Bankruptcy and Foreclosure Law in Tampa Bay, FL
Carolyn Secor, P.A. provides exceptional legal services to clients experiencing financial difficulties. As experienced bankruptcy attorneys operating in Tampa Bay, FL, we know the ins and outs of the legal system and how to secure results for our clients. We also understand the stress and anxiety caused by severe debt and have developed methods for easing that stress and helping clients out of their financial situations. Bankruptcy is a handy tool, but it is best left to the professionals. People who attempt to engage the process often find they misfile documents, resulting in a dismissal of the case. Not only does it derail your current case, but it can have an impact on future attempts. Contact us today.
We’re Here To Help You
Immense debt can be challenging to defeat, especially as new costs and payments mount. Sometimes, the best thing to do is hit the reset button; and fortunately, bankruptcy provides just that for some individuals. These legal protections allow people to negotiate with their lenders and debtors to find a way out of their situation. The bankruptcy law firm of Carolyn Secor, PA takes pride in helping clients determine which bankruptcy solution suits them best and then we handle the rest! When it comes to bankruptcy and foreclosures, you have three primary options:
Chapter 7 Bankruptcy
We will recommend Chapter 7 bankruptcy over Chapter 13 in some cases. Chapter 7 bankruptcy offers some benefits but comes with drawbacks as well. For instance, you can wipe out most unsecured debt with this tool, but debtors can repossess your belongings to secure payments. If you have a good-paying job, Chapter 13 might be a better option.
Chapter 13 Bankruptcy
Federal courts require those who seek Chapter 13 bankruptcy to maintain gainful employment and a steady income. This form of bankruptcy involves a client paying their debts in smaller potions over three to five years. The upside is the courts freeze all current payments during this period, enabling you to catch up.
Foreclosures are scary, but they can be avoided with the right representation. Many lenders are willing to negotiate to allow homeowners to remain in their houses. Homeowners just don’t realize it. We have the connections required to have those conversations and bridge the divide, so you can continue living in your home. Our foreclosure defense strategies are among the best in the region. We’re proud to have helped clients retain the homes they’ve built over the years.
Climbing Out of Debt is Easier Than You Think
Whether you are facing seemingly insurmountable debt or foreclosure, Carolyn Secor, P.A. can help. We have years of experience navigating the legal field and have helped clients of all kinds along the way. Tampa Bay is a beautiful place to live, but you can’t possibly enjoy it when your checkbook is in the red. With our help, we can re-establish financial security in your life.