Miami Bankruptcy Attorney
These are tough economic times not only in Florida, but throughout the U.S. It comes as no surprise that bankruptcies are at an all time high. Maybe you have been laid off from your job and can’t make ends meet. Maybe you were involved in a car accident and are facing catastrophic medical bills. No matter the reason, Miami bankruptcy attorney Julia Kefalinos will skillfully negotiate you through the Florida bankruptcy system and put you back in control of your future.
It can happen fast… Bills pile up, interest accrues and late fees rack up. Before you know it, you’re stressed out and don’t know how to get back on track.
You need a Miami bankruptcy attorney in your corner, a powerful advocate who is willing to fight for your side. Someone who is intimately familiar with federal AND state bankruptcy laws and has all the facts about how Florida bankruptcy laws apply to you.
Julia Kefalinos, has been helping clients in Miami and Fort Lauderdale for nearly two decades. Miami bankruptcy attorney Kefalinos helps hundreds of clients every year take advantage of their rights under bankruptcy protection to restart and rebuild their financial health. She is a working class lawyer helping working class people throughout Florida to escape overwhelming debt.
Areas of Miami Bankruptcy Specialty
Julia Kefalinos handles both bankruptcy and foreclosure cases, and has built a reputation throughout South Florida as an advocate for Florida bankruptcy clients from all walks of life. She will give you sound legal advice on:
- Chapter 7 Bankruptcy
- Chapter 11 Bankruptcy
- Chapter 13 Bankruptcy
- Student Loans & Debt
- Debt Relief
Don’t be embarrassed by the fact that you are declaring bankruptcy. Are you desperately trying to pay back your debts because that’s how you were raised–to believe that when you borrow money you are a bad person if you don’t pay it back? With the skyrocketing unemployment rate, you are not alone. Miami bankruptcy attorney Julia Kefalinos will help determine if a Chapter 7 or Chapter 13 bankruptcy is the right option for you and when is the right time to file.
Bankruptcy isn’t for everyone. If appropriate, Julia Kefalinos can help you avoid bankruptcy. How? By applying Florida law and the U.S. Bankruptcy Code to your situation and determining the best plan of action.
The Disadvantages to Bankruptcy
There is a downside to filing for bankruptcy. The disadvantages include:
- You may not be able to get credit in the future – If you file Chapter 7, you cannot qualify for a home loan until two years after the Chapter 7 is discharged. If you file a Chapter 13, all debts associated with the bankruptcy must be paid in full, two years must have passed since the bankruptcy was discharged, and the credit file in the interim must be free of any new negative entries before a home can be purchased.
- It may affect your future career opportunities – You may not be eligible for consideration as a director in a business or to hold certain offices in local organizations. To qualify for some types of employment, you must have good credit. If you have a business, it might reduce customer loyalty and their faith in your product/service.
- Potentially lose assets – Depending on the circumstances, filing for bankruptcy can also mean losing personal assets. This can include property, the home, cars, or anything else of value that may be seized, sold, and used to partially satisfy the amount of outstanding debt.
- Create a bad credit score – The action will impact a credit score for at least six years and nine months, and possibly up to ten years, no matter how financially responsible you become after the filing takes place. What credit you do obtain could be at an outrageous interest rate.
Filing for Florida bankruptcy should always be the last resort. If any other arrangements can be made to pay off outstanding debt, they should be considered before engaging in any type of bankruptcy filing. While other methods may also damage credit ratings, they also can help to begin the process of reversing a negative rating and restore a healthy credit score over time.
The Advantages of Bankruptcy
On the flip side, filing bankruptcy may be advantageous to you. In some cases, filing for bankruptcy can be the best thing for your family and your future. You might be able to stop your foreclosure using Chapter 13 bankruptcy to get a reasonable repayment plan instead of losing your home. Or you might be able to wipe out those overdue credit card bills in a Chapter 7 case to let you start saving money. Through bankruptcy you can:
- Obtain a fresh financial start
- Eliminate unsecured debt (credit cards, payday loans, medical bills, etc)
- Silence creditors
- Stop foreclosure and repossession
How will filing for bankruptcy in Florida impact your life? Will you lose your home? Your bank accounts? Your car? These are the important questions you need to ask your Florida bankruptcy attorney.
Julia Kefalinos is committed to getting you debt relief and providing you with valuable information, services and advice to get you a better financial future.
Before you make a decision on bankruptcy, be sure you have all the facts about how the Florida bankruptcy laws will apply to you. Don’t stress about how you got into this situation — let Julia Kefalinos focus on getting you out of your financial predicament.
You have options. You have rights. Contact Julia Kefalinos to help with all your Miami bankruptcy or debt relief needs by calling 305-856-2713.