Bankruptcy 

We Will Work Hard To Help You:

• STOP Creditor Harassment

• STOP Lawsuits and Garnishments
• STOP Foreclosures and Repossessions

Bankruptcy is a legal right and it is better to take advantage of that right, than to deny you and your family the life that you deserve.  Personal bankruptcy is nothing to be ashamed of.  As a client retaining our services, you can expect to receive respectful legal advice and recommendations.  We have helped thousands of clients keep their homes, automobiles, and personal property, and we would like to help you.

The Law Offices of David P. Ginzberg are large enough to provide legal services in the most complex bankruptcy matters, yet small enough to appreciate the importance of each client and provide them with the personal care and attention they deserve.  We are dedicated to facilitating a stress-free legal experience for our clients desiring relief by filing for bankruptcy.  Financial difficulties are nerve-racking enough with out having to worry about excessive red tape and administrative bureaucracy.  We want you to to focus on rebuilding your life and financial recovery while we work hard to deal with the legal aspects of your bankruptcy case.

There are two ways to file for bankruptcy.  The first and most common is "Straight Bankruptcy" or "Chapter 7".  Under this type of bankruptcy, almost all debts are completely wiped out.  There are exceptions such as child support, taxes, and student loans.  You may be allowed to keep the equity in your home and a  limited amount of personal property (furniture, stocks, bonds, etc.), as well as limited equity in your vehicle.

The second method or "Extended Bankruptcy" involves a reorganization plan for bankruptcy and is not as drastic a step as Chapter 7 bankruptcy.  Under Chapter 13 you will have to pay back a portion of your debts over a period of years.  However, you will be able to keep most of your personal property.  If you choose this way to file bankruptcy, then you must have some regular source of income, since you will have to make regular monthly payments to a bankruptcy trustee  or officer of the Court.  When your house is in foreclosure or you are late on your mortgage payments, filing Chapter 13 may allow an extended period of time to catch-up on your mortgage payments, while putting certain other debts on "hold" or eliminating them altogether.

There may be hearings involved under either Chapter 7 or Chapter 13.

Under Chapter 7, a meeting of creditors is held in concurrence with  a specified number of days after your case is filed.  At that time, your creditors will have a chance to meet and ask questions.  As a practical matter, the creditors rarely appear, instead, a trustee or officer of the Court will ask questions regarding your bankruptcy schedules.

Under Chapter 13, there are generally two hearings.  The first hearing is the meeting of the creditors, similar to the one outlined above.  The second hearing is the confirmation hearing where the judge will either approve or deny your reorganization plan.

Please note that the law requires all debts to be listed.  If any debt is not listed, then that debt will not be eliminated or extended for payment.  In addition, the accurate address of each creditor together with your account number must be furnished to the Court.

At The Law Offices of David P. Ginzberg you will receive personal care and attention as we guide you through the complexities of the bankruptcy legal process.  We will give you practical, reliable, and honest legal advice tailored to promote your best interests.  If you have any questions regarding your bankruptcy options and you live in Palm Beach, Martin, St. Lucie or Okeechobee County, or anywhere in Florida, contact us today for sound legal advice and experienced representation.  It's imperative that you retain an attorney to make certain that nothing has been overlooked. 

Experience Counts
Hire an experienced law firm.  The Law Offices of David P. Ginzberg have successfully helped thousands of Floridians with their bankruptcy woes and we can certainly help you.

• When the worst has happened to you financially, you are the one who has to live with the consequences.  Let us help you to get a fresh start.
   

• When you hire the Law Offices of David P. Ginzberg, you get a strong advocate whose only goal is making sure that you are adequately represented on the road to financial recovery.
   

• We have been successfully helping Floridians with legal services since 1984.  We are fully experienced with all facets of the legal procedures required to ensure that your case is conducted professionally and thoroughly.  Our attorneys are top-notch trial lawyers capable of the meticulous effort necessary to guide your case from inception to completion.  You can be certain that every member of our staff knows their job inside and out and will do their very best to meet your expectations.  Call us today, 24/7 Toll-Free: 1-800-611-0142 or send an e-mail now.

Initial Consultation
Upon your first visit, we provide you with a comprehensive consultation with one of our attorneys ABSOLUTELY FREE, or if you prefer, you can get answers fast over the phone.

• This service costs you nothing, yet allows you to obtain straight-forward answers to your questions to help put your mind at ease.
   

• We will advise you exactly what you should or shouldn't do next.
   

• If you choose to have us handle your case, we will tell you up-front and in
  writing exactly what services we will provide, along with the amount of our fees and costs.
   

• Get the help you deserve now.  Call us today,  24/7  Toll-Free:   1-800-611-0142 or send an e-mail now.

We'll Look After You
It's reassuring to know that you have someone in your corner to look after you.

• Our loyalty is with you.  Once you've entrusted our firm with your problems, we perform strictly for you and your interests.

• We know how important it is for you to know that your worries are well taken care of.

• You always have someone to turn to.  We put our clients concerns first and do our utmost to treat you with compassion and understanding.

• Each of the professionals in our law offices get to know you personally. We take the time to answer all your questions and explain exactly what's happening each step of the way.

• With locations throughout Florida, we're available to help you when and where you need it most.

• We are always there to fight for your rights, whatever it takes!

• Get the help you deserve now.  Call us today,  24/7  Toll-Free:   1-800-611-0142 or send an e-mail now.

Bankruptcy FAQs

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