Finding Financial Freedom Through Expert Guidance
Facing financial difficulties can be overwhelming and emotionally taxing. For those in Fort Myers and throughout Lee County, Christopher O’Brien offers expert legal counsel to navigate the complexities of bankruptcy and help you regain financial stability.
Bankruptcy is a financial decision, not a reflection of you as a person. Sometimes debts can simply become overwhelming, placing huge stress on both families and individuals alike. Given the economic climate and faced with the facts of declining wages, layoffs, and the massive cost of medical care, you may have few options to stop the downward spiral of borrowing and debt.
Bankruptcy should be considered as one option for possible debt relief and a fresh start toward a less stressful and more rewarding financial future.
Types of Bankruptcy Cases We Handle
Every financial situation is unique, and so is the approach to resolving it. Our Fort Myers-based practice handles the two main forms of consumer bankruptcy, Chapter 7 and Chapter 13.
Although our FAQ page can provide you with more comprehensive and in-depth answers to your bankruptcy questions, these two Chapters in brief are:
Chapter 7
- Discharges or eliminates most unsecured debts, such as credit cards, personal loans, and medical debt
- May allow you to keep your home in most cases, or get out from “underwater” mortgages
- Stops collection calls and foreclosure
- Allows you to get a “fresh start” and move toward regaining and improving your credit.
- May permit “lien stripping” of a second or subsequent mortgage in some cases, leaving you with only the first mortgage
Chapter 13
- Reorganizes debt
- Allows you to keep your home, even if you haven’t been paying your mortgage by letting you make up the “arrearage” in the Chapter 13 repayment plan
- Stops collection calls and foreclosure
- May permit “stripping” of a second mortgage in some cases, leaving you with only the first mortgage.
Visit our FAQ page to learn more about the benefits of declaring bankruptcy.
Empathy and Assurance at Every Step
Bankruptcy is more than just a financial decision; it’s a personal journey toward a more stable future. Christopher approaches each case with compassion, ensuring clients are treated with respect and dignity throughout the process.
Begin Your Path to Financial Recovery
If mounting debts and financial stress are overwhelming you or someone you know in Fort Myers or the broader Lee County region, reach out today. Schedule a consultation with Christopher, and together, chart a path toward financial relief and renewal.
Request a Free Consultation
Fill out the form below, and Christopher O’Brien will personally reach out to discuss your case, offering insights and guidance without any obligation.
