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Your Bankruptcy Advocates

Chapter 7 Bankruptcy

Fort Myers Chapter 7 Attorney – (239) 970-6844

If your debts to banks and creditors is piling up high and you do not know what to do, it might be time to utilize Chapter 7 bankruptcy, or liquidation bankruptcy as it is sometimes called. With a successful Chapter 7 filing, the majority or entirety of your debt could be wiped clean and totally discharged. The first step is contacting our Fort Myers Chapter 7 bankruptcy lawyers from Your Advocates. With our caring and knowledgeable support, you could be well on your way to a debt-free future before you know it.

Chapter 7 Discharges & Exemptions

The typical representation of bankruptcy in the media and entertainment worlds is fictional but it does resemble Chapter 7 bankruptcy. If successful, a Chapter 7 bankruptcy filing essentially leaves you with a clean slate but the trade-off is risking some of your valued property and damaging your credit score.

Some property you may be able to keep, depending on your finances, includes:

  • Home with certain amount of equity
  • Retirement savings
  • Automobile up to a certain value
  • Furniture and appliances

For people with massive amounts of debt, Chapter 7 is often the only solution. While it can be intimidating to know that your valued possessions could be taken by creditors or the bank in exchange for debt discharge, our team of Fort Myers bankruptcy Chapter 7 lawyers hope you find solace in knowing that you may be able to keep necessary items with our help.

Can I Discharge My Medical Debt in a Chapter 7 Bankruptcy?

Medical debt plagues millions of adults across the nation. Many people are unable to afford medical insurance protection due to the astronomical expenses associated with health coverage. Even those who have health insurance may find themselves underinsured and burdened by uncovered medical bills, deductible payments, and co-pays. As we age, medical debt can appear unexpectedly and change permanently change the course of your financial fortune. In our years of providing dedicated legal counsel and care to those in these very situations, we at Powell, Jackman, Stevens & Ricciardi, P.A estimate nearly a quarter of all Americans are struggling underneath the weight of significant medical debt.

Many families who are burdened by large amounts of medical debt consider filing for Chapter 7 bankruptcy. In doing so, any medical debt is considered unsecured non-priority debt, just like your credit cards, which means there is no limit to how much can be discharged. While this may be a viable solution for some, it is important to consider the asset and income qualifications required to obtain a Chapter 7 bankruptcy filing. If you qualify, any medical bills and unsecured debts will be wiped away.

Taking the Chapter 7 Means Test

Due to the strength of Chapter 7 bankruptcy, the government limits who can use it. Before your filing can be accepted, you must take your state’s “means test.” In simple terms, the means test involves comparing your necessary expenses and your monthly income to determine if you are making and saving more than the average person in your state. If you make more than the typical Florida household, you have failed the means test and cannot use Chapter 7.

Call us at (239) 970-6844 for more information about the means test.

Using Bankruptcy to Your Advantage – Contact us today!

Many people make the mistake of deciding that Chapter 7 bankruptcy is simply not an option for them before they even know what it entails. Allow us to enlighten you and give you a better idea of what to expect during the bankruptcy process. If we determine that Chapter 7 is not right for you, we can discuss Chapter 13 bankruptcy. The point is that there is always hope and the possibility of debt relief if you look for it and side with a team of professional Fort Myers Chapter 7 bankruptcy attorneys.

A free consultation can get you started down the right path –request yours now.

Meet Our Attorneys

  • William M. Powell, Esq.
    William M. Powell, Esq. Partner
  • Rita M. Jackman
    Rita M. Jackman Partner
  • Adam J. Stevens
    Adam J. Stevens Partner
  • Richard M. Ricciardi, Jr.
    Richard M. Ricciardi, Jr. Partner
  • Diana Castrillon
    Diana Castrillon Attorney
  • William M. Powell, Esq. Partner
    William M. Powell, Esq.

    Although William M. Powell, Esq. is well-versed in a variety of legal matters and case types, he has built a strong reputation through his focus on personal injury and medical malpractice cases. Your Advocates are proud to have him as a member of our law firm. He shares our passion for helping people in need and prioritizes our clients’ needs. Read More

  • Rita M. Jackman Partner
    Rita M. Jackman

    Ms. Jackman’s unwavering ambition and leadership has provided clients and will provide her future clients a star in this profession. Ms. Jackman is a relentless researcher and preparer who handles her client tasks with a tremendous amount of preparation and thought. Ms. Jackman was born and raised in Cape Coral, Florida which has worked to benefits her practice and the clients that she serves. Read More

  • Adam J. Stevens Partner
    Adam J. Stevens

    Mr. Stevens has found his niche by becoming a litigation attorney and understands that communication between an attorney and client are paramount to obtaining favorable results. Mr. Stevens is known for taking on any and all types of cases no matter how difficult or routine they may be. Mr. Stevens is known as an aggressive attorney, though at the same time understands that some cases require a more patience to ensure a favorable result. Mr. Stevens does not shy away from challenging legal issues and has litigated complex matters against municipalities, international unions, large banking institutions, and several insurance companies. Read More

  • Richard M. Ricciardi, Jr. Partner
    Richard M. Ricciardi, Jr.

    His experience in litigation provides him the ability to identify and isolate potential areas of conflict and effectively counsel clients around potential pitfalls. Mr. Ricciardi believes that proper estate planning, real estate counsel, and business planning are areas of importance to everyone. Protecting and dispensing clients' various interests, assets, and lifetime earnings can make the difference between a comfortable retirement and wasting thousands of dollars in assets and earnings. Specialized knowledge, experience and attention to detail in these areas is therefore critically important. Read More

  • Diana Castrillon Attorney
    Diana Castrillon

    Ms. Castrillon has been in practice for over 19 years in the State of Florida. Diana started her practice as a defense attorney representing insurance companies, and for the last 17 years, Ms. Castrillon has been representing only injured workers in Workers’ Compensation cases. READ MORE

How We're Different:

  • Dedicated & caring service
  • Over 70 years' combined experience
  • One-on-one attention
  • Customized strategies
  • Accessible - 24 hour response time
  • El abogado habla español