Boynton Beach Bankruptcy Attorney
At Kelley, Fulton & Kaplan, our Boynton Beach bankruptcy attorneys possess years of experience and have helped innumerable Florida residents with the process of bankruptcy. Although a bankruptcy attorney is not required for those who want to file, many have found that working with a smart, seasoned lawyer who is proficient in the bankruptcy process can be a rewarding experience.
Causes of Bankruptcy
Many times people are embarrassed by the fact that they have to declare bankruptcy. But those working with the bankruptcy attorneys at the Law Office of Kelley, Fulton & Kaplan understand that bankruptcy is not a stigma. It is a way for people who find that they are being buried in debt to free themselves from crushing bills that they cannot pay and harassing phone calls that interrupt their lives. Bankruptcy is a legal process that allows you to start fresh.
There are common causes or situations that have been associated with most bankruptcies. Many people who find themselves in such a situation have had to deal with a major illness in their family, have recently gone through a divorce, have lost their job, or find that they have mounting bills associated with a medical procedure or other such unplanned event. More often than not bankruptcy has little to do with bad behavior and a lot to do with some sort of financial distress caused by uncontrollable circumstances.
What Will Happen
There are four basic steps in the bankruptcy process, and if you work with the Law Office of Kelley, Fulton & Kaplan and their Boynton Beach bankruptcy attorneys, you’ll find that these steps are relatively simple.
The process includes:
- Going through a means test to see if you will file for Chapter 7 or 13. There are specific criteria that debtors must meet in order to file for Chapter 7, which allows for the forgiveness of much of your debt.
- You’ll then need to file your Statement of Personal Affairs with the bankruptcy court. This document, which is your petition for bankruptcy, has all of your financial information, including debts and assets. Your attorney can make sure that every part of it is properly executed.
- Next, you will go to your 341 Meeting. This is when you go to court and your creditors are allowed to examine you. You will testify under oath during this part of the process. Your creditors may or may not show up.
- Finally, you must attend your bankruptcy hearing where your petition is either denied or accepted by the court.
What’s Involved Before Filing
Prior to filing for bankruptcy, you will need to gather all information related to your finances. You’ll have to document all of your debts and assets, your salary, and bank accounts. You’ll also need to submit back tax records and any other pertinent documents, such as property tax bills, mortgages, car loans, etc. Everything must be ordered, readable, and organized for the court. Of course, a competent bankruptcy attorney can make sure that every detail is properly presented to the bankruptcy court. This alone will help facilitate your filing.
Using an Attorney
It is true that you do not need to file for bankruptcy through a lawyer. But those who use the services of the Law Office of Kelley, Fulton & Kaplan have found that they are able to mitigate stress, save time, and accelerate their filing. Plus, they simply know that everything has been done according to professional standards. This gives those filing for bankruptcy confidence that their petition will be approved.
Contact Experienced Boynton Beach Bankruptcy Attorneys Today
The Boynton Beach bankruptcy attorneys at the Law Office of Kelley, Fulton & Kaplan are ready to serve all of your legal needs. We will gladly answer any and all questions, facilitate the bankruptcy process, and attend to each and every detail. Contact the Kelley, Fulton & Kaplan in Boynton Beach, Florida, at 561-264-6850 for attorneys who are experienced in and knowledgeable of bankruptcy.