Winter Garden Law Firm Assists with Difficult Bankruptcy Matters

Knowledgeable Florida attorney provides sound guidance in financial difficulties

Financial setbacks can quickly snowball into dire circumstances that prove almost impossible to overcome. At Cressman Law Firm, P.A., I am committed to helping individuals and businesses experiencing financial issues find relief through the bankruptcy process, utilizing Chapters 7, 11 and 13 as well as debt negotiation and analysis. With more than 25 years of experience helping clients throughout Florida, I understand what your case needs to get the best possible outcome and will work with you to build a strong petition. Whether you have mounting medical bills, have experienced a significant loss of revenue or want to explore debt settlement options, I will advocate for your best interests.

Committed lawyer assists individuals with Chapter 7 and 13 petitions

When debts become more and more difficult to pay, knowing when to file for bankruptcy may not be easy. However, you do not need to wait until things are unbearable to seek help. I work with individuals dealing with overwhelming debt every day and can help you make the right decision for your situation. Two of the most common types of bankruptcy that I help clients with are:

  • Chapter 7 bankruptcy — This option can eliminate many of your debts and is useful for individuals who primarily have balances related to credit cards, medical bills and personal loans. Florida, unlike other states, offers an unlimited exemption for most homesteads, meaning you will likely get to keep your house regardless of the current equity. If you qualify for Chapter 7, I will work get you the relief you need by seeking a discharge at the highest allowable amount.
  • Chapter 13 bankruptcy Chapter 13 works well for those with regular income and large amounts of secured debt, as it allows the debtor to establish a repayment plan for dealing with the debt over a manageable period of time (usually three to five years). I will assess whether you meet the qualifications for this option and whether it is the best choice for your situation.

As an experienced bankruptcy lawyer familiar with all forms of debt relief, I will help you develop a strategy that best suits your specific needs.

Accomplished advocate advises businesses on restructuring under Chapter 11

Business owners put everything they have into building a successful enterprise, and when money becomes an issue, an alternative to closing the doors is often welcomed. Chapter 11 offers companies the time and flexibility to recover by allowing them to restructure operations. Assuming the creditor committee and the court approves, businesses in Chapter 11 will be given time to repay their debts under better terms. I will protect your interests and negotiate with creditors to obtain a plan that is workable and realistic for your enterprise.

Experienced law firm offers debt settlement and analysis for clients

Borrowers who get into financial trouble don’t always understand their rights. Many don’t even know which options to consider. I will provide clients with debt analysis to take the guess work out of making informed financial decisions. Further, I will not be intimidated by creditor tactics, and if debt settlement is right for you, I will strongly negotiate to get you a fair settlement.

Contact a dedicated Florida attorney for a free consultation

At Cressman Law Firm, P.A. in Winter Garden, I represent Florida individuals and businesses in a variety of bankruptcy matters. Please call 407-217-1985 or contact me online to schedule a free consultation at my Winter Garden office.