Debt Relief Law Firm serving Naples, Fort Myers and Marco Island, Fl.
Alberto H. Hernandez, P.A. is an experience Naples Bankruptcy Lawyer
Alberto Hernandez is a Naples Bankruptcy Attorney specializing in Bankruptcy Law. When hiring a debt settlement attorney in Naples, Florida it's ideal that you hire a law firm that specializes in bankruptcy. Many law firms practice bankruptcy on a part time basis. At the Law firm of Alberto Hernandez P.A. all we do is bankruptcy, No Real Estate Law, No Divorce Law, personal injury or any other law specialties.
When you hire the law firm of Alberto Hernandez to file your Chapter 7 or Chapter 13 bankruptcy you can expect a dedicated team of individuals offering a personalized level of service, uncommon from law firms practicing many different types of law specialties. Because bankruptcy is all we do, every member of our team has an in dept knowledge of every step and proceeding and is able to address your case in a fast an efficient way.
Hiring a Debt Relief Lawyer
Since 1991, the Law Offices of Alberto Hernandez P.A. have been helping small business and individual deal with their debt. Today Alberto Hernandez is one of the leading bankruptcy law firm in Naples Fl. We understand that bankruptcy could feel like the end of the world for many but it does not have to be like that. Many, if not all of our clients, are able to return to productive lives after filing bankruptcy and so can you. Bankruptcy law proceedings are in place to help small business and individuals deal with debt that they can no longer afford. Many companies like Winn Dixie, K-Mart, and American Airlines have filed bankruptcy and emerged on the other side stronger and able to offer a better future for the company and its employees. Bankruptcy is not limited to companies; many high profiles businessmen like Donald Thump have also filed bankruptcy and continue with productive prosperous lives. The fact is that many of us at one point or the other have gotten in over our heads with debt, in many cases for no fault of our own. Many of the individual that cause the market fall of 2007 used the bankruptcy law to get out of debt and it is important for you to understand that these laws are in place to help you as well.
Because any type of debt settlement or loan modification can impact your way of life on a short term basis,it is important that you consult an experienced Naples Bankruptcy Legal Team who can explain your option and rights under each of the different bankruptcy chapters.
There are six main bankruptcy chapter listed under the US Court federal bankruptcy division. Each of this has slight variants that take into consideration your income, what you do for a living, the type of debt, your resident state and many others criteria.
- Chapter 7 Bankruptcy - Liquidation Under the Bankruptcy Code
- Chapter 13 Bankruptcy - Individual Debt Adjustment
Alberto Hernandez P.A. is a law firm in Naples, Florida specializing in chapter 7 and chapter 13 bankruptcies throughout Southwest Florida communities of Fort Myers, Cape Coral, Fort Myers, Bonita Springs, Golden Gate Estates, Marco Island, Sanibel, and Punta Gorda, Fl. in both Spanish and English. Our specialties are defined as follow:
Chapter 7 Bankruptcies is most commonly known as a "Liquidation Bankruptcy" but this is not 100% accurate; individuals with limited or no assets can still have their debt forgiven. In fact, the majority of Chapter 7 bankruptcies filed in Naples Florida are no-asset cases. This simply means that the debtor does not own any "nonexempt assets" that can be sold to pay creditors. Please contact the Naples Bankruptcy Lawyer Alberto Hernandez for a FREE consultation where we can determine how many of your assets are exempt under the Chapter 7 Bankruptcy Law.
In this slow economy, chapter 13 bankruptcies are on the rise because it allows individuals to restructure or reorganization their debt taking into consideration the current market value of the assets, current income and type of debt. Chapter 13 offers Debt Adjustment for individuals. Unlike Chapter 7, Chapter 13 allows a debtor to keep property of substantial value and pay debts over time, usually a period of three to five years.
If you are a resident of Naples Florida, in debt and unable to meet your financial responsibilities, you should consider consulting an experienced Naples Bankruptcy Law Firm to discuss your option and rights under the federal bankruptcy law. In many cases, you can save your house, stop car repossessions, wage garnishment and other tactics often employed by creditor, credit card companies and bank looking to recover as much as possible before you seek legal help. The Naples Law Firm of Alberto H. Hernandez, Esq. and his dedicated team can help you put a stop to all of this and give an opportunity to a fresh start.
Give us a call today and stop the harassing calls, threats and nasty letter, please call us at 239.200.4243 or fill the form below to request a private FREE consultation. Please do not included personal or private information via this website and note that communication via the internet does not constitute an attorney - client relationship.
The hiring of Debt Relief Agency is a decision requiring some due diligence Alberto Hernandez P.A. is an attorney at law member of the Florida Bar Association and serving the community of Naples Florida since 2010. Naples-Bankruptcy-Lawyer.com is a marketing website for the Law Offices of Alberto Hernandez P. A., although some consideration has been paid to the accuracy of its content, no guarantee is here expressed or implied due to constant changes in both state and federal law.