Jacksonville Bankruptcy Attorney

At the Law Office of William E. Horne, Jr., we offer tailored and experienced bankruptcy representation to clients across the Jacksonville, Florida area seeking financial relief with a Chapter 7 or Chapter 13 bankruptcy. Contact us today to speak with a knowledgeable attorney about your options for filing for bankruptcy.

Chapter 7

By filing for Chapter 7 bankruptcy, you are seeking a fresh start. Through this type of filing, also known as liquidation, most of your debt will be dismissed and you will not be obligated to repay it back. Certain types of debt are not eligible, including child support payments and student loans. Not everyone qualifies for a Chapter 7 bankruptcy. Our experienced bankruptcy attorney can help you determine whether or not you qualify and if this is your best option for debt relief.

Chapter 13

Reorganization of your debt and structured repayment are central to a Chapter 13 filing. In this type of bankruptcy, we work with your creditors to establish a repayment plan over 3-5 years. In exchange for repaying your debts, a portion of your debt may be dismissed, depending on your individual situation. Under a Chapter 13 bankruptcy, you may be able to stop a foreclosure on your home and extend the repayment period on your debts, including your mortgage. Given the complexity of this type of filing, it is important that you work with a knowledgeable lawyer to make sure you are receiving the full benefit of the bankruptcy.

Though the bankruptcy laws changed in October of 2005, it is still possible for most people to file for bankruptcy. However, there are many new procedural hoops that must be jumped through, making it difficult for individuals to file without guidance from an experienced and knowledgeable bankruptcy attorney.

Many individuals have tried to file bankruptcy without representation. Though this is possible, if a mistake is made during the filing, it may prevent you from gaining the bankruptcy protection you are seeking. We provide clients with an abundance of information so they understand the bankruptcy process and can partner with us to complete the process as efficiently as possible.

In addition to providing assistance with the bankruptcy filing, our firm strives to stop creditor harassment. We also can guide you through the process of attempting to stop foreclosure on your home and save other personal property, like your car, boat, or a second home.

Contact a Jacksonville bankruptcy lawyer at the Law Office of William E. Horne, Jr. today to discuss your bankruptcy case. We offer a free initial consultation so you can learn about your options without cost or obligation. Flexible appointment times are also available. Let us help you take control of your financial situation by exploring Chapter 7 and Chapter 13 bankruptcy.