Chapter 7 | Rivera Aguilar Law Firm, P. A.

Filing for Chapter 7 Bankruptcy in Kissimmee? Take Control of your Financial Situation - Contact an Experienced Bankruptcy Attorney

Sometimes, people struggle with debt from many sources, and it can become difficult to manage their finances. There are several options available if you are facing this situation. Depending on your specific circumstances, you may be able to consolidate your debt or call your creditors to work out a plan. This may be an alternative to a formal bankruptcy proceeding. However, each case is unique and there may be situations where liquidating your debt through a Chapter 7 bankruptcy is a viable option. However, if your have grown far beyond your ability to repay them, filing for bankruptcy can be a way to get control of your finances.

Why Call Bankruptcy Attorney Wendy Rivera?

Speaks English & Spanish
Offers Payment Plans
Known for Passionate, Dedicated Counsel
Backed by 5-Star Reviews from Past Clients

Rivera Aguilar Law Firm, P.A. has helped numerous Floridians battle crippling debt by filing for Chapter 7 bankruptcy. Attorney Wendy Rivera is ready to assess your situation and help you determine if Chapter 7 is right for you.

To get started on your case, call to schedule a consultation.
Rivera-Aguilar Law Firm, P.A.

What Is Chapter 7 Bankruptcy?

Bankruptcy is a process where you can eliminate some, or all, of your debts under the protection of the federal bankruptcy court.
Chapter 7 bankruptcy can eliminate most types of unsecured debt. Unsecured debt is a type of debt that is not tied to a specific property, such as a house or a car.

Examples of unsecured debt include:

Credit cards
Utility bills
Department store cards
Hospital bills
Cell phone bills
Medical bills

The primary purpose of a Chapter 7 bankruptcy is to have your debts discharged and give you a fresh start. The discharge relieves you from having to pay the debt.

The Means Test

Not everyone qualifies for a Chapter 7 bankruptcy. You must meet specific requirements in order to qualify for a Chapter 7 bankruptcy – and you must pass the means test.

The means test compares your monthly income and the amount of your debt to figure out how much you can pay your creditors. If your current monthly income exceeds Florida’s median income, then the “means test” applies a more complicated formula to arrive at your eligibility for a Chapter 7 bankruptcy. This may require a detailed analysis of your income and expenses. If, after the application of the "means test,” it is determined that you are incapable of paying the debt, then you can proceed with a Chapter 7 bankruptcy where your debts are discharged.

Seek Guidance from Rivera Aguilar Law Firm, P.A.

If you are struggling with overwhelming debt, it is best to talk with an experienced Kissimmee attorney. Attorney Wendy Rivera will take the time to review the unique aspects of your case, Rivera Aguilar Law Firm, P.A. can educate you on the basic concepts of Chapter 7 bankruptcy and help you determine the best plan of action based on your unique situation.

Attorney Wendy Rivera offers services in both English and Spanish.

Rivera-Aguilar Law Firm, P.A. helps people file for bankruptcy relief under the Bankruptcy Code.