LEGAL SERVICES: BANKRUPTCY

DID YOU KNOW? If you have 2 mortgages and your home is underwater on the first mortgage (i.e., you owe more than your home is worth), you can strip the 2nd Mortgage off the property by filing and completing a Chapter 13 Bankruptcy. Fees for this service are affordable and can be paid over time. This action can be very beneficial to persons with homes in severe financial distress.

DID YOU KNOW? Many working people still qualify for Chapter 7 bankruptcy under the new bankruptcy rules. In fact, a family of four (4) with a gross income of less than $68,000.00 would probably still qualify. Please call us for a free telephone consultation to see if you might qualify.

DID YOU KNOW? Under certain circumstances you can discharge/eliminate all of your credit card debt in bankruptcy and keep your retirement money and the equity in your home. Before you cash in your retirement account or take money out of your house to pay-off unsecured debt, please call us.

DID YOU KNOW? You may be able to keep your home, even if you are many months behind on the mortgage payments. As long as your home has not been sold at auction there may still be a chance for you to save it. However, time is of the essence. Call us right away.

Todd W. Henry, Esquire, represents persons who need to file for bankruptcy under Chapters 7 or 13 and who live in the Middle District of Florida, Jacksonville Division, which consists of the following 16 counties:

Baker	Columbia	Marion	Sumter
Bradford	Duval	Nassau	Suwanee
Citrus	Flager	Putnam	Union
Clay	Hamilton	St. Johns	Volusia

We are now offering free telephone conversations with an attorney prior to setting an appointment with our office. This telephone conversation will typically last 5-10 minutes and is for the primary purpose of determining whether bankruptcy may or may not be a realistic option for you. For example, there are certain "residency" requirements that must be met in order for you to file in this district.

Also, if you have filed bankruptcy in the past there are certain "waiting periods" before you are allowed to file again under current law. These and other requirements will be discussed during your free phone conference with the attorney.

Helpful links:

Click Here to have the attorney call you for a FREE telephonic consultation.	Click Here to download a fill-in-the-blank Bankruptcy Worksheet (coming soon)- to get started right away!

All new clients must meet with the attorney to fully discuss your particular situation. This meeting usually lasts 45-60 minutes. Please call or Click Here request an appointment date and time. The fees associated with hiring our law office are based on your income and the complexity of your situation. We look forward to helping you get a Fresh Start!

A helpful movie about Bankruptcy Law: http://www.flmb.uscourts.gov/bankruptcybasics

To make an appointment to learn your rights and discuss your options, please call us at: (904) 264-6776. To request that our office contact you to schedule an appointment CLICK HERE.