Bankruptcy

Besides our experience and success filing bankruptcy cases, we have civil litigation and debt negotiation experience that other bankruptcy firms just do not have! We make the process efficient and effective. Our dedicated attorneys and staff members provide personal attention. Whether it is a simple personal chapter 7 bankruptcy or a chapter 13 bankruptcy, our staff takes the time to patiently explain each issue to help you understand what we are doing.

Below are the two most common types of Bankruptcy:

Chapter 7

Chapter 7 bankruptcy is designed to wipe out your Unsecured Debts (such as credit cards) in an expedited manner, usually three - six months. If you have primarily consumer debts and cannot keep up with the payments or you have a failing small business and you want to terminate it with minimum liability to yourself, Chapter 7 would also be appropriate. The Law Firm of Carlos A. Cespedes, P.A. serves clients throughout the Southern District and Middle District of Florida.

Chapter 13

Chapter 13 is a “Reorganization,”which is designed primarily for homeowners who have fallen behind on their mortgage payments, but currently have enough income to make the regular mortgage payments as well as a little extra to pay back the missed payments over the 5-year life of the Chapter 13 Plan. Besides stopping foreclosures, we can wipe out second liens, stop wage garnishment, litigate fraudulent liens, and more. We take pride in aggressively protecting our clients through a Chapter 13 filing.