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Is Bankruptcy For Real? Is It Right For You? Yes... and Yes!
People believe a lot of false information about bankruptcy. Banks and credit card companies want it that way. Unfortunately, it means that many hard-working people and well-meaning families struggle for years with debt they can't handle. In most cases, the families aren't irresponsible. Things just get out of control and, to make matters worse, the credit card companies change the terms about paying back credit card debt, making it almost impossible to come out ahead.
Free Consultation With an Experienced Bankruptcy Attorney • 100% Guarantee
At the Florida Debt Relief Center, LLC, we want you to know the facts about bankruptcy. Let's start with a basic overview on this page.
The laws are complex and nobody can possibly understand everything unless you work in the bankruptcy courts everyday, like us. Any attorney who handles bankruptcy as part of a long list of other areas could not possibly be as familiar with the nuances of bankruptcy law, let alone be able to provide you with the bankruptcy solution best for you.
We invite you to contact us with more questions and to arrange a free consultation about your debt problem. Let one of our lawyers show you that bankruptcy really is a way to help you get the second chance you need. Before you consider the alternatives, talk to a law firm that has helped thousands of good people, just like you, get a good night's sleep for a change.
It's just debt, not the black plague. We'll help you get rid of it. From our offices in Fort Lauderdale and West Palm Beach, we represent clients throughout South Florida. Contact us by e-mail or call us at
A Basic Overview
Although some form of bankruptcy has been around since the earliest days of the United States, Congress enacted the current Bankruptcy Code in 1978 and enacted significant changes to it in October of 2005. The code serves as the uniform federal law that governs discharging personal and corporate debt through the formal bankruptcy courts.
Every judicial district in the United States includes a bankruptcy court and each state has one or more districts. Overall, there are more than 90 bankruptcy districts, which typically include their own clerk's offices.
In each case, a United States bankruptcy judge presides over all decisions. The judge is responsible for all decisions connected with a bankruptcy case, including the filer's eligibility and whether the debts can be discharged. In most cases, the bankruptcy process is generally an administrative process, conducted in law offices and administrative buildings, rather that at the courthouse. The person responsible for carrying out the administrative responsibilities for the filling is known as the bankruptcy court trustee, appointed by the presiding judge to oversee the case.
What Will Be Expected of You?
As a filer, you will probably have very little contact with the courts, the judge or the trustee. In most cases, your attorney will handle everything for you. If you are filing Chapter 7 to eliminate your debts, you will only appear in court if there is an objection raised to some of the debts you wish to discharge. If you are filing Chapter 13 to establish a debt repayment plan, you will only appear in court to have your plan confirmed by the judge and trustee. Typically, the only hearing at which you must appear in person is called the meeting of creditors, which is typically conducted in trustee's office. It is often referred to as the '341' meeting, referring to the section of the bankruptcy code that requires it. By the way, even though it is called the "meeting of creditors," it is quite rare that even one of your creditors actually shows up. In most cases, it's just you, your attorney and the Trustee having a "chat" under oath for roughly 4-5 minutes. That's all.
Contact us to discuss your specific debt circumstances. Start over today. Start sleeping tonight.
We are a debt relief agency. We proudly help people file for bankruptcy relief under the Bankruptcy Code.
