Experienced REPRESENTATION for ALL OF Your bANKRUPTCY Needs

Financial difficulties can happen to anyone, young, old, rich or poor. Medical issues, unemployment, family problems, business mishaps or numerous other unexpected circumstances can cause your life to spiral out of control. Unfortunately, when things go bad it seems like your life is all downhill. Suddenly, you find yourself under water financially and it can seem like you’re drowning in debt and living in a constant state of stress and anxiety

Fortunately, our government created Chapter 7 bankruptcy to offer a fresh start to people who find themselves buried in credit card debt, medical bills and financial obligations. By choosing to file bankruptcy, most of those debts can be discharged, which means that you’re no longer legally obligated to pay them. Once you file, your creditors and debt collectors can’t contact you about your bills or report late of missed payments to the credit bureaus.

Bankruptcy can discharge most common types of debt including:

credit cards

medical bills

past-due rent and utilities

repossessed vehicles

most legal money judgments

Get a Fresh Start In Life !

At the Law Office of Attorney Steve Rei we will take whatever time is necessary to analyze your personal financial situation and recommend the best solutions for your individual circumstances. If, after learning the facts about personal Bankruptcy, you decide to file we will be with you every step of the way. If you’re ready make a fresh start in life contact Attorney Steve Rei at 800-273-3731 today to speak with a bankruptcy attorney and get started on your case

AFFORDABLE BANKRUPTCY REPRESENTATION

Attorney Stephen A. Rei

205 W Venice Ave

Venice, FL 34285

Phone: 800-273-3731

Fax: 888-892-2575

Email: steverei@gmail.com

Chapter 7 bankruptcy, also known as straight bankruptcy, is usually what most people think of when they hear the word bankruptcy.

Chapter 7 is the simplest form of bankruptcy. 

Filing bankruptcy under Chapter 7 wipes out most of your unsecured debts. The Bankruptcy Code lets you keep property up to a certain dollar value through a series of state or federal exemptions. Any non-exempt property must be surrendered to a court appointed trustee who will sell such property for the benefit of your creditors. In reality, the vast majority of those who file never have to surrender any property since most property is covered by exemptions.

After filing your bankruptcy petition, you must attend a hearing before a judge or court appointed trustee. If there are no objections, all of your unsecured debts are eliminated and you can begin to make a “Fresh Start”

In order to qualify for Chapter 7, you must complete a process called the Means Test. Although the test is a complicated process involving income and expense analysis, most people pass and are able to file bankruptcy. The hardest part of the test for most people is gathering up all of the information needed to perform the analysis. You will also need to complete a Credit Counselling course online or by telephone at and additional cost.

CHAPTER 7 BANKRUPTCY

ONLY $ 1,538.00 complete

Attorney Stephen A. Rei

Telephone: (800) 273-3731

Fax: (888)892-2575

Email: steverei@gmail.com

Chapter 13 is often called Individual Reorganization.

Under Chapter 13 you must submit a repayment plan to the court appointed Chapter 13 Trustee in which you must pay all or part of your debts for a period from three to five years. All of your creditors are paid some portion of the balance you owe them. An approved Chapter 13 plan stops your creditors from taking action to collect what you owe provided that you keep making your plan payments. To be approved, your Chapter 13 plan will require you to live a frugal life and pay your discretionary income to the Trustee for a period of 3 to 5 years. A reasonable budget plan will be needed for your plan to succeed.

Your Chapter 13 plan must pass two tests:

The BEST INTERESTS TEST -mandates that unsecured creditors be paid at least as much as they would receive if you filed a Chapter 7 instead of a Chapter 13.

The BEST EFFORTS TEST – requires that you pay all your disposable income (the amount left over after paying reasonable living expenses) to the trustee for at least the first 36 months of your plan.

If your monthly income is more than the median for your state, allowable expenses will be based on IRS standards for the area. If your income exceeds IRS median income and expense levels for your state, your Chapter 13 plan must run for five years. If your income is below these income and expense levels, your Chapter 13 plan must run for a period of at least three years.

When you complete payments under your Chapter 13 plan you’re done !

CHAPTER 13 BANKRUPTCY

FROM $ 3,000.00 complete

Attorney Stephen A. Rei

Telephone: (800) 273-3731

Fax: (888) 892-2575

Email: steverei@gmail.com

Chapter 7 Only $1538.00 for Most Individuals & Couples

                     (Including all Costs and Fees)

If your case is more complex, professional fees can run anywhere from $2,000 to $5,000 for those who are millions of dollars in debt or business owners or if you have a unique situation like tax problems or criminal cases. For most individuals, professional fees are less than $5,000. 

For those with a business, professional fees are usually less than $10,000. Regardless of your level of debt, the Law Office of Stephen A. Rei will do everything possible to keep our professional fees to a minimum while providing you with zealous representation.

Chapter 7 bankruptcy filings typically have the lowest costs. 

Chapter 13 bankruptcy filings have slightly higher costs than 

Chapter 7 bankruptcies. 

Chapter 11 bankruptcies, because of their many complexities have the highest costs. Costs include court filing fees, credit report fees, tax document fees, title search fees and lien search fees as determined by the needs of each individual filer.

Stephen A. Rei

Attorney At Law

205 West Venice Ave, Suite 204

Venice, Florida 34285

Licensed in Florida and Massachusetts

Telephone: (800) 273-3731

Fax: (888) 892-2575

Email: steverei@gmail.com

The Law Office of Attorney Stephen Rei is a debt relief agency helping people to file for bankruptcy protection under the United States Bankruptcy Code. The information presented on this website is for debtor education only. No attorney client relationship is created until you have consulted with our attorneys and a fee agreement is signed. If you have any questions, please contact our office directly for a free consultation.