Circumstances that have a dramatic impact on your financial, emotional, and physical wellbeing can arise unexpectedly and may leave you in a situation that requires the assistance of an attorney. If you need legal counsel in a bankruptcy, personal injury, or family law matter, it is crucial to retain an attorney who is adept at navigating the Florida court system to help you seek your desired outcome. The Orlando bankruptcy lawyers at Nardi & Nardi, P.A. have more than 25 years of experience representing residents of Orange and Seminole Counties in reorganizing their finances. We also put our experience to work in representing accident victims and people going through a divorce or dealing with its aftermath. From our office in Maitland, our capable attorneys will work with you to develop a customized plan that suits your needs and objectives. Bankruptcy
Sometimes, despite their best efforts, people find themselves in a situation in which their debt far exceeds their income. When a person is overcome by debt, they can seek relief by filing for bankruptcy. Bankruptcy typically provides an automatic stay of efforts by creditors to receive payment and allows parties to regain control of their finances by discharging some or all of their debts. Individuals typically file for either a Chapter 7 or Chapter 13 bankruptcy, each of which has distinct advantages. If you are overwhelmed by debt, you should speak with a seasoned bankruptcy attorney in the Orlando area to discuss your options.
Chapter 7, which is often known as a liquidation bankruptcy, is what most people have in mind when considering bankruptcy. To be eligible to file for Chapter 7 bankruptcy, a person must pass a means test, which means that the person must be able to prove that they lack sufficient income and assets to pay the debts that they owe. Thus, the person must produce documentation of any income and property. Certain property is exempt from liquidation. Any property that is not exempt, however, will be transferred to the bankruptcy trustee to repay creditors. If you have minimal assets or income and substantial debts, you should consult a bankruptcy attorney to determine whether Chapter 7 bankruptcy is an appropriate option for you.Chapter 13
If a person with significant debts wants to retain their property or does not pass the means test, they may still be able to seek debt relief via a Chapter 13 bankruptcy. A Chapter 13 bankruptcy, also known as a reorganization bankruptcy, allows debtors to develop a plan to pay back their debts over a span of three to five years. If the debtor complies with the plan, at the end of the payment plan, any qualifying debts that remain will be discharged. Individuals with low income or substantial assets that are not exempt may not qualify for a Chapter 13 bankruptcy. If you are faced with financial difficulties but would like to retain your assets, you should consult a seasoned bankruptcy lawyer in Orlando to determine if you are eligible for Chapter 13.Foreclosure Defense
If you received a foreclosure notice, this does not necessarily mean that you will lose your home. Instead, if you can prove that the lender failed to comply with requirements pertaining to lending and the foreclosure proceedings, you may be able to present a defense to the foreclosure. Lenders are required to comply with the Fair Credit Reporting Act and the Truth in Lending Act by making the terms of any loan both fair and transparent. If the lender violates either Act, you may be able to avoid foreclosure. Additionally, procedural errors during the foreclosure process can be grounds for contesting a foreclosure. The laws regarding lending and foreclosure are complex and intricate. The stakes in these situations are too high to risk handling them on your own. If you are faced with foreclosure, it is essential to engage an Orlando bankruptcy attorney to help you fight to keep your home.Family Law
In addition to divorce, family law encompasses child custody and child support actions, paternity disputes, , division of assets and debts, same sex divorce, and the drafting of prenuptial and postnuptial agreements. Family law matters can be more sensitive than other civil lawsuits, and there are laws that explicitly set forth who can seek custody or visitation, how to calculate child support, and how assets should be divided in a divorce. For example, a court will determine child custody (timesharing) according to the best interests of the child. This can involve many factors, such as the co-parenting ability of each parent, the emotional and developmental needs of the child, the moral fitness of each parent, and any concerns related to the child’s health or safety. The parents can work together to develop a parenting plan, which they can submit to the court for approval.Divorce
The decision to end a marriage is difficult and typically affects both spouses not only emotionally but also financially. Any property acquired by either spouse during the marriage is considered marital property unless proven otherwise. Florida is an equitable distribution state, which means that in distributing the marital assets and liabilities between the parties, the court must begin with the premise that the distribution should be equal, unless there is a justification for an unequal distribution based on all relevant factors, including:
In addition to serving as Orlando bankruptcy lawyers and guiding clients through family law matters, our attorneys have handled many personal injury cases. Injuries can arise in a variety of situations, but legal claims based on accidents usually aim to prove another person’s negligence. If you suffered injuries in an accident, it is essential to explore your options as soon as possible because any action to pursue compensation must be filed within four years of the date of the accident.Car Accidents
While car accidents are common throughout the Orlando area, most people are not prepared for the detrimental effects that an accident can have on their health and finances. If you were injured in a car accident, you may be able to recover the cost of any medical bills and the cost of repairing damage to your vehicle. You may also be able to recover compensation for lost wages if you could not work after the accident. To recover damages, you must first prove that the defendant, typically another driver, caused the accident through their careless conduct. Even if you were partly responsible for causing the accident, any negligence attributed to you will not bar recovery but will merely diminish your damages in an amount proportionate to your fault.Consult Attorneys Proficient in Bankruptcy, Personal Injury, and Family Law Matters
If you find yourself in need of legal counsel, it is critical to choose an attorney who is well versed in what it takes to win in the Florida courts and who will aggressively advocate on your behalf. The attorneys at Nardi & Nardi, P.A. will work diligently to provide you with effective representation in pursuit of a successful result. Our office is located in Maitland, and we represent clients throughout Orange County and Seminole County. We can be reached at (407) 478-0074 or online if you want to discuss financial concerns with a bankruptcy attorney in Orlando or seek guidance during a divorce or after an accident.
Orlando Bankruptcy Lawyer | Orange County, Florida Family Law Attorney | Nardi & Nardi