Winter Park, FL Bankruptcy Attorney Offers Clients Options for Financial Recovery

Protecting consumers’ rights for more than 12 years

Since 2003, the bankruptcy attorney at the law office of Michael Tierney, P.A. has been a powerful consumer advocate, helping many Floridians overcome seemingly insurmountable debt and move forward in a favorable position. Depending on your specific circumstances and debt level, we work with you to develop a strong plan designed to provide significant financial relief and an opportunity for a fresh start. Whether you are being harassed by bill collectors, have been sued by your credit card company, or just have questions about your financial options, consult our accomplished Winter Park bankruptcy attorney as soon as possible.

Understanding the different types of bankruptcy available to eliminate overwhelming debt

Our primary goal is guiding consumers through the bankruptcy process and providing solutions to handle excessive debt. Your income level and the nature of your debts dictate what form of bankruptcy you should pursue. The most common types of bankruptcy filings are:

  • Chapter 7. Individuals with limited or no income are often best suited for a Chapter 7. In this type of bankruptcy, assets are sold to satisfy outstanding debts and all remaining and allowable debts are discharged. The debtor is not liable for discharged debts.
  • Chapter 13. Unlike a Chapter 7 bankruptcy, a Chapter 13 bankruptcy is often referred to as a wage earner’s plan. Individuals with a higher, steady income who wish to keep a majority of their assets may be allowed to restructure their debts and establish a repayment plan that allows them to satisfy outstanding debts over time.
  • Chapter 11. Chapter 11 bankruptcy is used by businesses to reorganize and repay debts over time. Individuals may also file a Chapter 11 if their level of debt exceeds the amount allowable under Chapter 13.

Our experienced bankruptcy attorney takes the time to understand your financial situation completely so that you choose the type of bankruptcy filing that is right for you.

As negotiators of debt relief options, we work to provide peace of mind and freedom from continued harassment

Once you default on credit card or mortgage payments, debt collectors often begin a pattern of continued harassment and intimidation. It is important to understand your rights and seek assistance from an experienced bankruptcy attorney as soon as possible. Before you talk directly with a debt collection agency or admit to any debt, contact us to explore your options and determine the best course of action based on your situation. Once you file for bankruptcy, an automatic stay is triggered, meaning debt collectors are prohibited from contacting you.

Turn to a leading Central Florida bankruptcy law firm for tenacious representation from start to finish

At the law office of Michael Tierney, P.A., our goal is to provide the legal resources and reliable advice you need to overcome crippling debt and realize a positive financial future. We offer free initial consultations at our Winter Park office. To schedule an appointment, call us at 855-740-3328 or contact us online today. We serve clients in Orlando, Maitland, Longwood and surrounding communities.

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