Bankruptcy

• Struggling with Debt?

• Facing Foreclosure?

• Have you been injured due to the reckless act of someone else?

• Served with a Lawsuit Related to Debt?

• Receiving Harassing Calls from Creditors and/or Collection Agencies?

                WE CAN HELP.

Attorney Shane M. Smith, LL.M., Esq. takes a personal interest in helping each and every person he can. If you are facing crushing debt or the possibility of losing your home, do not hesitate to contact our office to discuss your options. The initial consultation is absolutely FREE so calling us or coming in to talk about your options will not cost you a penny. Stop stressing over debt and contact us immediately. We look forward to hearing from you.

Many people are intimidated by the complicated legal process of bankruptcy or struggle with a presumed social stigma attached to the action. The experienced Brevard County Bankruptcy Attorney, Shane M. Smith, LL.M., Esq. understands that declaring bankruptcy is typically not the result of laziness or irresponsibility but overwhelming circumstances outside of the client’s control, such as a job loss, medical emergency, or reduced wages.

With experience working on over one hundred (100) bankruptcy cases, Attorney Shane M. Smith can help guide you through every moment of the process, so you do not need to worry about getting lost in the paperwork or legalese. We can explain in detail and help walk you through any of the following:

Bankruptcy Alternatives
If you are in debt, you may think that you have no options. This is untrueR12;you always have options! There are many alternatives to Bankruptcy. Often, an experienced bankruptcy lawyer can help you find another debt relief solution that you may not be aware of or did not fully understand.

Bankruptcy Myths
Many myths and misinformation about the process of bankruptcy discourages people from seeking legal advice. Do not let these widely circulated rumors cloud your vision. Information is power, so make sure you are well informed about the realities of bankruptcy in order to make the best decision for yourself and your loved ones.

Chapter 7
Also referred to as a personal bankruptcy or a liquidation. Although it is often referred to as a liquidation, many people keep all their assets in a Chapter 7 if they have been counseled properly by an attorney about use of applicable bankruptcy exemptions. It may be the best option for you if your financial situation is such that you are struggling to pay your debts.

Chapter 13
This is a personal debt reorganization. In a Chapter 13 bankruptcy, debts are repaid under a three (3) to five (5) year payment plan.

Credit Card Defense
If you have been sued by your credit card company, there are ways that you can protect yourself and fight the lawsuit. It’s important that you contact our firm as soon as possible to discuss your options.

Creditor Harassment
The Fair Debt Collection Practices Act (FDCPA) is designed to protect you from creditor harassment and deceit. Dealing with substantial debt is hard enough without illegal forms of pressure from debt collection companies. Protect yourself by contacting the knowledgeable bankruptcy attorney at our firm. Attorney Shane M. Smith, LL.M., Esq. takes a personal interest in protecting you against such harassment.

Deed in Lieu of Foreclosure
If you are facing foreclosure, one of your options may be a deed in lieu. By giving your lender the deed to your property in exchange for the mortgage amount still owed, you can often save yourself from foreclosure.

Foreclosure
Filing for bankruptcy may save your home if you are facing foreclosure. By filing for bankruptcy, the foreclosure proceedings will immediately be halted and you may then have the time that you need to get your finances in order. Call our experienced bankruptcy attorney for more information.

Lien Stripping
The lien stripping process may be available in Chapter 13 bankruptcy or Chapter 7 bankruptcy. It involves removing any junior liens (i.e. a second or third mortgage) that you may owe. Call our experienced bankruptcy attorney for more information.

Loan Modification
Loan modification is a good choice for some individuals who are facing overwhelming debt or the possible foreclosure of their home. This process allows you to renegotiate the terms of your loan with your lender.

Short Sales
Short sales can be a good alternative to foreclosure for many people. If you owe more on your mortgage than your home is worth, your mortgage lender may approve you for a short sale which can result in you getting out of the deal without having to pay more money.