Compassionate, Knowledgeable, Affordable

Stop the harassing phone calls. Keep your home and move on with your life. Call us today to learn how we can help you get the fresh start that you deserve.

(727) 231-4300

Jill McDonald is a Clearwater bankruptcy Attorney based in Clearwater, Florida. Specializing in Chapter 7 and Chapter 13 Bankruptcy proceedings, The Law Offices of Jill  McDonald is your source for a smart Clearwater bankruptcy attorney.Whether you are looking for a Chapter 7 bankruptcy attorney, legal assistance with foreclosure proceedings, Chapter 13 bankruptcy or any other bankruptcy-related proceedings – Jill McDonald is your top choice!

Let’s look at the different Bankruptcy Chapters that are available to the individual.

A Chapter 7 Bankruptcy is a liquidation of your debts. You are usually current with all of your secured debt payments and are looking to eliminate unsecured debt or even surrender secured property.

Compassionate, Knowledgeable, Affordable

Stop the harrassing phone calls. Keep your home and move on with your life. Call us today to learn how we can help you get the fresh start that you deserve. (727) 231-4300

In a Chapter 7 you need a seasoned bankruptcy attorney or lawyer who understands your situation.There are allowable exemptions for property and each state differs on what is allowed. If one is eligible to file a Chapter 7 Bankruptcy it is usually a 6 month process from start to finish. In Clearwater , Florida – where we are based – Jill McDonald has the knowledge and strategy you want moving forward – she is your Clearwater Bankruptcy Attorney.

We also have extensive experience in Chapter 13 Bankruptcy. In a Chapter 13 bankruptcy, which is also referred to as a financial restructuring or a debt adjustment, you are given an opportunity to catch up on secured debt that you may be behind on. This would allow you to keep such property and pay off the payments in arrears over three to five years.

If you are looking for a seasoned Clearwater Bankruptcy Attorney who has years of experience as a bankruptcy attorney – call the Law Offices of Jill McDonald today.

Why file a chapter 13 bankruptcy?

Generally, people file Chapter 13  if they have valuable property, like a home or car, they are behind on the payments but want to keep this property. If a debtor is behind on secured loan payments a chapter 13 bankruptcy can allow the debtor to make up these payments over time while keeping the asset.

To learn more about filing a chapter 13 bankruptcy contact The Law Offices of Jill McDonald. We have two convenient locations in Clearwater and in St. Petersburg.

Will bankruptcy affect my credit?

In most cases your credit has already taken quite a hit from unpaid debt, or bills that you are behind on. Even debt that has been “forgiven” or “written off” affects your credit. Filing bankruptcy can be seen as the end of bad credit instead of the start of it. In most cases it will raise your score because of the debt to earnings ratio going down.

When I file bankruptcy can I keep my home / car?

You will not lose your home or car during your bankruptcy case as long as your equity in the property is fully  exempt. Even if your property is not fully exempt you may still be able to keep your property. In a Chapter 13 plan you will be  required to pay at least the equivalent of the non-exempt equity you have in your home or car and any amount you are behind on your home or car loan over the course of the three to five plan. You also will be required to continue making the regular monthly payments.

Call us now at 1-727-231-4300

Clearwater Bankruptcy Attorney – Bankruptcy Attorneys Lawyers