Are you searching for the representation of a Brevard County bankruptcy attorney? If so, it may be in your best interest to contact a lawyer from Kernan & Austin, LLC. Although bankruptcy can be a stressful process and many people think of it in a negative way, it oftentimes is the most suitable course of action. Bankruptcy gives people the chance to have a fresh start and regain full financial freedom. When you are feeling overwhelmed by debt, it is important to contact a lawyer from Kernan & Austin, LLC who can provide you with trusted legal counsel and advise you throughout your entire bankruptcy process.
When an individual decides to work with Kernan & Austin, LLC, a lawyer will assist them in determining which chapter would be the most fitting for them to file for. One of the first steps to determine this is through a means test, which is used to establish if you qualify for a Chapter 7 bankruptcy. Chapter 7 bankruptcy is also known as liquidation bankruptcy, and it gives you the opportunity to permanently erase your debts. If you do not qualify for Chapter 7 bankruptcy, you can file for Chapter 13, which allows you to retain all your assets while eliminating your remaining debt. One of the main differences between the two chapters is that with Chapter 13 bankruptcy, you have the ability to repay your debt by making monthly payments toward the overall balance of your debts. The moment you file for bankruptcy, creditor calls and collection attempts will cease, and foreclosure will be put on halt. If you do not wish to declare yourself bankrupt, the attorneys at Kernan & Austin, LLC can advise you about debt relief solutions you may be interested in pursuing. For more information about the services a Brevard County bankruptcy lawyer may be able to provide you with, contact Kernan & Austin, LLC today.