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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“Highly recommend. Robert made the sale of my condo a breeze.”
Highly recommend. Robert made the sale of my condo a breeze.

G. Haven
“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
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Linda
“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
“easy to work with, communicative throughout the process and helped overcome a few key issues that could have derailed our closing. 10/10 would definitely recommend!!”
I recently used Robert Warren to help in the closing of my mom's home, and couldn't be happier with how it went. Robert and his assistant Lois were easy to work with, communicative throughout the process and helped overcome a few key issues that could have derailed our closing. 10/10 would definitely recommend!!

C. Delatorre
“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.
“My estate settlement went swimmingly thanks to Robert.”
Robert helped me with the sale of my home. This man was so knowledgeable he practically handled the whole thing for me. Not to mention his secretary is an absolute delight, so courteous and polite. Robert is the most phenomenal lawyer I've ever had to pleasure of working with.

Daniel
“He is the most personable, competent and most accessible lawyer that my husband and I have ever worked with.”
Robert was excellent to work with. He is the most personable, competent and most accessible lawyer that my husband and I have ever worked with. Not only did Mr. Warren do the job we asked him to do, he made himself available to answer any questions or concerns we had along the way. His expertise and genuine care for the client is why we will work with him on our next venture. We 100% absolutely recommend him for legal advice.

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