Bankruptcy Attorney in Davie, Florida

Orfelia Mayor, P.A.

7450 Griffin Road
Suite 170
Davie, Florida 33314
USA

 (954) 327-5700
 (954) 727-9976

www.ombankruptcy.com
 Send an email

Law Firm Overview Free Consultation

At Orfelia Mayor, P.A. we understand that filing for bankruptcy protection is not easy. We want you to know that you are not alone in this difficult process. We want to make the experience as positive for you as possible by ensuring that you are properly informed throughout the entire process. This firm is conveniently located in the South Broward area. We are just a few minutes away from Pembroke Pines, Miramar, Hollywood, Plantation, Cooper City, Sunrise, and Fort Lauderdale. Before deciding to file bankruptcy, you should make sure that your questions are addressed and you are comfortable with this decision.

Our approach to guiding clients on whether or not to file for bankruptcy is analyzing the numbers and recommending that you treat this as a business decision. We do not engage in any moral guidance on whether or not Bankruptcy is right. We believe that the credit industry is doing quite well and continue to positively position themselves financially at your expense. Furthermore, we have no sympathy for banks and lenders who loan money at ridiculous interest rates and one-sided terms. You will have a free initial consultation with bankruptcy attorney Orfelia Mayor. At the meeting, your personal financial situation will be discussed and analyzed to see if bankruptcy is the right debt relief option for you. We will talk about how bankruptcy works with focus on the differences between Chapter 7 and Chapter 13. Additionally, we will discuss the various advantages, disadvantages, and cost associated with all the debt relief options. As stated above, our analysis will focus on whether this is a proper business decision for you.

We do not routinely hire other attorneys to cover creditor meetings or any other matter. Bankruptcy attorney Orfelia Mayor will be at any and all proceedings, including your meeting of creditors. If an exigent circumstance arises where she can't personally attend (and these don't happen often), you will be notified beforehand and told who will be covering. Our office utilizes online software that will allow you to enter the information about your case from the comfort of your home. This streamlines the information gathering process for us and lets you save time and effort by filling out the information at home - where you have everything at your fingertips. This eliminates getting to the office and discovering that you forgot an important document.

Languages: Spanish and English

Practice Areas

Additional Practice Areas: Chapter 7 Bankruptcy, Chapter 13 Bankruptcy, Loan Modification

Practice Areas Description

Orfelia Mayor, P.A. provides legal services on the following areas:

- Bankruptcy

Filing bankruptcy is a not an easy decision to make. Loss of employment, divorce, illness, medical bills, business failure, unexpected hikes in mortgage payments, and financial management issues are just a few reasons that cause good people to become overwhelmed by debt. People who fall behind in debt get trapped in an endless cycle of stress and pressure from debt collectors. You don't have to stay there. Bankruptcy laws were designed to give honest people a fresh start in life, free from burdensome debt and aggressive creditors. Bankruptcy filings in Florida are on the rise. But bankruptcy cannot cure every financial problem and it is not the right step for every individual. At your initial consultation, we will assess your unique financial circumstances and explore alternatives to bankruptcy if there are any. However, getting rid of that debt is easier than you think. The Bankruptcy Law Firm of Orfelia M. Mayor, P.A. can help you and make it easy to start fresh and enjoy life again.

- Chapter 7 Bankruptcy

Chapter 7 is not available for everyone. To qualify for a Chapter 7 bankruptcy, you must pass a qualifying test that is referred to as the "means test" The test involves a comparison of your family's income to the median income of a similar family in Florida. Depending on the results of the means test, further calculations may be necessary to determine if you are eligible to file a Chapter 7 bankruptcy. A bankruptcy filing under Chapter 7 is commonly referred to as "straight" bankruptcy or "liquidation." It offers a "fresh start" by wiping out most of your credit card and unsecured debt. One of the provisions under Chapter 7 is that you must turn over to the Trustee any property that you cannot claim as exempt under the bankruptcy laws. The Trustee then sells that property and distributes the proceeds equally among your creditors. The filing of a bankruptcy petition creates what we call a "bankruptcy estate." The estate technically becomes the temporary legal owner of all the debtor's property.

- Chapter 13 Bankruptcy

Sometimes, Chapter 13 Bankruptcy is a better option than a Chapter 7 Bankruptcy because it allows the debtors to keep assets that might otherwise be lost under a Chapter 7. In a Chapter 13 bankruptcy, a "payment plan" is proposed that will repay creditors a portion of the debt over three to five years. Chapter 13 is the only option available for those who earn more than the median family income for their state and can't otherwise pass the means test requirement of Chapter 7. The court must approve the proposed payment plan of the debtor and will do so if it meets the requirements for confirmation set forth in the U.S. Bankruptcy Code. The key difference between Chapter 7 and Chapter 13 is that under Chapter 13, the debtor is the one that normally remains in possession of any property of the bankruptcy estate and makes payments to the trustee throughout the life of the payment plan.

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Ms. Orfelia M. Mayor Attorney Bankruptcy

More Information on Orfelia Mayor, P.A.

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