Bankruptcy Attorney in Ocala, FL
Bankruptcy is not an easy decision for anyone to undertake. Attorney Kenneth Hesser is our bankruptcy attorney and has represented hundreds of individuals and businesses through such difficult times and takes great pride in helping clients navigate, and eventually escape, murky financial waters.
Even since passing the Florida Bar in 2000, Mr. Hesser has made personal contact with the folks he represents his No. 1 priority, promptly returning phone calls and emails, and quoting a fair and reasonable flat fee upfront to each and every client.
Should You File For Bankruptcy?
Not everyone having severe debt issues, or facing a foreclosure, “needs” to file for bankruptcy. However, before accepting an offer from a creditor, or a bank for a balance reduction, a payment plan, or a “short sale,” a consultation with an experienced attorney is crucial. Furthermore, any decision to file a Chapter 7 or Chapter 13 bankruptcy without adequate counsel should not be taken lightly.
Bankruptcy has become too involved of a process, with too many variables to rely on anything but a face-to-face consultation with documents provided by the client to make a proper recommendation. Every person’s situation is unique.
Chapter 7 vs. Chapter 13 Bankruptcy
The biggest difference between the two is that with Chapter 13 bankruptcy, you are required to pay back at least part of your debts through a “payment plan” with the court, which an attorney can negotiate with a bankruptcy. Usually, Chapter 13 bankruptcies are filed by debtors who either make too much income to file a Chapter 7 bankruptcy, or wish to save a home from foreclosure.
What Is Chapter 11 Bankruptcy?
Chapter 11 bankruptcy is generally filed by businesses that wish to remain in operation, but need to reorganize debts.
How To Protect Your Property & Rights
To have the best chance of protecting your property and right, hire a bankruptcy attorney with experience and who knows the ins and outs of bankruptcy law. The worst thing you could do is try to do it by yourself and put your family, valuables, properties, rights and future at risk.
Is There A Charge For The Initial Bankruptcy Consultation?
No. There is no cost for the initial bankruptcy consultation. Your initial consultation is intended to be a relaxed discussion about your financial situation and to find out what your options are.
How Much Does Bankruptcy Cost, And What Do You Get For The Fee?
Schatt Hesser McGraw provides a flat fee, including all costs, at the bankruptcy consultation. We strive to be competitive and fair in our rates, with no “hidden” fees or costs.
Is Schatt Hesser McGraw An Experienced Florida Bankruptcy Law Firm?
Ocala Bankruptcy Attorney Ken Hesser has helped hundreds of families throughout the state in the filing of Chapter 7 and 13 bankruptcies.