Kaniuk Law

CONSUMER BANKRUPTCY

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Consumer Bankruptcy​ Lawyer Delray Beach

Consumer Bankruptcy​ Lawyer Delray Beach

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Our firm’s bankruptcy practice focuses primarily on helping our clients obtain the debt relief they need to regain control of their finances. We represent individuals and married couples in Chapter 7 and Chapter 13 cases in consumer bankruptcy cases. Our experienced attorneys, Ron Kaniuk and Molly Kindness, analyze each client’s particular financial situation and provide thorough, understandable advice. Our goal is for our clients to have a complete understanding of their options, as well as a specific action plan, after our first meeting.

We have represented clients in thousands of bankruptcy cases in Delray Beach, Boca Raton, West Palm Beach and Miami. We understand how overwhelming it can be to face unmanageable debt and are committed to leading clients toward a sound financial path.

The United States Constitution specifically permits Americans to eliminate debts in bankruptcy – because bad things happen to good people. Unfortunately, many people are hesitant to speak with an attorney because they feel embarrassed. Now more than ever, hard-working Americans are finding themselves in financial distress through no fault of their own. Job loss, divorce, illness, tax debt, and other causes can place otherwise financially responsible people in a position where they may be unable to meet their financial obligations.

When you speak with us, we will take the time to help you understand the pros and cons of filing for bankruptcy. We will also address non-bankruptcy options, including debt management plans and debt settlement.

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Most people who file for bankruptcy file under either Chapter 7 or Chapter 13:

Chapter 7 bankruptcy: Chapter 7 can be a good option for people who have large amounts of unsecured debt, such as credit card debts or medical bills. Those who qualify for Chapter 7 can discharge their debts without any further obligation to creditors. The entire process can be completed in as little as five months. 

Chapter 13 bankruptcy: Also referred to as a “wage-earner” plan, Chapter 13 allows you to repay your debts according to a court-approved repayment plan over a three- to five-year period. Under Chapter 13, you would make one payment to your trustee who would be responsible for distributing the funds to your creditors. Most Chapter 13 debtors can eliminate much or all of their unsecured debts, such as credit cards and medical bills. Chapter 13 is often used to save a home from foreclosure or manage tax debts. 

If you are seeking a bankruptcy lawyer in Delray Beach, please contact us for a consultation. We are here to help you navigate your financial challenges and find the best solution for your situation.

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