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Guiding Families and Individuals Statewide
Get A Financial Fresh Start With Bankruptcy
You have probably heard the phrases “filing for bankruptcy” or “declaring bankruptcy;” however, you may not know what those phrases mean. If you are facing debts that you are unable to repay to creditors who just continue to harass you, bankruptcy may be an option for you. At Rick Law, our experienced bankruptcy attorneys can help you review your options so you know which path is the best one for you.
Types Of Bankruptcy
Not many people know about the different types of bankruptcy that you can file for, including:
- Chapter 7 (sometimes called “debt discharge” bankruptcy)
- Chapter 11 (most often used for businesses)
- Chapter 13 (also known as “debt reorganization” bankruptcy)
In both Chapter 7 and Chapter 13, you may experience protection from creditors and debt collection companies as soon as you file, through a feature called the “automatic stay.” Either Chapter 7 or Chapter 13 may help you eliminate the majority of your debts. When your bankruptcy is completed, you have the ability to build up your credit in the future after getting rid of most of your debt.
One main difference between Chapter 7 and Chapter 13 is the length of time dedicated to finalizing them. Other distinguishing features are described below.
- Chapter 7 is typically handled within 6 months. Payment for legal and court fees must be made upfront.
- Chapter 13, however, can take up to 3 to 5 years. Costs of the bankruptcy are built into affordable payments over this period of time.
- Chapter 11 bankruptcy is mostly common for businesses. It is used by corporations of any size and large companies. Once a business files for Chapter 11 bankruptcy, the business can often stay open and if possible, rebuild financial stability while the bankruptcy runs its course.
‘How Do I Know If I Should File For Bankruptcy?’
If you have been trying to pay off your debts, but are still stuck in a never-ending hole dealing with debt collectors; bankruptcy may be your path forward. For best results work with attorneys who will give you sound advice. Our attorneys can help you decide whether you should try to negotiate your debts directly with creditors or if filing bankruptcy makes sense for you.
What Our Clients Say
What Clients Say About Working With Us
Cynthia Campbell, 2025
"Charlotte Weigel was referred to me by a friend, and I will refer her to anyone who needs a wonderful attorney. She is thorough, helpful, communicative and best of all, effective. Her para
J, 2025
"From start to finish, Charlotte and her team were so wonderful to work with. In a time of stress and uncertainty, they seamlessly guided, gathered and prepared all the information needed to get the maximum settlement for my case. Professional, supportive and easy to work with, there's no doubt I would use them again and recommend her to anyone in need."
Jay Openiano, 2023
"I am so happy to have Charlotte work on my car accident case! She guided me step by step and left no questions go unanswered. Her and Mike were excellent on communicating and keeping me in the loop. I couldn't be more happy with how my case was settled. I highly recommend their firm!"
Florida Workers' Compensation Benefits-What You're Entitled To
Medical Care
Treatment, rehab, prescriptions, and necessary procedures.
Wage Replacement
Payments for time you can't work due to injury.
Disability Benefits
For partial, total, or permanent disabilities caused by work.
Death Benefits
For families who lost a loved one on the job-covering funeral costs and lost support.
Protection From Retaliation
Florida law (Stat. §440.205) makes it illegal for your employer to punish you for filing a claim.
Schedule A Free Consultation
We are here to discuss all of your options with you. Let us protect you from aggressive tactics used by many debt collectors. Call 610-850-9036 or send an email inquiry.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.