Bankruptcy Services: Chapter 7, Chapter 11, and Chapter 13

Chapter 7 Bankruptcy – Liquidation Relief
If you’re burdened with unsecured debts like credit cards, medical bills, or personal loans, Chapter 7 may allow you to discharge most of these debts and start over. This form of bankruptcy is typically best for individuals with limited income and few assets.

Chapter 13 Bankruptcy – Wage Earner's Plan
If you have a regular income and want to catch up on missed mortgage or car payments without losing your property, Chapter 13 allows you to restructure your debts and repay them over 3 to 5 years under court supervision.

Chapter 11 Bankruptcy – Business & High-Debt Reorganization
Chapter 11 is commonly used by businesses or individuals with substantial assets and debts. It allows for debt restructuring while continuing operations. Our team can help you navigate the complexities of Chapter 11 and preserve your business or investments.

Foreclosure Defense – Protect Your Home

If your lender has started the foreclosure process, time is critical. Florida is a judicial foreclosure state, meaning the lender must file a lawsuit to foreclose on your home. Our legal team can:

Review your mortgage documents for errors or violations

Challenge improper foreclosure practices

Negotiate alternatives like short sales, deed-in-lieu, or reinstatement plans

Represent you in court to fight foreclosure and protect your rights

Loan Modification – Lower Your Payments, Save Your Home

A loan modification can reduce your monthly payments by adjusting your mortgage terms. We help Florida homeowners apply for and negotiate mortgage modifications that can include:

Lower interest rates

Extended loan terms

Deferred or forgiven principal

Bringing a loan current through structured repayment

Why Choose NeedFloridaLawyer.com?

✅ Local Florida Expertise
✅ Aggressive Debt Relief Solutions
✅ Compassionate, Personalized Support
✅ Free Initial Consultation

We know how stressful financial hardship can be. Our mission is to provide practical, effective legal strategies to help you regain control of your life and finances.

Schedule a Free Consultation Today

Let’s find the best path forward. Call (954-495-9705 EXT 101) or contact us online to speak with an experienced Florida bankruptcy and foreclosure attorney today.