Pasco County, FL Bankruptcy Attorney
As a bankruptcy attorney serving Pasco County, Florida and the surrounding areas, Carolyn Secor, P.A. understands the pain and stress associated with bankruptcy and foreclosures. Both financial incidents place a tremendous strain on families and individuals, making it challenging to secure loans, make payments, and save money. But there are legal tools available to those who have fallen on hard times. At our practice, we have accumulated both experience and knowledge of state and federal bankruptcy and foreclosure laws. Our expertise enables us to design plans to get our clients out of their financial holes and discover newfound monetary security. We use Chapters 7 and 13 bankruptcies to help our clients. Don’t hesitate to reach out to our firm today. The bankruptcy law firm of Carolyn Secor, PA can help.
Seek Help From A Professional Bankruptcy Attorney
While facing immense debt and the threat of foreclosure are stressful events, they are not insurmountable. There are legal protections available to you. We help clients utilize those protections to help them climb out of their situation and find a way to build a more sustainable financial future. Experience matters, and Carolyn Secor, P.A. possesses all the experience you need to file for bankruptcy and successfully fight foreclosure. What do we need from you? To begin, our team requests that you bring with you the documentation of your current financial situation. These documents will help form the basis of our legal strategy. For instance, if you are considering bankruptcy, we will need copies of statements from your debtors. For foreclosures, we might request documentation of all communication between you and your lenders. We’re proud to offer free initial consultations to help guide you further. How can bankruptcy and foreclosure defense help you?
Bankruptcy Cancels Debt
There are two primary forms of bankruptcy: Chapter 7 and Chapter 13. While both types ultimately clear your debt, they require different stipulations and work differently. For instance, during Chapter 7 bankruptcy, your debtors use your possessions to reclaim unsecured debt. One of the reasons to hire an attorney is to protect those possessions. In most cases, repossession isn’t necessary. Unlike Chapter 7 bankruptcy, Chapter 13 requires participants to maintain a steady income, among other things. The process for this bankruptcy takes three to five years.
Foreclosures Aren’t a Foregone Conclusion
You might think the bank holds all the cards, but this isn’t necessarily true. A good attorney can negotiate with lenders to devise a mortgage payment that prevents foreclosure. We are skilled mediators, which allows us to work with your lenders on your behalf, ensuring you do not lose your beloved home. Foreclosure defense is one of our specialties, and we’re proud to have defended the rights of homeowners throughout Pasco County, FL for years.
Climbing Out of Debt is Easier Than You Think
Sometimes, all you need to defeat debt is a little help. That’s what the bankruptcy & foreclosure law firm of Carolyn Secor, P.A. provides. We place an emphasis on individualized representation because we understand that no two situations are the same. Most importantly, we understand the stress these situations place on families and individuals. Our goal is to guide you through them, ensuring you get to live a stress-free life once you’re on the other side of the bankruptcy or foreclosure defense process. We’re proud to say we have helped countless Pasco County, FL residents save money and improve their lives.