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Filing Chapter 7
As the most common form of personal bankruptcy, Chapter 7 involves the liquidation of your non-exempt assets, which are then distributed to your creditors, in exchange for a discharge of your debts. Chapter 7 is also referred to as ‘liquidation’ and represents a “fresh start” for individuals. It sounds a lot worse than it really is. Most people do not lose any property in a bankruptcy. In addition, many of our clients are concerned about their future credit rating. Stop worrying. Although Chapter 7 bankruptcy stays on your credit report for ten years, the negative impact on your credit score diminishes considerably after one and a half to two years. I speak from experience because I have been through bankruptcy and I will help guide you in determining your options and providing bankruptcy advice and information during a FREE consultation in Orlando or Kissimmee.
Not everybody can file for Chapter 7 but most qualify. In 2005, Congress passed the Bankruptcy Prevention Abuse and Consumer Protection Act (BAPCPA), which introduced a “means test” to establish eligibility. Under the means test, an applicant must demonstrate an average income below the state’s median income in order to qualify for Chapter 7. Many clients come to us and think they cannot file a Chapter 7 because they make too much money. They are then pleasantly surprised when we are able to qualify them for a Chapter 7 bankruptcy. Let us handle everything. In our office you are not given a large “packet” to fill out. Rest assured, we do all the work. We can help you determine what is the best course of action. Those who do not qualify for Chapter 7 can pursue a Chapter 13 bankruptcy instead. I am looking forward to helping you and your family restart your life.
Filing for personal bankruptcy in Orlando can be quite complicated. Reset the clock, Life does have a RESTART button. The Law Offices of Walter Benenati will walk you through the paperwork and help ensure that the decisions that you make are in your best interests. Call 407-BANKRUPT (407-777-7777) for chapter 7 bankruptcy in Orlando.
Don't Just Take Our Word for It
“I was very hesitant to go through the procedure of bankruptcy, especially at this late age of my life of the close to retirement years. Going through difficult personal health and family events made this very hard, yet every person I came in contact at the Law offices of Attorney Walter Benenati made me feel at ease. They were always quick to answer any questions. Even one time I was shocked I emailed the office and not even a couple of minutes later the attorney called to answer my question. My 17 year old son, was next to me and he was “mom did that just happen”? Every step of the way they were with me. They always informed me of any changes etc. So appreciated communication and help from Olga, Maria, Zumary, Stephanie, Jennifer and Chris. I am extremely grateful to Denisse B. & Attorney Claribel Acosta for helping me so at ease with the transitions and process of it all till the end. These girls rock!!! Great communication, Great Service, forever grateful for the blessing of the Benenati Law Office for this Season of my Life. Trust me , Attorney Walter Benenati was the right choice for me and it will be for you too.”
Robert and Joyce W.
“We were very impressed with professionalism no matter who we spoke to when we called the office. We were always treated with respect and kindness. The process was very smooth and there were no surprises. The whole procedure was explained beforehand and the process was exactly as explained. We were very embarrassed at having to file bankruptcy but Mr. Benenati and his staff always made us feel at ease and helped us to maintain our dignity through a very difficult time. We cannot thank them enough for helping us to get a fresh start!”
“I’m not sure if my words alone, could explain every detailed step that was taking by every individual in the Orlando and Kissimmee offices, that helped me with all of my documents. They went above and beyond. Customer services is an understatement. I work with over 65000 people and word of mouth is everything. If you need a lawyer and his staff that will work hard for you, Walter Benenati and his staff should be your # 1 choice.”
“Initially, I was embarrassed about having to file for bankruptcy. Your firm made me feel comfortable about my decision and did not judge me at regarding my past financial decisions. Everything happened just the way it was explained at the consultation. No hidden costs or excessive time away from work. Thank you so much for helping me get my life back on track.”
The Benenati Law Firm is the best. I can’t speak highly enough about their staff. Walter and their team were excellent helping me in my case. They answer all questions, answer the phone immediately every time, and they offer an awesome price. They are very knowledgeable with all laws. I’m amazed how fast my case was handled and done. I will continue to to use the Benenati Law Firm in the future. I would definitely recommend to my family and friends. Thank you Benenati Law Firm for helping me restart my life.
“Amazing Law firm! The best in the business. Don’t delay. Push the Restart Button!”
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