Bankruptcy

Effective Debt-Relief Help In Florida

These are difficult times in our economy. If you are like many people in the panhandle of Florida, perhaps you have had your home or career destroyed by Hurricane Michael. Or perhaps you have lost a job or required sick leave from COVID-19. There are many causes of financial hardship that can lead people to bankruptcy. Whatever the reason, if you are facing monthly debts that surpass your monthly income, you are in serious financial trouble and you need help.

Attorney Donna Duncan brings legal experience and a strong eye for detail that helps our clients find debt relief through bankruptcy. From our home office in Apalachicola, we represent clients throughout the surrounding areas of northwest Florida. We provide confidential legal counsel and representation throughout the bankruptcy process. As a client of Donna Duncan, P.A., you can put your concerns at rest. We will help you.

Chapter 7 And Chapter 13 Bankruptcy Solutions

Most individuals seeking debt-relief through bankruptcy will file under either Chapter 7 or Chapter 13 of the Bankruptcy Code. The right choice for what type of bankruptcy will depend on your specific situation.

Chapter 7 Bankruptcy is a debt-discharge option. If you qualify, it could help you dispose of excessive consumer debt. Many people believe that they will lose all of their property in a Chapter 7 bankruptcy. Although you might have to forfeit some of the assets you cannot afford to keep, there are important legal exemptions in place that could help you keep some of your most essential property.

Chapter 13 Bankruptcy is a debt-reorganization tool. It allows you to use a more reasonable payment plan over three to five years and keep all of your exempt assets, as well as non-exempt assets that you can afford to continue payments on.

Our firm will work with you personally to help you determine whether bankruptcy is the right choice for you, which form of bankruptcy would be best and how to proceed. We take a confidential, personalized and empathetic approach. Our job is to help you get the debt relief you need.

Contact Us Today

Do not wait any longer to address serious debt. Contact us by reaching out online or calling 850-653-8976. We can help.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.