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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 defense.

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, the following:

Chapter 7
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.

Chapter 13
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.

Foreclosure Defense
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.

Debt 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.

Loan Modifications
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.

Short Sale
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 financial slate.

Wage Garnishments
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.

Repossessions
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.