Frequently Asked Questions

How did this happen?

Often, it begins with an unexpected misfortune. It might have been loss of a job, a divorce, a medical problem, or simply runaway credit card interest. The loss of income for even a short time can suddenly create a snowball effect. Even the most financially responsible individuals can find themselves in a situation in which they are unable to dig themselves out. If you are living with these problems and don't know what to do, you've come to the right place. We can and want to help you put your financial situation back on track.

I owe more than I can pay, what can I do?

Filing bankruptcy may be the best choice for you, because in bankruptcy, you can seek to discharge (forever make unenforceable against you personally) credit card debts, medical debts, many kinds of contract debts, and tort debts for negligence. Call Freire & Gonzalez at 305-826-1774 , for a free first consultation, and ask our attorneys whether bankruptcy is the right way to deal with your financial problems.

I just got sued on debts I haven't been able to pay, and I can't afford to defend the lawsuit(s), what can I do?

Filing bankruptcy may be the best choice for you. Call Freire & Gonzalez, for a free first consultation, and ask our attorneys whether bankruptcy is the right solution to deal with your financial problems. Filing bankruptcy will give you the protection of the bankruptcy automatic stay, which stays (stops) law suits to collect pre-petition debts from proceeding to judgment.

What is the biggest advantage of filing for bankruptcy?

By filing bankruptcy, you may be able to discharge credit card debt, medical debts, many kinds of contract debts, personal guarantees, some kinds of tort debt (negligent torts, not intentional torts) and even some taxes.

By filing for bankruptcy, am I ruining my credit?

Probably not. Most likely your credit has already been damaged. By filing bankruptcy you will actually be able to begin to rebuild your credit. It totally depends on what you do after filing for bankruptcy. If you file a Chapter 7, make all remaining payments on time. If you file a Chapter 13 plan, creditors (especially if you are considering refinancing) look at whether you make the bankruptcy payments on time.

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