Locations We Serve - Sebring

Bankruptcy Attorney serving Lake Placid, FL – Garrett Roberts Law

What Bankruptcy Can Do for You

Bankruptcy law is designed to relieve individuals and businesses overwhelmed by debt. It offers legal pathways to:

Eliminate certain debts through a court-approved discharge.
Develop manageable repayment plans under court supervision.
Stop creditor actions such as wage garnishments, foreclosures, and collection calls.
By taking advantage of these federal protections, you can regain control of your finances while ensuring creditors are treated fairly.

Why Choose Garrett Roberts Law in Lake Placid, FL?

At Garrett Roberts Law, we understand how challenging financial problems can be. As a leading bankruptcy law firm serving Lake Placid, FL, we provide clear, compassionate, and straightforward legal advice tailored to your unique situation.

Personalized Legal Services: Whether you're filing for Chapter 7 or Chapter 13 or need foreclosure defense, we work closely with you to identify the best solution for your financial challenges.
Local Expertise: Conveniently located in Sebring, FL, we proudly serve clients across Highlands County with a deep understanding of local laws and court processes.
Comprehensive Debt Relief Options: From creditor negotiations to bankruptcy filings, our goal is to help you achieve lasting financial stability.

First Step Toward Financial Freedom

If you're struggling with debt in Lake Placid, FL, you don’t have to face it alone. Contact Garrett Roberts Law, your trusted Avon Park bankruptcy attorney, today. Let us help you explore your debt relief options and start your journey toward a fresh financial start.

Frequently Asked Questions About Bankruptcy in Lake Placid, FL
Are you facing financial challenges in Lake Placid, FL and unsure where to start? At Garrett Roberts Law, we know how overwhelming debt and financial struggles can feel. That’s why we’re here to provide clear, straightforward answers to your most pressing questions about bankruptcy and debt relief. Whether you’re dealing with foreclosure, wage garnishments, or mounting debt, our dedicated team is here to guide you toward the best solution for your situation. Explore our FAQs below to learn more about how bankruptcy can help you regain control of your finances.

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How Long Does Bankruptcy Take?

Understanding the Chapter 13 Bankruptcy Repayment Plan

What Debts Can and Cannot Be Discharged in Bankruptcy?

Bankruptcy FAQs

What is Bankruptcy?

Bankruptcy is the legal status that individuals or businesses may declare when they are unable to repay their debts. It provides the framework for managing debt, in many cases allows for the discharge of debts, and provides a fresh financial start.
If I file bankruptcy, will I be able to keep my home and vehicle?

The Bankruptcy Code allows individuals filing bankruptcy to keep their home and protect the equity in their homestead. The law also allows individuals to protect a portion of the equity in their vehicle(s). It is important to consult with a Bankruptcy Attorney to develop a comprehensive plan, so you are able to keep your assets.
What are the types of bankruptcy I can file?

Chapter 7 (Liquidation) An individual, or married couple, is able to discharge most debts, often without being required to pay any of their debts. This individual is only permitted to keep a certain amount of assets (vehicle(s), etc.) and must qualify based upon their income. Any assets of the individual over the amount permitted would be liquidated and the proceeds would be provided to their creditors. Chapter 13 (Reorganization) An individual, or married couple, is also able to discharge most debts but would make a payment plan through the Bankruptcy Court. This individual would be able to keep all of their assets (vehicle(s), etc.) and is not limited based upon their income. Depending on the type of debt, the individual could also restructure their debt obligations with better terms (i.e. interest rate, term, etc.).
What is the process to file for bankruptcy?

The process of filing for Bankruptcy starts with consulting with a Bankruptcy Attorney who can provide guidance based upon your individualized circumstances. We provide a FREE consultation and develop a strategy to eliminate, or reorganize, your debts based upon your individual financial situation.
Are you being harassed by your creditors?

Bankruptcy provides an individual significant protection against your creditors. Filing a Bankruptcy may prevent any of the following: Stop a Foreclosure being filed on your home; Stop a Wage Garnishment; Stop a Repossession of your vehicle; and/or Stop Harassing Phone Calls.
Will I have to go to court?

Filing Bankruptcy often involves only 1 virtual Court appearance. While many individuals are hesitant about appearing in Court, Bankruptcy often reduces the types you might appear in Court since most creditors cannot file, or proceed with, lawsuits once a Bankruptcy is filed.
Can I discharge my student loans?

Student loans are not easily discharged. Only in very limited circumstances may student loans be discharged in a Bankruptcy.
Will filing bankruptcy affect my credit?

The filing of Bankruptcy will appear on your credit report and may negatively impact your credit score. Depending on your individual circumstances, your credit score may increase based upon the elimination of debt.

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