Bankruptcy Lawyer Lakeland, FL

Bankruptcy Attorney Plant City, FL

When you must contemplate the possibility of filing for bankruptcy, we highly recommend contacting an experienced bankruptcy attorney / lawyer to discuss your legal rights and how they may apply to your ability to successfully navigate bankruptcy proceedings relating to a:

Chapter 7 Bankruptcy

The purpose of a Chapter 7 Bankruptcy is to wipe out your debts, allowing you to get a “Fresh Financial Start”.

In a Chapter 7 Bankruptcy a trustee will be appointed by the court to liquidate (sell) all assets which do not fall under the bankruptcy exemption guidelines. The net proceeds collected in the liquidation of the non-exempt assets are then distributed to your creditors.

Debts which cannot be included for discharge in a Chapter 7 Bankruptcy may include, but not limited to:

  • Alimony spousal support
  • Child support
  • Fraudulent debts
  • Certain taxes
  • Student loans
  • And certain items which have been charged.

As a law firm providing experienced Chapter 7 Bankruptcy Attorney & Lawyer legal services, assisting Lakeland, Tampa, Plant City, Winter Haven, Bartow, and surrounding areas with Chapter 7 Bankruptcy legal issues, we are committed to protecting the legal rights of each and every client, while always striving to provide the highest standard of legal representation.

If you considering filing for a Chapter 7 Bankruptcy, make sure your legal rights are protected by seeking the legal advice of an experienced Lakeland Chapter 7 Bankruptcy attorney & lawyer. Contact Gregg S. Kamp, P.A., today by calling (863) 646-3135 or by filling out our online contact form  to schedule a confidential legal consultation.

Typically an individual who files for a Chapter 7 Bankruptcy has a large credit card debt which may include multiple credit cards, various unsecured bills with may be associated with various assets which the payment status may or may not be delinquent.

In many Chapter 7 Bankruptcy situations you may be able to keep specific secured debts such as your car, furniture, or home, as long as you reaffirm  your commitment to continue paying these debts. In order to keep these items in a successful Chapter 7 Bankruptcy you must voluntary sign a “reaffirmation agreement”, which stipulates that you cannot file bankruptcy to discharge the debt of these items for 6 years.

The purpose of the “Reaffirmation Agreement” is to protect “reaffirmed” debtors, as well as ensuring an individual does not try to abuse the bankruptcy process.

The longer an individual waits to obtain legal representation may directly affect their ability to achieve a successful outcome. Therefore, if you are considering filing for a chapter 7 bankruptcy, it is important to seek the legal advice and representation of an experienced chapter 7 bankruptcy attorney or lawyer as soon as possible. Contact Gregg S. Kamp, P.A., today by calling (863) 646-3135 or by filling out our online contact form.

A Bankruptcy will appear on your credit report for 5 to 7 years. This does not mean you cannot get credit after filing for bankruptcy. Most lenders will extend credit within two or three years after filing a bankruptcy case. Generally, the effect of bankruptcy on your credit is not a bankruptcy issue; it is a banking or credit issue.

Gregg S. Kamp, P.A., aggressively defends the legal rights of those involved in the Chapter 7 Bankruptcy process, while addressing all related issues that should be taken into consideration when defending your legal rights.

We provide professional chapter 7 bankruptcy attorney & lawyer legal services in Lakeland, Tampa, Plant City, Winter Haven, Bartow, and surrounding areas. We urge you to be proactive in protecting your legal rights.

Chapter 13 Bankruptcy

A Chapter 13 Bankruptcy, unlike a Chapter 7 bankruptcy, does not provide a release of debt, but rather a restructuring of the debt in a manner which is considered manageable to repay the debt.

Many times the debt to be paid back may be less that currently owed through negotiation. In a Chapter 13 Bankruptcy, a debtor proposes a repayment plan to the creditors, over a 3 to 5 year period, in a good faith proposal to pay off all or part of the debts from the debtor’s future income.

A Chapter 13 Bankruptcy can:

  • Prevent the foreclosure of a home
  • Make up delinquent car or mortgage payments
  • Pay back taxes
  • Stop interest from accruing on your tax debt (local, Florida state, or federal)
  • Keep valuable property which is non-exempt in a bankruptcy
  • And manage other financial situations which may be affected by a Chapter 13 bankruptcy proceeding.

As a law firm providing experienced Chapter 13 Bankruptcy Attorney & Lawyer legal services, assisting Lakeland, Tampa, Plant City, Winter Haven, Bartow, and surrounding area residents with Chapter 13 Bankruptcy legal issues, we are committed to protecting the legal rights of each and every client, while always striving to provide the highest standard of legal representation.

If you considering filing for a Chapter 13 Bankruptcy, make sure your legal rights are protected by seeking the legal advice of an experienced Lakeland Chapter 13 Bankruptcy attorney & lawyer. Contact Gregg S. Kamp, P.A., today by calling (863) 646-3135 or by filling out our online contact form to schedule a confidential legal consultation.

Creditors often will work with debtors in a Chapter 13 Bankruptcy, as Chapter 13 provides the opportunity to recover funds from you, as apposed to a Chapter 7 Bankruptcy where the potential to recover a larger portion of the debt is diminished.

Those who are more likely to file for a Chapter 13 Bankruptcy are individuals who seek to hold on to possessions such as a home, multiple vehicles, or other property or assets.

The longer an individual waits to obtain legal representation may directly affect their ability to achieve a successful outcome. Therefore, if you are considering filing for a chapter 13 bankruptcy, it is important to seek the legal advice and representation of an experienced chapter 13 bankruptcy attorney or lawyer as soon as possible. Contact Gregg S. Kamp, P.A., today by calling (863) 646-3135 or by filling out our online contact form.

A Bankruptcy will appear on your credit report for 5 to 7 years. This does not mean you cannot get credit after filing for bankruptcy. Most lenders will extend credit within two or three years after filing a bankruptcy case. Generally, the effect of bankruptcy on your credit is not a bankruptcy issue; it is a banking or credit issue.

Gregg S. Kamp, P.A., aggressively defends the legal rights of those involved in the Chapter 13 Bankruptcy process, while addressing all related issues that should be taken into consideration when defending your legal rights.

We provide professional chapter 13 bankruptcy attorney & lawyer legal services in Lakeland, Tampa, Plant City, Winter Haven, Bartow, and surrounding areas. We urge you to be proactive in protecting your legal rights.

Compared to just 10 years ago, the negative stigma of a personal bankruptcy does not carry the same sting as it used to. Today, a bankruptcy is often seen as a way to get a fresh start by actually repairing your credit over a period of time.

With the current state of the economy, and the realization that part of the responsibility for our economic state is due to the roll which lenders and credit organizations have played, it is expected that a bankruptcy may not affect your financial future as much as it does even today.

As a law firm providing experienced Bankruptcy Attorney & Lawyer legal services, assisting Lakeland, Tampa, Plant City, Winter Haven, Bartow, and surrounding area residents with Bankruptcy legal issues, we are committed to protecting the legal rights of each and every client, while always striving to provide the highest standard of legal representation.

If you considering filing for a Bankruptcy, make sure your legal rights are protected by seeking the legal advice of an experienced Lakeland Bankruptcy attorney & lawyer. Contact Gregg S. Kamp, P.A., today by calling (863) 646-3135 or by filling out our online contact form to schedule a confidential legal consultation.

In most cases, those filing for bankruptcy are able to retain their home, primary automobile, and other essential material possessions. Often times, this may hinge on the experience of your bankruptcy attorney / lawyer.

There may be many factors which your bankruptcy lawyer (attorney) must address in order to provide the highest standard of legal representation in your bankruptcy claim, including, but not limited to:

  • All credit card companies, which will be affected in your bankruptcy claim
  • The amount owed to credit card companies
  • Any tax records which may affect your bankruptcy claim
  • The income of the household and personal income
  • Banking history
  • Property or other assets you currently own or are making payments on
  • And all other debts you may have which will be affected by a bankruptcy claim

A Bankruptcy will appear on your credit report for 5 to 7 years. This does not mean you cannot get credit after filing for bankruptcy. Most lenders will extend credit within two or three years after filing a bankruptcy case. Generally, the effect of bankruptcy on your credit is not a bankruptcy issue; it is a banking or credit issue.

Gregg S. Kamp, P.A., aggressively defends the legal rights of those involved in the Bankruptcy process, while addressing all related issues that should be taken into consideration when defending your legal rights.

We provide professional bankruptcy law attorney & lawyer legal services in Lakeland, Tampa, Plant City, Winter Haven, Bartow, and surrounding areas. We urge you to be proactive in protecting your legal rights.