When Do I Need a Bankruptcy Attorney?

Everyone has a different story. Whether you are drowning in debt from a job loss, medical bills or possibly a divorce, credit cards may have become a substantial financial burden. Ignoring the problem and allowing interest to accrue causes you to become even more buried in debt.

At Lewis & Monroe, PLLC, in Orlando, Florida, our bankruptcy attorneys, James H. Monroe and Cynthia E. Lewis, are committed to helping individuals, families and business owners obtain debt relief through Chapter 7 or Chapter 13 bankruptcy.

We offer more than 30 years of collective experience providing bankruptcy solutions throughout Central Florida. Cynthia E. Lewis is also a certified public accountant. Contact our law firm today to schedule a free initial office consultation to discover if filing for bankruptcy is the right step for you.

When To Consider Filing For Bankruptcy In Central Florida

Throughout Central Florida, people devote substantial time trying to avoid filing for consumer bankruptcy or business bankruptcy. Many people begin liquidating assets, withdrawing money from retirement accounts or relying on credit cards to cover monthly expenses for gas, office supplies, utilities and other basic needs.

If you have fallen into this trap, you are likely staying afloat while only making minimum credit card payments or skipping payments on other debts. This routine will help creditors make thousands of dollars in interest as you make little dent in your credit card debt.

Bankruptcy is designed to help honest, hardworking individuals who have had a substantial financial disruption in their lives overcome quick-fix solutions with real debt relief. Everyone's situation is unique, but certain factors may indicate filing bankruptcy might now be the right step to take, such as:

  • Relying on credit cards to make ends meet
  • Making minimum credit card payments
  • Failing to cover medical bills, as well as mortgage and other payments
  • Taking out a 401(k) loan and other retirement funds for daily expenses
  • Shuffling money between accounts or applying for new credit cards

Be proactive and consult with us to get control over your financial situation. We can help you determine if filing bankruptcy is the right option for you and walk you through the bankruptcy process.

Learn More About Your Options Today

If you are struggling with mounting debt and mortgage payments, filing for bankruptcy may be your best option to avoid a foreclosure and ultimately save your pension plan and credit. Call 407-917-4147 or contact us online.

The hiring of a lawyer is an important decision that should not be based solely upon advertisements. Before you decide, ask us to send you free written information about our qualifications and experience.

We are a debt relief agency. We counsel clients according to federal bankruptcy code.