CONSUMER bankruptcy

Bankruptcy Relief Is Your Right

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 the 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 as though they are 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 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.

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. For more information about bankruptcy, please visit our Bankruptcy FAQ page.
Consumer Bankruptcy

ABOUT KANIUK LAW OFFICE

Ron Kaniuk is the Founder and Managing Partner of Kaniuk Law Office, P.A.

For more than 25 years, he has and continues to represent individual and business clients throughout the State of Florida.

Ron is an “old school” general practitioner who keeps up with practice innovations and technological advancements and focuses his practice on representing individuals and small business owners.

For his individual clients, Ron uses the legal system to solve a wide range of financial problems. He helps these clients with debt management, debt negotiation, small claims debt litigation, foreclosure defense, and Chapter 7 and Chapter 13 bankruptcies. He also co-counsels matters with other attorneys in the areas of real estate, personal injury, immigration, and estate planning and probate.

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CONTACT US

ADDRESS

1615 S. Congress Avenue, Suite 103,
Delray Beach, FL 33445

PHONE

Phone: +561.292.2127

WORKING HOURS

Monday-Friday: 9:00 AM – 5:00 PM *On-call via phone/email when you need help!