Do you cringe every time the telephone rings? Are you constantly checking your caller ID for collection agencies? Do you hate going to the mailbox? If you wish you could start over again and get a fresh start, be assured you can. Contact the Law Office of Carmen G. Soto, PA, a Fort Lauderdale Bankruptcy Lawyer practicing in Broward County, Dade County and Palm Beach County.
We will assist you in filing for bankruptcy that will mean that legally those harassing collection efforts must cease. Collectors are well aware that they are to cease all efforts of collection once you have filed, even though that does not mean they will do so. Violating what is called the "automatic stay" has serious consequences that collection agencies do not want to experience. Bankruptcy laws as well as the Florida Collection Practices Act have strict rules that they must adhere to. Contact the Law Office of Carmen G. Soto, PA, a Fort Lauderdale Bankruptcy Lawyer practicing in Broward County, Dade County and Palm Beach County.
In the past many filers took advantage of the relaxed rules for Chapter 7 Bankruptcies which prompted the Court to make qualifying for a Chapter 7 much more difficult. Now, in order for a filer to qualify for a Chapter 7 bankruptcy, they must take what's called a "means test." The "means test" compares your income with that of the rest of the state and determines whether or not you fit within the average range. If your income is too high you may be required to restructure your debt and formulate a repayment plan within a Chapter 13 bankruptcy.
The Bankruptcy Law Office of Carmen G. Soto, P.A. handles bankruptcy cases in Fort Lauderdale, Plantation, Miramar, Pembroke Pines, Sunrise, Oakland Park, Tamarac, Hollywood, Hallandale, Margate, Weston, Wilton Manors, Miami, Hialeah, Miami Beach, Coral Gables, and all of South Florida.