Florida Keys Legal

Florida Keys and Key West Bankruptcy Attorney and Law Firm

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Florida Keys and Key West Bankruptcy Attorney and Law Firm

Anyone can face financial difficulties at some point in their lives, but no one should go at them alone. Serving the Florida Keys, specifically Key Largo and Key West, Hutchison & Tubiana, P.L.L.C. provides assistance during this process and helps their clients take advantage of their rights under privacy protection to restart, rebuild and recover.

Bankruptcy laws allow debtors, who are unable to pay their creditors, to resolve their debts through the division of their assets among their creditors, the liquidation of their assets to pay their debts or the creation of a repayment plan. Bankruptcy laws also protect troubled businesses and provide for orderly distributions to business creditors through reorganization or liquidation.

An attorney can help you understand the powerful ways that bankruptcy laws can stop the bill collectors, stop foreclosures and help your family survive these tough economic times. An attorney can help you deal with your creditors before, during and after a bankruptcy proceeding.

Key West and Florida Keys Bankruptcy Legal Procedures

Most cases are filed under the three main chapters of the Bankruptcy Code – Chapter 7, Chapter 11 or Chapter 13. Chapter 7 is the most common type of bankruptcy in the United States. Any individual who owns a business, a house or some sort of property in the U.S. may file bankruptcy in a federal court under Chapter 7. In this type of bankruptcy, the individual is allowed to keep certain exempt property. Although it is primarily used by businesses, Chapter 11 permits reorganization under the bankruptcy laws of the U.S. Chapter 13 allows individuals who have steady incomes to pay all or a portion of their debts under protection and supervision of the court. By filing for bankruptcy under Chapter 13, individuals can save their homes from being foreclosed. This allows them to stop foreclosure proceedings and may cure delinquent mortgage payments over time.

The firm focuses on advising residents of the Florida Keys when the best time to file is and whether they qualify for a Chapter 7 or need to file a chapter 13. The attorneys also ensure that all requirements are fulfilled so that the bankruptcy will go smoothly and make certain that their clients’ assets will be safe if they file.

The attorneys at Hutchison & Tubiana, P.L.L.C. are dedicated to helping their clients, whether they reside in Key Largo or Key West, restructure their lives and make the move from instability to stability.

Bankruptcy services:

  • Foreclosure- Help you stop foreclosure if you are behind on your mortgage payments and facing default.
  • Debt consolidation-Assistance combining all clients’ monthly bills into one monthly payment.

Please call Hutchison & Tubiana, P.L.L.C. at 305.451.0013 for a free confidential consultation. The firm will review your situation and provide you information regarding your legal rights, options and responsibilities.