Your personal bankruptcy options

The econ­omy is in the midst of a down­turn, and like count­less other Florid­i­ans, you may find that no mat­ter what you do, you are unable to get out from under your debt.

For the aver­age per­son, mount­ing bills and con­tin­u­ing tele­phone calls from cred­i­tors can be over­whelm­ing, and even so, mak­ing the deci­sion to con­sult a bank­ruptcy attor­ney is very dif­fi­cult. The prospect of involv­ing an attor­ney and the courts in your per­sonal finances is under­stand­ably fright­en­ing. In the right hands, how­ever, the bank­ruptcy laws and courts can pro­vide you the relief and pro­tec­tion you need.

Bank­ruptcy is designed to pro­vide peo­ple with a fresh start. In many cases, bank­ruptcy can offer sig­nif­i­cant ben­e­fits, includ­ing imme­di­ate relief from mort­gage and other cred­i­tors, and the oppor­tu­nity to regain your dig­nity, peace of mind and finan­cial foot­ing. It may even pro­vide the oppor­tu­nity to begin sav­ing money to give you a finan­cial cush­ion to weather the dif­fi­cult times ahead.

Each person’s finan­cial sit­u­a­tion is dif­fer­ent. Bank­ruptcy is not a cookie-cutter process of fil­ing forms. It requires real, hon­est, and thor­ough legal analy­sis and advice from an expe­ri­enced attor­ney who is will­ing to take the time to focus on your indi­vid­ual situation.

If you are hav­ing per­sonal finan­cial prob­lems, an attor­ney from Ricardo, Wasy­lik & Kaniuk can help. We can also help you under­stand the bank­ruptcy laws and how they may apply to your indi­vid­ual sit­u­a­tion. Together we can chart a path to finan­cial security.

An ini­tial con­sul­ta­tion will allow us to review your sit­u­a­tion, deter­mine your needs, and pro­pose a plan of action to reach your goals and pro­tect what is impor­tant to you.