Filing for Bankruptcy: Steps to Take

Bankruptcy maybe a difficult decision to come to especially when you know you are a responsible citizen. When this is the case, filing for bankruptcy may be the last thing on your mind. But one must remember that this law was made for the protection of the citizen or company. To make the process as painless as possible, look into hiring an expert bankruptcy attorney. For starters look into Cuenant & Nazareth P.A., a Florida law firm that specializes in bankruptcy, real estate litigation, foreclosure defense, and general civil litigation matters.

Winston I. Cuenant, Esq.

A graduate of St. Thomas University School of Law and a member of the Honors Mock Trial Team and is publicly recognized for his outstanding work on pro-bono cases. He has clerked for the international commercial law firm Clyde & Co. in Paris, France. He is admitted to the US District Court Southern District of Florida and is also a member of the Florida Bar. Known for both his expertise and experience, Winston I. Cuenant, Esq. will surely be able to help you in filing for bankruptcy.

Steps to Take

  • Last Resort. It is important that your filing for bankruptcy is the last resort in your financial woes. Make sure that there are no other alternatives that you may take because this will remain in your credit file for up to 10 years. Bankruptcy will allow you to start fresh.
  • Look into the two most common bankruptcy types for individuals. Chapter 7 and chapter 13 bankruptcy.
  • Do your research. Although some people decide not to hire a lawyer, it is more advisable to get one.  Do research on different law firms and take advantage of free consultations. Cuenant & Nazareth P.A. for instance are available for their clients 24 hours a day and they do offer free consultations. They are able and more than willing to assist clients during tough and trying times. Meet with your lawyer and make sure to ask all the questions you have.
  • Look into fees. Ask how much the cost of acquiring a lawyer’s services would be. Look into how payments would be made. Ask for options and what could be done to lighten payment burdens. Ask if there is a way to file for free if you really have no means to pay.
  • Keep your credit cards. If you are thinking about filing for bankruptcy, do not use your credit cards anymore. The reason for this is that the creditor or bank may challenge your claim to discharge the debt through a lawsuit or adversary proceeding. Using your credit card and obtaining a debt knowing you cannot pay for it may can get you into trouble with the bankruptcy court.

Knowing these steps when you’re thinking of filing for bankruptcy will help you to achieve results towards your favor. Remember to look for help when you need it. Hire reputable, experienced, and knowledgeable bankruptcy lawyers to guide you in your filing. The bankruptcy law was made for your protection, it is not to be abused nor should it be used when not needed.

Winston I Cuenant, Esq., has been a bankruptcy and foreclosure attorney in Fort Lauderdale Mr. Cuenant areas of expertise include foreclosure defense, consumer chapter 7 and chapter 13 bankruptcy, corporate chapter 7 bankruptcy, contract formation, real estate litigation and complex commercial transactions.

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