CALL FOR A FREE CONSULTATION
904-297-8459
STRUGGLING WITH
DEBT?
- Stop Lawsuits & Garnishments
- Stop Foreclosures & Reposessions
- Stop Debt Collector Harassment
- STOP WATCHING YOUR DEBT GROW
- START REBUILDING YOUR FINANCIAL FUTURE
Florida Bankruptcy Attorney
There is no shame in discussing bankruptcy—finances are morally neutral. Bankruptcy isn’t just for businesses; it’s a vital option for individuals facing overwhelming debt. Bankruptcy is crucial to a thriving capitalist society and our country’s founders recognized the need for a fresh start and enshrined bankruptcy as a constitutional right.
Life is unpredictable, and you are not alone.
Last Word Legal is committed to helping Floridians navigate financial challenges and rebuild their credit once they have a clean slate.
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Filing Options
- Chapter 7 Bankruptcy
- Chapter 13 Bankruptcy
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- Stop Foreclosure
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Debt Treatment
Benefits
- Eliminate Credit Card Debt
- Erase Second Mortgage
- Rebuild My Car Loan
- Get Out of Debt
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- Rebuild Credit
- Increase Credit Score
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PEOPLE WITH OUT-OF-CONTROL DEBT
TEND TO FALL INTO TWO CATEGORIES
ROBBING PETER TO PAY PAUL
Some people slide into a cycle of debt where they are forced to juggle their various account balances. They make all of their minimum payments. Their credit score is not impacted. Yet, the writing is on the wall and they are one unexpected bill away from slipping under water.
ALREADY UNDER WATER
Other people have moved beyond juggling their debt and are forced to decide what payments to make, what payments to put off, all the while, incurring fees and penalties.
Both of these people are at different stages of the same downward cycle of debt.
The Bankrutpcy Code was written with these people in mind.
Do you live from the Georgia Line to the Florida Keys?
Call now to schedule a free consultation for debt relief help.
904-297-8459
Florida Chapter 7 Bankruptcy Tips
Florida Bankruptcy Means Test
(Income Limits)
Number of People in Household - Annual Income
1-$63,916
2 - $78,785
3 - $91,290
4 - $104,626
5 - $114,526
6 -$124,426 *
*Add $9,000 for each additional household member
Common Florida Bankruptcy Exemptions
Homestead (if Florida Resident for 24 months
and owned the homestead for 40 months)
$4,000 Wildcard (If not claiming Homestead)
$1,000 Personal Property
$1,000 Motor Vehicle
Annuities
401(k)
403(b)
IRA
Wages for Head of Family
If you do not qualify for Chapter 7 due to household income
Chapter 13 reorganization of debt may be right for you
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100 Island Cottage Way, Ste 100, St. Augustine, FL 32080
www.lastwordlegal.com
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