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Pompano Beach, FL Bankruptcy Lawyers

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Being in debt can sometimes feel like you are swimming in the open ocean, and even though you’re swimming as hard as you can, the shore keeps moving farther and farther away. It can be difficult to come to terms with the fact that you have a problem that you can’t solve on your own. However, no one deserves to suffer under the weight of debt forever. Despite the negative stigma surrounding bankruptcy, it can sometimes be the best option in order to achieve your fresh financial start. Call The Santos Law Offices, P.A. to schedule your free phone consultation with our experienced Pompano Beach bankruptcy lawyers and learn more about how filing for bankruptcy can eliminate your debts and put you on the road to financial freedom.

What Types Of Bankruptcy Are There?

Chapter 7 Bankruptcy

Our bankruptcy attorneys may advise you that filing for Chapter 7 bankruptcy is the most appropriate option for your situation. It is commonly used by people who are unemployed or are not getting a steady paycheck. Chapter 7 is also known as “liquidation” bankruptcy, because some of your assets will be liquidated to pay off a portion of your debts. However, many of your assets are protected, such as your home, daily car, retirement accounts, pensions, 401(k) plans, and more. 

Chapter 13 Bankruptcy

On the other hand, if you do have a job and earn regular income, your bankruptcy attorney may advise you to file for Chapter 13 bankruptcy – sometimes referred to as “reorganization” bankruptcy. In this case, the court will create a payment plan for the filer, in which a portion of their debts will be repaid within the next 3-5 years and the remaining debt will be discharged. Individuals who file will be obligated to complete a credit counseling course from a provider that is approved by the Department of Justice U.S. Trustee Program. 

Is Filing For Bankruptcy Always A Bad Thing?

Filing for bankruptcy does not mean you are a failure or that you don’t know how to manage your money, and our Pompano Beach bankruptcy lawyers will never leave you feeling embarrassed or ashamed, no matter your situation! In fact, many people are hesitant to follow through with the process because it is viewed so negatively and the positive aspects are hardly ever talked about. In order to make an informed decision, you should know the pros and cons of working with an attorney to file for bankruptcy.

For one, filing for bankruptcy can greatly reduce the stress caused by your financial situation because your creditors will be forced to stop harassing you, and prevented from pursuing any actions against you such as foreclosure, repossession, wage garnishment, and more. You will also be in the best position to begin rebuilding your credit score. While it is true that filing for bankruptcy will cause your credit score to take a hit initially, you will be able to build it up much faster without your debt holding it down. You will still be able to take out loans and apply for credit cards. 

Our Pompano Beach Bankruptcy Lawyers Can Help You Get Peace Of Mind

At The Santos Law Offices, P.A., our goal is to help you navigate the complex bankruptcy process as smoothly as possible. We are confident that the outcome – freedom from the weight of debt – will be worth the struggle it may take to get there. Our lead attorney, Dalyla Santos, has over 13 years of experience in helping Floridians get a fresh start. She and the rest of our firm are also fluent in Spanish as well as English. Call today to schedule your free phone consultation and learn more about your next steps!

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Pompano Beach, FL Practice Areas

I highly recommend the Santos Law Office if you get sued by a credit card collection agency. I called them and had an appointment by phone, the next day. Within 3 weeks my case was settled and I had a affordable payment plan to settle my debt. Best part of all, I never stepped foot in a court. Thank you Santos Law Offices!!

Vanessa M.

I want to take a second to thank you guys! I never thought that the claim to bring my mother to come from Cuba would move so quickly! it's incredible that within 10 months I was able to finally have my mother by my side after not seeing her for 16 years thank you so much guys!!

Iazaro M.

Yoan RodríguezYoan Rodríguez
16:18 06 Apr 22
I'm so happy!!! And very satisfied with the service and I especially recommend Ariadna Santos for her great work 😊 👍
Yoly EdenYoly Eden
21:52 25 Feb 22
Everyone in that office is willing to help and answer a questions. That’s amazing when I visited the office everyone was so helpful. When I call the office everyone that picks up the phone is so helpful. It’s teamwork that makes your Firm so professional! Thank you again for your support! Best Bankruptsy Lawer, “Santo Law”!
Dan CruzDan Cruz
02:59 13 Dec 21
Amazing team and seasoned attorneys! Great negotiators when it comes down to closing the deal!Took care of a couple of my accounts and were able to get amazing results. Thank you so much guys! Definitely recommend The Santos Law Offices to anyone.
Vanessa MartinezVanessa Martinez
03:36 03 Mar 21
I highly recommend the Santos Law Office if you get sued by a credit card collection agency. I called them and had an appointment by phone, the next day. Within 3 weeks my case was settled and I had a affordable payment plan to settle my debt. Best part of all, I never stepped foot in a court. Thank you Santos Law Offices!!
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