We are a Florida bankruptcy law firm not a Foreclosure Law Firm that represents clients with homes or investment properties located in Miami-Dade County, Broward County, Palm Beach County,  Martin County,  Monroe County,  Indian River County,  St Lucie County  and throughout the State of Florida.

One of the things we have found to be helpful to most people facing foreclosure is the filing of Chapter 7 bankruptcy or Chapter 13 bankruptcy.

Let's face it getting the bank on the phone to negotiate is tough. Plus the banks want to get paid one way or the other. What if your bank agreed to lower your payments could you still stay in your home? For many people the answer to this question is "no". The problem is the economy, it is not your fault that in addition to not being able to pay your mortgage you also can't pay your credit cards or your car payment.

Many people lost their jobs, ran into health problems and other situations came up in which they found themselves unable to pay their bills. Now the creditors are calling every day asking when they will be paid.

Credit card companies keep raising their rates while the Federal government keeps lowering the rates they charge the banks. It doesn't make sense and the consumers are the ones getting stuck with the bills.

We keep hearing about the bailout for the banks and the bailout for the insurance companies. Florida bankruptcy may be the bailout you've been waiting for.

The principles upon which bankruptcy rest, most notably that of forgiveness and a new beginning (or "fresh start") are precisely those ideals expressed in the Bible:

At the end of every seven years you shall grant a release.
And this is the manner of the release: every creditor
Shall release what he has lent to his neighbor, his brother,
Because the Lord's release has been proclaimed.
Of a foreigner you may exact it; but whatever of yours
Is with your brother your hand shall release.

Deuteronomy 15:1

Please click here if you would like to have a free, no cost or obligation consultation with a Florida bankruptcy attorney.