Most of the people facing foreclosure or bankruptcy today never expected to be in this situation. They feel embarrassed, overwhelmed and lost. They are definitely confused. At the Owens Law Firm, we understand what you are going through, because we have helped hundreds of individuals and families, just like you. We work with you to find the best possible option for you and lay out a personal plan that clearly explains the steps you can take to regain control of your life and get a fresh start. The most important thing for you to know is that there is definitely hope.
You already know that you are not alone. But what you might not know is how many of our country’s most rich and famous celebrities, politicians, and businessmen -- people like John Wayne, Thomas Jefferson, “Honest Abe” Lincoln, Gloria Vanderbilt, Willie Nelson, Mark Twain, Bjorn Borg, Charles Goodyear, P.T. Barnum, Walt Disney and Donald Trump -- faced financial problems too, and how many were able to dig themselves out of debt and get back on track.
Financial problems can, and do, strike anyone, for countless different reasons. Even if you’ve done all the right things. We know that it is often not your fault and there is nothing you could have done to avoid it. You have rights, and we are here to help you exercise those rights and to free yourself of the debts and doubts that are weighing you down.
See More Famous People that Filed Bankruptcy!
Bankruptcy is a process in which consumers and businesses can eliminate or repay some or all of their debts under the protection of the federal bankruptcy court. For the most part, bankruptcies can be divided into two types -- liquidation and reorganization.
Chapter 7 bankruptcy comes under the liquidation category. It's called liquidation because the bankruptcy trustee may take and sell ("liquidate") some of your property to pay back some of your debt. However, you may keep property that is protected (also called "exempt") under state law. There are several types of reorganization bankruptcies, but Chapter 13 is the most common type for consumers. In Chapter 13 bankruptcy, you keep all of your property, but must make monthly payments over three to five years to repay all or some of your debt.
If you are facing foreclosure, bankruptcy might be able to help. In many cases, filing Chapter 7 bankruptcy can delay the foreclosure by a number of months. Some people may be able to save their home by filing for Chapter 13 bankruptcy.
What Is Foreclosure?
The robo-signing scandal is an opportunity for homeowners to challenge foreclosures in court, negotiate with lenders, and buy time.
Read on to learn about the massive robo-signing problem and what it means for homeowners.
Bankruptcy is a legal proceeding in which a person who cannot pay his or her bills can get a fresh financial start. The right to file for bankruptcy is provided by federal law, and all bankruptcy cases are handled in federal court. Filing bankruptcy immediately stops all of your creditors from seeking to collect debts from you, at least until your debts are sorted out according to the law.
My guess is you want a more specific answer, am I right?
This is one of the most important and often asked questions by Floridians facing foreclosure. So, how long does foreclosure take in Florida? The short answer of where your case will fall between the 6 and 36 month time frame is it 'depends upon your foreclosure defense attorney.' How long you can remain in your home depends on a number of things including the status of your case, the defenses that are available, proper presentation of those defenses and even how many cases are backlogged in our courts.
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All content and images shown on this site are for educational purposes only. We cannot guarantee the information here will apply to your situation. For a complete and individual analysis of your situation please call the office to speak with an attorney. The Owens Law Firm focuses on Bankruptcy, Chapter 7 and Chapter 13, foreclosure defense, creditor harassment, and asset protection throughout the Tampa Bay area including, Tampa, Lutz, Brandon, Temple Terrace, Riverview, Valrico, New Tampa, Clearwater, St. Petersburg, Largo, Dunedin, Gulfport, New Port Richey, Port Richey, Trinity,Dade City, Zephyrhills, Land O'Lakes and all surrounding areas of Hillsborough, Pinellas and Pasco County. The consultation is free.
