If you live in the Westchase area, by Tampa, Florida, and are seeking a Bankruptcy Attorney then Jay Weller is the choice of many. Mr. Weller has been practicing Bankruptcy Law since 1993, and has represented many thousands of Clients in Bankruptcy Proceedings.
Weller Legal Group represents Debtors, and only Debtors, in Bankruptcy matters. From the simple to the complex, our Bankruptcy Attorneys and Paralegals are equipped to provide assistance and guidance.
Most of our Clients who file Bankruptcy will file either a Chapter 13 or Chapter 13 Bankruptcy. Chapter 13 Bankruptcy is generally referred to as a Wage Earner’s Plan or a Debt Reorganization or Debt Consolidation. Chapter 13 Bankruptcy enables the Debtor to consolidate most or all of his or her Debts into one monthly payment. Usually the monthly payment is significantly reduced from the obligations incurred prior to the Bankruptcy filing.
Chapter 13 Bankruptcy is often used to stop Foreclosures on the Home or Homestead of the Debtor. In Chapter 13, the Homeowner may pay any arrearages or missed payments on the Mortgage, over a period of thirty six (36) to sixty (60) months.
A Homeowner in Chapter 13 Bankruptcy may also seek the modification of his or her mortgage. The Bankruptcy Court sponsors a Program called the Mortgage Mediation Program wherein the Debtor may seek a permanent Loan Modification. Our Office has successfully lowered mortgage payments, interest rate charges, and even principal reduction of the mortgage balance, through the Mortgage Mediation Program.
Chapter 7 Bankruptcy is often called a Straight Bankruptcy or Straight Liquidation. In Chapter 7 Bankruptcy the Debtor seeks to Discharge or erase, his or her Unsecured Debts. An Unsecured Debt includes generally, credit cards, medical bills, signature loans, deficiencies on Secured Debts, and Pay Day or Cash Advance Loans.
There are some limitations on the Debtor’s ability to Discharge such Debts, especially in Chapter 7 Bankruptcy. A Debtor with large cash advance charges, large purchases within a short period before the Bankruptcy filing, and other activity considered abusive under the Bankruptcy Laws may find such Debt not Discharged through the Bankruptcy Proceedings. Mr. Weller may advise when such issues are present.
Bankruptcy may have many benefits to a Debtor in distress. Bankruptcy may stop Foreclosures, Repossessions, Garnishments, Lawsuits, and other actions by Creditors. Bankruptcy will generally stop harassing phone calls and collection letters by Creditors.
If you live or work in Westchase, or in the greater Tampa Bay region, please call Mr. Weller today. His direct number in Tampa is 813-229-3328 (DEBT). Our Toll Free Number is 1-800-407-3328 (DEBT).
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