Bankruptcy Lawyer Services
Courtney D. Durham is a licensed bankruptcy Lawyer with over twenty years of dedicated legal experience.
Bankruptcy Chapter 7 Lawyer Services
If you are tired of struggling financially to make ends meet and are concerned your wages will be garnished, it’s time to find out how filing for Chapter 7 bankruptcy can help you. Clients typically file for Chapter 7 bankruptcy when difficult times, such as unexpected job loss, serious illness, or the recent death of a spouse, causes a significant financial strain.
When you file for Chapter 7 bankruptcy (liquidation bankruptcy), the court will place an automatic temporary stay on your current debts, stopping creditors from collecting payments, foreclosing your home, reclaiming property, shutting off your utilities, or evicting you. This is where a licensed bankruptcy Chapter 7 lawyer steps in to help your case.
Courtney D. Durham, an experienced bankruptcy attorney, can assist you in obtaining a fresh start that offers you a future free from overwhelming debt. If credit card debt, utility bills, medical bills, uninsured car accident, judgments, money owed on repossessed vehicles, or deficiency balances are weighing you down, contact Courtney to find out more about Chapter 7.
Bankruptcy Chapter 13 Attorney Services
For those who earn a more significant income that may prevent the ability to qualify for the liquidation of a Chapter 7, filing for Chapter 13 may serve your goals and protect your retention of valuable property. A bankruptcy Chapter 13 lawyer will help you file your official bankruptcy forms and develop a repayment plan to propose to your creditors and the court. As opposed to Chapter 7 liquidation that may include selling a debtor’s property to satisfy creditors, bankruptcy under Chapter 13 (and Chapter 11) of the US Bankruptcy Code involves the creation of a plan of payments over a period of time in which the debtor pays off some or all of the creditors.
The judge will confirm whether the Chapter 13 repayment plan meets certain criteria, including the following:
- the repayment plan complies with bankruptcy law;
- the repayment plan is feasible; and
- the debtor proposed the plan in good faith and didn’t attempt to manipulate the bankruptcy process.
With Chapter 13, you will need to understand that there are debt limits, that you need to demonstrate a steady income, and that it is only available to individuals (and not businesses). Contact Courtney, a licensed Chapter 13 bankruptcy attorney, to understand if you qualify for Chapter 13.
About Courtney D. Durham
With more than twenty years of experience with bankruptcy-related legal services, Courtney is a trusted Ocala, FL lawyer serving the Ocala area and beyond. She has practiced before the justices of state and federal courts in the states of Florida and Connecticut. Serving clients in the areas of bankruptcy, probate, foreclosure, consumer, business, and construction, she has represented debtors, plaintiffs, defendants, and creditors alike.
Not only does her diverse experience provide a broad range of wisdom and knowledge upon which to draw, but her insight and depth of understanding also bring a personalized approach to meeting a client’s needs and goals. With any challenge that arises during the legal process, Courtney can provide well-honed litigation knowledge to apply the best tactics to your situation. Please give Courtney a call at (352) 575-8807 or email her at cddurham@bankruptcylawyeron-line.com today.