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You can file Chapter 7 or Chapter 13 in Orlando, or surrounding communities. As a credit attorney, TW Law Group uses its knowledge of bankruptcy law to develop viable solutions for its client’s financial problems.


Accumulating unpaid bills, increasing interest rates, and constant calls from collection agencies can lead to feelings of hopelessness.  You may also feel an acute sense of shame about your difficult situation.  The important point to remember is that you are not alone.  In these difficult economic times, The TW Law Group has helped many individuals take matters into their own hands with a Chapter 7 bankruptcy in Orlando.


There are many reasons, some beyond our control, why people arrive at the decision to file bankruptcy:

  • Loss of job

  • High medical expenses

  • Credit card debt

  • Diminishing value of the house

  • Costs linked to a divorce settlement


Regardless of the reason, a bankruptcy lawyer in Orlando such as TW Law Group is ready to help.  Contact our firm to explore chapter 7 in Orlando.

As the most common form of personal bankruptcy, Chapter 7 involves the liquidation of your non-exempt assets, which are then distributed to your creditors, in exchange for a discharge of your debts.  Chapter 7 is also referred to as ‘liquidation’ and represents a “fresh start” for individuals. It sounds a lot worse than it really is. Most people do not lose any property in bankruptcy. In addition, many of our clients are concerned about their future credit ratings. Stop worrying. Although Chapter 7 bankruptcy stays on your credit report for ten years, the negative impact on your credit score diminishes considerably after one and a half to two years. I speak from experience because I have been through bankruptcy and I will help guide you in determining your options and providing bankruptcy advice and information during a FREE consultation in Orlando.


Establishing Eligibility


Not everybody can file for Chapter 7 but must qualify. In 2005, Congress passed the Bankruptcy Prevention Abuse and Consumer Protection Act (BAPCPA), which introduced a “means test” to establish eligibility. Under the means test, an applicant must demonstrate an average income below the state’s median income in order to qualify for Chapter 7. Many clients come to us and think they cannot file Chapter 7 because they make too much money. They are then pleasantly surprised when we are able to qualify them for a Chapter 7 bankruptcy. Let us handle everything. In our office, you are not given a large “packet” to fill out. Rest assured, we do all the work. We can help you determine what is the best course of action. Those who do not qualify for Chapter 7 can pursue a Chapter 13 bankruptcy instead. I am looking forward to helping you and your family restart your life.

Filing for personal bankruptcy in Orlando can be quite complicated.  Reset the clock, Life does have a RESTART button. TW Law Group will walk you through the paperwork and help ensure that the decisions that you make are in your best interests.  Call 407-720-8282 for chapter 7 bankruptcy in Orlando.

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    The main difference between a prepaid lawyer program and traditional legal services is that prepaid legal services are offered on a subscription basis, while traditional legal services are typically billed hourly or by case. Prepaid legal services are generally more cost-effective and provide more accessible legal services.
  • What is a prepaid lawyer program?
    A prepaid lawyer program is a legal service plan where members pay a monthly or annual fee in exchange for access to legal services and advice.
  • Can I cancel my prepaid lawyer program if I no longer need it?
    Yes, you can cancel your prepaid lawyer program at any time. However, you should check with the provider regarding any cancellation fees or terms of cancellation.
  • How long does bankruptcy stay on your credit report?
    Bankruptcy can stay on your credit report for up to ten years, depending on the type of bankruptcy you filed.
  • Will I lose all of my assets in bankruptcy?
    No, you will not necessarily lose all of your assets in bankruptcy. In Chapter 7 bankruptcy, some of your assets may be sold to pay off your creditors, but you may be able to keep certain exempt assets, such as your home or car. In Chapter 13 bankruptcy, you can keep all of your assets while you repay your debts over time.
  • What debts can be discharged in bankruptcy?
    Bankruptcy can discharge many types of unsecured debts, such as credit card debt, medical bills, and personal loans. However, some debts, such as student loans and certain tax debts, cannot be discharged in bankruptcy.
  • Can bankruptcy stop foreclosure?
    Yes, filing for bankruptcy can temporarily stop foreclosure proceedings and give you time to catch up on your mortgage payments. However, if you are unable to make your mortgage payments, you may still lose your home in the end.
  • What are the types of bankruptcy?
    The two most common types of bankruptcy for individuals are Chapter 7 and Chapter 13. Chapter 7 is a liquidation bankruptcy, which means that some of the debtor's assets may be sold to pay off their creditors. Chapter 13 is a reorganization bankruptcy, which allows the debtor to keep their assets while repaying their debts over a period of three to five years.
  • Do I need an attorney to file for bankruptcy?
    While it is possible to file for bankruptcy without an attorney, it is highly recommended that you consult with an experienced bankruptcy attorney who can guide you through the complex legal process and help you protect your assets.
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    Child custody is determined based on the best interests of the child, which may involve factors such as the child's age, health, and relationship with each parent. The court may consider the parents' ability to provide for the child's physical, emotional, and educational needs.
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    In some cases, grandparents may be able to obtain custody or visitation rights if it is in the best interests of the child. This may involve filing a petition with the court and showing that the parents are unfit or that it would be detrimental to the child's well-being to deny the grandparents access.
  • How is child custody determined?
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    The process for getting a divorce varies by state, but generally involves filing a petition for divorce, serving the other spouse with the petition, and attending court hearings to resolve issues such as property division, child custody, and spousal support.
  • How can I modify a custody or support order?
    A custody or support order can be modified by filing a motion with the court and showing a change in circumstances that warrants a modification.
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    If one parent wants to relocate with the children, they may need to obtain the other parent's consent or seek court approval. The court will consider factors such as the reason for the relocation, the impact on the child, and the distance of the move.
  • What is spousal support and how is it calculated?
    Spousal support, also known as alimony, is a payment made by one spouse to the other to support them financially after a divorce. The amount of spousal support is determined based on factors such as the length of the marriage, the spouses' earning capacity, and the standard of living established during the marriage.
  • What is child support and how is it calculated?
    Child support is a payment made by a non-custodial parent to a custodial parent to help cover the costs of raising a child. The amount of child support is generally calculated based on the parents' incomes and the number of children they have.
  • What is family law?
    Family law is an area of law that deals with matters relating to family and domestic relationships, such as divorce, child custody, child support, and spousal support.
  • Can a prenuptial agreement be challenged in court?
    Yes, a prenuptial agreement can be challenged in court if it is found to be unfair or if it was signed under duress or coercion.
  • What is the difference between legal separation and divorce?
    Legal separation is a court order that allows a couple to live apart while remaining legally married. Divorce is the legal termination of a marriage.
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    During an arrest, you have the right to remain silent, the right to an attorney, and the right to be free from unreasonable searches and seizures.
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    The process for getting arrested involves being taken into custody by law enforcement, being read your Miranda rights, being searched, and being transported to a holding facility or jail.
  • What is the difference between a felony and a misdemeanor?
    A felony is a more serious crime that is punishable by imprisonment for more than one year, while a misdemeanor is a less serious crime that is punishable by imprisonment for up to one year.
  • What damages can I recover in a personal injury case?
    Damages that can be recovered in a personal injury case may include medical expenses, lost wages, pain and suffering, emotional distress, and property damage.
  • How do I know if I have a personal injury case?
    To have a personal injury case, you must have suffered an injury or harm due to the negligence or wrongdoing of another person or entity. It is best to consult with a personal injury lawyer to determine if you have a case.
  • How long do I have to file a personal injury lawsuit?
    The statute of limitations for personal injury lawsuits varies by state, but generally, it is between one to three years from the date of the injury. It is important to consult with a personal injury lawyer as soon as possible after an injury to ensure that you do not miss any deadlines.
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  • What types of injuries can be covered under personal injury law?
    Personal injury law covers a wide range of injuries, including but not limited to, car accidents, slip and falls, medical malpractice, dog bites, and wrongful death.
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