What is Chapter 7 Bankruptcy?

If you are facing overwhelming debt, or if some life event has occurred, that has reduced your income or increased your expenses, a Chapter 7 Bankruptcy might be right for you. It was created so that the honest person can get a fresh start.

Vero Beach or West Palm Beach offices of Desmond Law Firm can help file an affordable Chapter 7 Bankruptcy.

A Chapter 7 Bankruptcy may allow you to eliminate most of your unsecured debts, including doctor's bills, hospital bills, judgments and garnishments, old taxes and credit card debts. You may be able to keep certain assets, including your car, house, life insurance policies, annuities, and retirement accounts. In Florida, depending on your situation, those items could have a value as high as $6,000 per person or $12,000 for a couple filing together.

When a person files for Bankruptcy, creditors and debt collectors must stop calling them or contacting them in any manner in their effort to collect on the debt.

A Chapter 7 Bankruptcy will also put an end to wage garnishments and any and all lawsuits filed by creditors.

A Chapter 7 Bankruptcy can take as little as six months from start to finish. Once the Bankruptcy Court Judge grants you a bankruptcy discharge, you will no longer be legally responsible for the discharged debts.

Certain restrictions apply to Chapter 7 Bankruptcies. If you have questions, contact the Desmond Law Firm to learn if a Chapter 7 Bankruptcy would be the right option for you. Our firm offers a free consultation. Payment Plans Are Available.

Bankruptcy Attorney Leo W. Desmond will provide zealous representation and perhaps the most affordable attorney filed Chapter 7 Bankruptcy, at a cost of $695 plus Court Costs if you qualify, with offices in Vero Beach and West Palm Beach to serve Desmond Law Firm's South Florida clients.

Attorney Leo W. Desmond is not just a Bankruptcy Lawyer but a highly experienced consumer litigation attorney. Many of the law office's clients have been able to bring legal actions against the very debt collectors that are representing our clients creditors and have received thousands of dollars that they kept after the bankruptcy as a result of the Fair Debt Collections Practices Act (FDCPA).

If you live in Vero Beach, Sebastian, Fort Pierce, Port St. Lucie, Jupiter, West Palm Beach, Lake Worth, or Wellington, Desmond Law Firm has an office close to you.

Benefits of Bankruptcy

  • » It provides a "Fresh Start" for a person in financial distress.
  • » It eliminates numerous and potentially overwhelming bills such as doctor's bills, hospital bills, unsecured personal loans, business debts, and credit card debts.
  • » It may be able to eliminate old tax liabilities.
  • » It eliminates judgments and garnishments.
  • » It eliminates deficiencies owed to banks from short sales or mortgage deficiencies from foreclosure.
  • » It eliminates deficiencies owed as a result of the repossession of a car, boat or other item.
  • » It stops a foreclosure of a house or a foreclosure sale.
  • » It stops any creditor lawsuit filed against you.
  • » It stops the repossession of items such as cars, boats or other items from banks and creditors.

** Who Qualifies **

In order to qualify for the affordably discounted rate of $695.00 plus court costs, an individual or a couple must have only consumer debts and must have been receiving emails, letters, or telephone communications from debt collectors in the preceeding 12 month period and must be able to produce at least six of those communications and from different debt collectors.


How long must I live in Florida to file a Chapter 7 Bankruptcy?

180 Days in the District in which you plan to file.

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Will filing a Chapter 7 Bankruptcy stop a foreclosure?

Yes, however, if you are unable to become up to date with your mortgage payments, the foreclosure may proceed with Bankruptcy Court approval.

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Will filing a Chapter 7 Bankruptcy end garnishments?

Yes. Garnishments are an effort to collect on an old debt and thus must stop upon the filing of the Bankruptcy Petition.

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Is my spouse required to file a Chapter 7 Bankruptcy with me?

No. It is not necessary. Every situation is different. However, in many cases it is advantageous for you and your spouse to file a joint Bankruptcy Petition.

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Will filing a Chapter 7 Bankruptcy stop bill collectors from calling?

Yes. Upon filing the Bankruptcy Petition the law requires that all collection efforts against you must stop.

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Will I lose my home if I file a Chapter 7 Bankruptcy?

As long as you are up to date on your payments, you should be able to keep your primary home in a Chapter 7 Bankruptcy.

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