Bankruptcy Lawyer in Jupiter, FL
Are you overwhelmed with debt? At Gort Law, we are here to help—not to judge you. We understand anybody may find themselves in difficult financial situations after an unexpected divorce, job loss, death in the family, or a sudden decline in a business’s revenue.
To get a fresh start, filing for bankruptcy may be the right choice. Doing so can eliminate or significantly reduce debt, allowing you to get on track to rebuilding credit and becoming financially secure.
If you believe bankruptcy could benefit you or are interested in exploring this legal avenue, turn to Gort Law. Our Jupiter bankruptcy attorney has decades of experience that he leverages to guide clients and help them make crucial decisions about their futures.
Call (561) 778-7047 or contact us online today to schedule a free consultation to discuss your financial situation, the available legal options, and how our attorney can serve you.
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Our Services
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Mr. Gort is extremely knowledgeable and took the time to work on our matter. We were able to easily get in contact with him and feel that he really cares about the people who he represents.- Former Client
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Mike Gort is a very knowledgeable attorney with experience on both sides of the transaction or situation. His honesty and integrity is bar none. His communication was always on point.- Former Client
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Very professional and competent, friendly and very reliable. A man with a lot of experience. I can really recommend him very much.- Ulrik R.
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Mr. Gort did a superb and comprehensive job while representing me during my legal matter. He was not only completely astute and knowledgeable when it came to the law, he was very forthright and compassionate.- Former Client
Essential Things to Know About Bankruptcy
Types of Bankruptcy
While several types of bankruptcy exist, the most common are Chapters 7 and 13. Below, we offer details about them:
- Chapter 7: Designed to alleviate those with few or no assets from debt. Chapter 7 involves liquidating assets to repay creditors. It generally takes two to four months and can completely discharge filers of many kinds of debt.
- Chapter 11: Generally reserved for business. This type of bankruptcy allows business owners to sustain operations and restructure debts.
- Chapter 13: Allows individuals with regular income to develop an affordable debt repayment plan. Filing for Chapter 13 can protect certain properties from being liquidated and potentially reduce interest rates on loans.
Do you want to know more about these bankruptcy types and what they entail? Visit our site’s bankruptcy pages or contact us to request a free consultation. Our attorney can offer clarification and provide direction on whether bankruptcy could benefit you.
The Importance of the Means Test
Qualifying for Chapter 7 bankruptcy requires passing Florida’s means test. This evaluation accounts for income and expenses to determine eligibility. Those with household incomes below the state’s median can file for Chapter 7 bankruptcy.
While it sounds straightforward, the means test can require extensive documentation of monthly expenses, including rent, groceries, clothing, and medical costs. Thoroughly collecting and submitting documents is crucial for securing your Chapter 7 eligibility. At Gort Law, we can help you with this step in the bankruptcy process, so you do not improperly represent your expenses and compromise your case.
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Thousands of Clients Served
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What Debt Can Bankruptcy Eliminate?
Bankruptcy can provide significant relief from certain types of debts by discharging them, which means you are no longer legally required to pay them.
Common types of debt that bankruptcy eliminates include:
- Unsecured credit card debt
- Medical bills
- Unsecured personal loans from banks or credit unions
- Past-due utility bills
- Business debts
Generally, you cannot discharge student loans, certain tax debts, child support and alimony, or court fines and penalties. There are exceptions, however.
In cases where paying student loans causes “undue hardship,” for example, you can seek to discharge them through bankruptcy. As another example, you may be able to file for bankruptcy and lower the amount of child support or alimony you are required to pay. If you are struggling with these kinds of debts, consult our attorney about your options for relief.