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Is Bankruptcy The Right Debt Relief Option For You?

Filling for bankruptcy is a big decision and not one that should be made lightly. However, for those who need it, bankruptcy can mean the difference between a lifetime of unmanageable debt and a fresh financial start.

If you feel like you are drowning in a sea of debt, don’t let undeserved feelings of guilt or shame stop you from grabbing a lifeline. Instead, contact the Law Office of Christopher G. Frey, Esq., and discuss your options with an attorney who brings more than 35 years of legal experience to each case and client. I have helped many other Floridians find financial freedom through consumer bankruptcy, and I may be able to help you, too.

The Two Most Common Bankruptcy Options

When filing as an individual or with your spouse, you will most likely pursue one of the options below:

Chapter 13 bankruptcy: When you file for bankruptcy through Chapter 13, your debt will be reorganized into a manageable repayment plan. You will have to make payments to the court-appointed trustee. The trustee will then distribute the money to your creditors. In most cases, this plan will last for up to five years.

Chapter 7 bankruptcy: The Chapter 7 bankruptcy process focuses on discharging most of a person’s unsecured debts. These are debts not backed by collateral. Some examples include credit card debt and medical bills. Many Chapter 7 discharges can be completed within a matter of months. Not everyone will qualify for Chapter 7, and some debtors may need to forfeit personal property to partially repay creditors. You can learn more on my Chapter 7 bankruptcy page.

No matter which option you pursue, there are many details to work out with your attorney and your bankruptcy trustee. I discuss these in more detail on the working with an attorney page.

Your Brighter Future Starts With A Free Consultation

The Law Office of Christopher G. Frey serves clients in and around Tampa, Florida. If you want to learn more about possible solutions to your debt issues, contact me today for a free case evaluation. You can reach out online or call 813-322-2419.

This is a debt relief agency. I help people file for bankruptcy relief under the Bankruptcy Code.