Benefits of Bankruptcy

Benefits of Bankruptcy

The Value of a Debt-Free Life

Overwhelming debt is one of the most difficult situations anyone can face; financial stress can damage your physical and emotional health, harm your marriage and other personal relationships, create depression, frustration, and apathy, and give you sleepless nights. You may be facing creditor harassment through collection agencies, the threat of losing your home or possessions, or wage garnishment. No one should have to live under the burden of continual distress. If you are unable to meet your basic financial needs and those of your family, you should seek professional legal help.

The primary benefit of declaring a Chapter 7 or Chapter 13 personal bankruptcy is the discharge of some or all of your unsecured debts, such as credit card debt, department store cards, utility bills, medical or dental bills, payday loans, deficiency balances on repos or foreclosures, and other personal loans. These types of debt may be permanently eliminated or significantly reduced. When your bankruptcy petition is filed, an automatic stay will be imposed on your creditors. They will be barred by federal law from any further contact you in any way regarding your debt. These creditors must deal only with your attorney and through the bankruptcy court.

This means that unsecured debt such as collection agency debt as well as wage garnishments, repossessions, utility shutoffs, evictions, and foreclosures will be halted while your case proceeds through the courts. This automatic stay allows you the breathing room you need in the matter of effectively handling secured debt (mortgages, vehicles, and other financed possessions); in many cases, these secured assets can be saved permanently. That means you will retain your home, your car, and your earnings. Creditors who violate the automatic stay are subject to charges of contempt of court with resulting damages and the cost of attorneys' fees when claims are made against them.

Work with a Gainesville Bankruptcy Attorney

Let me use my years of legal experience as a bankruptcy attorney to help you move forward toward a brighter future.

Imagine living without the daily stress and burden of financial crisis. Imagine regaining control of your finances and rebuilding your future from a fresh start. Legal options exist under federal and Florida law which can help you achieve this goal. Thousands of individuals throughout North Florida have taken advantage of these laws. With my help, you can learn what your options are, how you may qualify, and what is optimum for you based on your unique needs, objectives, and situation.

Contact me at the Law Office of Robert J. Warren so we can sit down together and discuss your situation in a free, initial consultation.

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At The Law Office of Robert J. Warren, P.A., your satisfaction is our priority! See for yourself what our clients have to say about working with us.

“Robert managed to help so much in relieving the stress we were in. His assistance and dedication for us made our process much easier than expected.”
Robert managed to help so much in relieving the stress we were in. His assistance and dedication for us made our process much easier than expected. He took care of the small details other neglected to put the time and efforts to solve. He made us feel like we are in good hands and in the end we were. We are really thankful for his hard work. Highly recommend him for real estate assistance and guides.

Judy Michalson
“He quoted me a single price and stuck to it, even when he had to do extra.”
“My experience with Robert was great”

Raymond Ledford (Google review)
“took the time to meet with me in person was extremely patient and knowledgeable.”
5.0 stars Posted by Evans I hired Mr. Warren to review a commercial lease for me at the recommendation of a friend. He took the time to meet with me in person was extremely patient and knowledgeable. With his guidance was able to avoid numerous pitfalls and negotiate terms that were to my advantage. I unreservedly recommend Mr. Warren.

Evans
“Robert Joseph Warren worked with me from start to finish, eliminated my unsecured debts”
“Not only did he get my debts discharged, he also became a close business partner and friend.”

Eddie T.
“We would definitely choose him all over again.”
He was very knowledgeable polite and on the phone he kept us informed at all times never did we feel belittled for asking questions. After our case was filed he still made himself available for questions for life situations. if for some reason we found ourselves in a similar situation we would definitely choose him all over again.

Karen
“Exceptional attorney!”
Mr. Warren is knowledgeable and honest. His rates are reasonable and fair. His dedication and tenacity resulted in a very favorable outcome in my real estate case. I would highly recommend him without hesitation and would definitely use his services again.

Rechelle
“He made a tough situation, smooth”
I had a real estate situation needing legal help. He seemlessly solved the issues and the transition was professional and done quickly. I would go back to him again and again.

Dawn W.
“Robert Warren is an excellent Real Estate attorney.”
Robert Warren is an excellent Real Estate attorney. He and his team are always on the ball, communicate between the seller, buyer, and mortgage company very well, and they are timely in their work. I have sold a house and refinanced another house both with Robert and I can't say enough good things about him and his office. He's thorough and will make sure that nothing is 'fishy' in the mortgage paperwork. He will also hammer the mortgage company to get things right. His office also does title work so I highly recommend using Robert's office as the title company and the closing agent on a mortgage. Very reasonably priced and excellent at their job. I will go to them, and no one else, for as long as he's in business. Thanks again Robert and crew!

J. Smith

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