Timothy Kingcade Answers your Questions on Bankruptcy & Foreclosure

Bankruptcy and Foreclosure Q & A's

Timing is everything. File your bankruptcy too late and you can lose your home to foreclosure or have your wages garnished. File too soon and you may lose an important tax refund or the opportunity to get better terms. Knowing not just what action to take, but when to take it is a vital part of your bankruptcy.

At the Miami bankruptcy law office of Kingcade & Garcia our legal experience comes from helping more than 15,000 Florida families get relief from debt and financial crisis through bankruptcy. Since 1996 we have been helping people build long-term solutions to complex financial problems. We know the issues involved in bankruptcy, and we can help you decide when is the best time to act.

Striking the Right Balance

When considering bankruptcy, it’s important to understand how much of your life can be affected. Handle the bankruptcy right and it can dramatically improve your debt situation, your finances and your life. File at the wrong time, however, and you may be facing serious concerns.

At Kingcade & Garcia our attorneys evaluates all areas of how a Chapter 7 or Chapter 13 bankruptcy can impact your life. We look at a diverse range of issues before filing your case, including:

• Foreclosures
• Taxes
• Divorce agreements
• Garnishments
• Repossessions
• Qualifications

Without the skill and experience of thousands of bankruptcy cases, it can be difficult to know how to strike the right balance for clients. When the results of your bankruptcy matter, timing can be everything. Rely on a professional with the tools, knowledge and proven record to help you take the right action at the right time.

This is a common question asked by many people struggling with overwhelming debt. Why should you pay attorney and filing fees when you are already having enough trouble paying your existing bills?

Most good bankruptcy attorneys understand that if you’re considering bankruptcy, the last thing you want to do is pay for a lawyer. At Kingcade & Garcia, we offer a free, no-obligation consultation to every potential client. Our fees are reasonable. We work with each client to create an individualized payment plan, typically over a four- to six-month period. We are here to help you, not hurt you.

At Kingcade & Garcia, we know that Chapter 7 or Chapter 13 bankruptcy is not for everyone. If we evaluate your case and do not believe you are a good candidate for bankruptcy, we will not encourage you to file. We can assist you in exploring bankruptcy alternatives and provide you with sound legal guidance.

How Much Is Your Happiness Worth?

Consider your current financial circumstances. Are they affecting your life, your health and your happiness? Can you put a monetary value on these things? We encourage you to take action soon if you are struggling with debt. For most people, inaction will cost them much more than the costs of bankruptcy in the long run.  Take back control of your finances. Contact our experienced bankruptcy professionals online or by phone in Miami, Florida, at 305-285-9100 for a free consultation.

It would be nice if bankruptcy guaranteed that the future would work out, and that just one second chance would be enough, but part of building a successful future inevitably means taking chances. Even people who have had to file for bankruptcy in the past can still face significant financial challenges down the road, and may need to come back again to reset, restart and rebuild.

The rule is that you can file for Chapter 7 or Chapter 13 bankruptcy every eight years.

At the Miami bankruptcy law office of Kingcade & Garcia we understand that even if you’ve filed for bankruptcy, you may have encountered another situation that has left you and your family facing a financial crisis. The laws of Florida and the U.S. understand this as well, which is why consumers have the right to file for bankruptcy even if they have filed in the past.

Another Chance at the American Dream
Life is full of chances. Some chances taken work out and lead you exactly where you had hoped. Others lead the opposite direction and can end in seemingly insurmountable personal and financial challenges. Part of the American Dream and the foundation on which capitalism is built has to do with ordinary people taking extraordinary chances on success.

Our attorneys at Kingcade & Garcia has worked to help people file second and even third bankruptcies under Chapter 7 and Chapter 13. This is your right under state and federal law, and we are proud to help you take action to protect those rights.  We guide you through the process, make sure you are aware of the consequences, and help you rebuild a pathway to success.

At times when you are struggling against serious debt and seemingly insurmountable financial troubles, it may seem like a good idea to try and handle your bankruptcy on your own. After all, why take on yet another expense in the form of a lawyer. The reason is simple:

The small savings you get by not hiring a lawyer now may cost you much more during and after your bankruptcy.

At Kingcade & Garcia, our Miami bankruptcy attorneys have been helping Florida families dig out from under crushing debt and build a better financial future since 1996. We have helped more than 15,000 individuals and families build solutions in the face of what seem like endless questions by providing a clear path through the sometimes complex process of Chapter 7 and Chapter 13.