate, your debts. With some exceptions, you no longer have to repay them. You can just walk away.

A common misunderstanding about Chapter 7 bankruptcy is that you must lose or surrender assets. This is simply not true. The purpose of a Chapter 7 bankruptcy is to help not hurt individuals.

Maximizing the Assets You Keep

Chapter 7 bankruptcy is called the straight liquidation bankruptcy because some of your assets may be liquidated, or sold, to repay a portion of your debt. However, the law allows you to keep many of your belongings, and a very significant number of our clients do not lose any assets at all.

There are exemptions (protections) provided for under state and federal laws which prevent the liquidation of exempt property. Because our bankruptcy attorneys are familiar with the state and federal laws, and have a complete understanding of the laws that determine which assets are exempt from liquidation, we are able to maximize the assets you can keep. If it is determined that you have a significant amount of nonexempt assets, our bankruptcy attorneys will advise you as to asset liquidation, asset buy backs, and all other options afforded to you under the Bankruptcy Code.

Please note, if you have enough non-exempt assets or income to repay at least some of your debts, you may use a Chapter 13 bankruptcy to obtain your fresh start and to protect your assets.

Stop Creditor Harassment
A bankruptcy filing will stop creditor harassment. Once a bankruptcy is filed, it invokes the automatic stay, which is meant to prevent creditors’ collection efforts. In other words, the creditors must cease and desist telephone calls to you, your friends, or your family members; mailing bills or invoices to you; filing lawsuits; pursuing wage garnishments, or any other collection activity.

In some instances, creditors do violate the automatic stay by attempting to collect debts after a bankruptcy has been filed. In these instances, the bankruptcy attorneys at Roberts & Robold P.A., take action on your behalf to stop the collection activity. Our bankruptcy attorneys will fight for sanctions against creditors, resulting in the creditor paying you for their violations. This may sound odd, but you can make money by filing bankruptcy!

Learn more: Visit our bankruptcy information center.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.