St. Augustine Bankruptcy Attorneys
St. Augustine Debt Relief Law Firm
Are you drowning in debt? Do you worry about your future financial security
because you see no possible way to ever pay off everything you owe? Are
you receiving threats of foreclosure or
repossession? If any of these situations is true for you, bankruptcy might be the answer
to your financial troubles and your pathway to a financial fresh start
and future economic security. This federal debt relief option can serve
as an excellent form of
foreclosure defense and
Debt Relief Practice Areas
If you are dealing with insurmountable debt, foreclosure threats, or another
scary financial situation, do not hesitate to speak to our firm. We are
experienced debt relief lawyers who understand the Florida and federal
bankruptcy laws that could potentially impact your situation. We are here
to help you regain the financial stability and independence you need!
Some of the areas we can help you with include, but are not limited to,
Chapter 7 bankruptcies are for people who do not have the financial capacity
to repay their loans. This form of federal debt relief allows Americans
who are struggling beneath truly unpayable debt to restart the clock by
discharging most if not all of what is owed. If you are dealing with overwhelming
debt and are unsure of what to do, don't lose hope! Call our firm
to talk about whether or not you qualify for Chapter 7 bankruptcy.
If you wish to repay your loans in a manageable time frame while holding
on to your property and other assets, filing for reorganization, also
known as Chapter 13, bankruptcy could be the best option for you. This
bankruptcy chapter is designed for people who have some income but just
need more time to repay their debt.
If you are receiving foreclosure threats or notices in the mail, do not
fall for the common misconception that all hope is lost and you have no
options. As a matter of fact, our firm has been able to help many Florida
residents hold on to their homes by providing them with strategic and
helpful counsel and foreclosure defense.
The Constitution of the United States guarantees your right to file for
bankruptcy. This is just one of the viable debt relief options available
to you. If you are being sued for debt or are receiving constant calls
and notices from creditors, do not lose hope! Contact the St. Augustine
bankruptcy lawyers at our firm for the tough and tenacious debt defense you need.
One of the alternatives to bankruptcy that you may wish to consider and
talk over with our legal team is the loan modification process. This debt
relief option allows you to work directly with your individual creditors
to come up with new terms that allow you to repay what you owe without
declaring bankruptcy. Many creditors are willing to agree to loan modifications
in the current economy. Our attorneys are skilled in negotiation and can
work directly with your debt collectors to pursue a satisfactory resolution
to your loans.
When your mortgage is higher than the value of your home, this is termed
an "upside down" or an "underwater" mortgage. If you
are willing to walk away from both your home and your debt, talk to your
lawyer about letting go of your home in a short sale and gaining a clean
Are your debt collectors garnishing your pay? Call our law firm for the
tough advocacy you need if you are the subject of harsh debt collection
methods such as wage garnishment or frozen bank accounts. We can talk
to you about your debt relief options about how to get your life back.
If the bank or debt collection agency is threatening to repossess your
car, call our firm immediately. We understand how to help you get out
of debt and achieve the fresh financial start you need and deserve. Are
you worried that bankruptcy will destroy your credit? Don't be! This
is one of the most common bankruptcy myths. With guidance from our experienced
attorneys, you can regain a good score again!
Find out if bankruptcy is the right solution for you!
Contrary to what some people think, bankruptcy is not new, it is not immoral,
and it does not ruin people for life. Did you know that the United States
Constitution gives Congress the power to set laws relating to bankruptcy?
Bankruptcy was even part of the Mosaic Law in the Old Testament. In addition,
many successful companies and talented individuals have gone through financial
hard times that forced them to pursue this debt relief option in order
to regain financial stability before going on to achieve greatness. Notable
people who filed bankruptcy include:
- Abraham Lincoln
- Henry Ford
- Walt Disney
- Milton Hershey, the founder of Hershey's Chocolate
- Burt Reynolds
- Mike Tyson
- MC Hammer
- Willie Nelson
- Thomas Jefferson
Bankruptcy is not the end; for many people, it can be a whole new beginning. Each
St. Augustine attorney at the Albaugh Law Firm is experienced in helping our clients file Chapter
7 and Chapter 13 bankruptcies. Our bankruptcy attorneys view this debt
relief option as an opportunity for people drowning in out-of-control
debt and endless harassment from creditors to get a fresh start and a
clean slate from which they can rebuild their lives. We understand that
each individual client has unique circumstances and challenges that landed
them in the situation where bankruptcy is their best and last resort,
so we strive to provide our clients with a compassionate, non-judgmental
setting in which to work through this vulnerable time in their lives.
If you are drowning in a sea of debt or facing wage garnishments or other
forms of extreme debt collection, do not hesitate to secure the strong
legal support you need to move on from this difficult chapter of your
life. At the Albaugh Law Firm, we are prepared to offer the counsel and
assistance you need during this time! There is hope, and we are here to
help you recover your financial well-being. Call our office today to discuss
your case. We can help you assess whether bankruptcy is right for you
or if another debt relief option - such as obtaining a loan modification,
offering a deed in lieu of foreclosure, or arranging for a short sale
- is a better resolution to your debt problem.
Bankruptcy Lawyers in St. Johns County
Our main goal is to ensure that our clients receive the most favorable
possible outcome to their bankruptcy case so that they can springboard
into a brighter and more prosperous future. Our array of experience includes
loan processing for a mortgage broker, so we understand how credit works
and how potential lenders evaluate people's creditworthiness. We are
prepared to help you not only file for bankruptcy but also successfully
rebuild in order to regain financial stability.
As part of our service to our bankruptcy clients, we share our wealth of
knowledge in this area with the individual men and women we represent
and offer practical advice about what they can do after their bankruptcies
to repair their credit as quickly as possible. In many cases, filing for
bankruptcy can actually help our clients' credit in the short term
while creating a long-term situation through which they can actually achieve
an excellent credit rating.
Call today for your free case evaluation!
You do not have to continue struggling through life from paycheck to paycheck
under a mountain of debt. There is hope!
Call the Albaugh Law Firm today to take the first step toward a brighter financial future. Our bankruptcy
attorneys are waiting to discuss your financial situation and how filing
for bankruptcy may be your best option. Our initial case evaluations are
always free of charge, so you have the opportunity to learn about the
services we offer and how our firm may be able to help you without feeling
pressured to make an immediate financial commitment. Call today for your
free consultation with an experienced Albaugh Law bankruptcy attorney.