Guiding Clients Through the Bankruptcy Process
Our clients at Kingcade & Garcia are often shocked to discover how manageable the process of filing for bankruptcy actually is. We know that people often come to our office expecting they will have to endure endless hours of digging through financial information and difficult court hearings. In reality when you work with an informed and experienced attorney, the process is relatively straightforward.
As your representative we guide you every step of the way in filing your Chapter 7 or Chapter 13 bankruptcy. We make sure you are prepared and that you know what to expect so there are no surprises, and we help you address any issues you may have before or after filing. Helping you find long-term and dependable solutions is our first priority.
The Process for Filing Your Bankruptcy
When you work with our Miami office to handle your Chapter 7 or Chapter 13 bankruptcy, in most cases the Florida bankruptcy filing process goes like this:
- Build a Plan — First we fully evaluate your case to make sure that we take advantage of all options available. We review your debts — those that are dischargeable and non-dischargeable and your income. We also help you identify what you want to protect in bankruptcy, such as homes and cars or international assets. Our primary attorney Timothy S. Kingcade is a licensed CPA as well as an accomplished bankruptcy lawyer, and he thoroughly reviews your case to make sure we have a sound strategy.
- Itemize Your Income and Debt — We help make sure that we are presenting a complete financial snapshot of your current situation. We look at your monthly expenses and your debts, such as credit cards or medical bills as well as your assets and property to create a complete accounting.
- Filing — We guide you through the paperwork for filing your bankruptcy claim. If you file under Chapter 13 we can help you build a debt reorganization plan to be submitted to your creditors.
- Meet With Creditors — A month after you file for bankruptcy, you must attend a meeting with your creditors. In many cases, particularly if you have filed for Chapter 7, creditors do not even attend, and the entire meeting is complete in a matter of minutes. If you are challenged by creditors, we will be there at your side.
Many of our clients are surprised to discover they never have to go to court or see a judge. Bankruptcy is a well established and respected legal process designed to protect people from all walks of life, and by working with our firm, which has handled more than 15,000 bankruptcies, we can help you unlock the full potential of the process.
A Guiding Hand at Every Step
Bankruptcy is designed to protect people who are struggling under overwhelming debt, and with the help of a trusted professional we can help you take back control of your financial situation. Contact our bankruptcy professionals at Kingcade & Garcia online or by phone at 305-285-9100 to set up a free consultation.
