Why Bankruptcy May Be the Right Step
When bills pile up faster than income can cover, financial stress can quickly take over every part of your life. Bankruptcy is a legal process designed to offer individuals and families a fresh path forward. In Melbourne, Florida, many people turn to a bankruptcy attorney when their debt situation no longer feels manageable.
Whether it’s due to medical expenses, job loss, or credit card debt spiraling out of control, filing for bankruptcy isn’t a failure—it’s a chance to reset.
Choosing the Right Path: Chapter 7 or Chapter 13
One of the first steps is understanding which type of bankruptcy fits your circumstances. Chapter 7 allows for the discharge of most unsecured debt for those who qualify based on income. Chapter 13, on the other hand, involves a repayment plan over several years and may be appropriate for individuals with a regular income who wish to keep certain assets.
At Harnage Law, PLLC, each case is evaluated individually. Every financial story is different, and we focus on helping clients determine the best approach to get meaningful, lasting relief from overwhelming debt.
What to Expect After Filing
Once a case is filed, an automatic stay goes into effect. This halts all collection efforts, including phone calls, wage garnishments, and pending lawsuits. This break from creditor pressure can provide the mental clarity needed to rebuild with confidence.
While the idea of bankruptcy may seem intimidating, many individuals are surprised to learn how manageable the process really is. Most clients begin rebuilding their credit within months of discharge and regain access to financial tools sooner than expected.
Start with a Conversation That Matters
Choosing a bankruptcy attorney in Melbourne, Florida is a critical decision. At Harnage Law, PLLC, we understand the weight that financial problems can carry. We offer more than just paperwork—we offer guidance rooted in real solutions.
If your financial situation feels like it’s slipping out of reach, it may be time to consider a legal solution. Bankruptcy may not erase the past, but it can help you build a future that’s no longer ruled by debt. Let’s talk about what’s possible.
