We offer a free consultation to discuss whether bankruptcy is a good choice for you. Please fill out the form on the left to have the lawyers at Cameron, Gonzalez & Marroney contact you to schedule your free consultation.

Cameron, Gonzalez & Marroney handles the filing of bankruptcy cases under Chapter 7 and Chapter 13 in Palm Beach County. If you are receiving harassing phone calls, being sued in court, or your salary is being garnished, then you may want to have us assist you in considering whether to file for bankruptcy.

Many of our clients find themselves in financial trouble for a variety of reasons and in many instances it is through no fault of their own. In any economy, we find that clients have been laid off from work, are divorced or separated from their spouses, or have suffered an illness or injury that results in them no longer being able to afford their monthly financial obligations. With mounting debt and outrageous interest rates being charged by the credit card companies, it is not unusual for it to take years to repay all of this money. Meanwhile, our clients need to continue to pay their regular bills such their mortgage or rent, utilities, and ordinary living expenses.

Bankruptcy provides protection against harassment from creditors and gives people the opportunity to get a "fresh start" financially. Bankruptcy can often stop repossessions, foreclosures, wage and bank garnishments, judgments, lawsuits and IRS levies. However, filing bankruptcy can be a very complex process. We have a caring, compassionate, and experienced staff of attorneys and paralegals to make the process as simple and stress-free as possible. We know that you are going through a difficult time. The hardest part of any financial crisis is taking the first step to free yourself from the financial pressure you are experiencing.

We will explain all of your options honestly, and we will assist you in processing the information that allow you to make the correct decision for yourself.

Chapter 7

Chapter 7 for individuals or married couples may allow you to eliminate most, if not all, of your unsecured debts including credit card debt, debts that have been transferred to collection agencies, and debt from unpaid medical bills. One of the primary purposes of Chapter 7 Bankruptcy is to discharge debts to give an honest person a "fresh start." Changes to the bankruptcy regulations in 2005, includes a formula test called the “means test” to determine who may be eligible to file a Chapter 7 bankruptcy.

In order to confirm that you are eligible, we offer a free consultation to determine which bankruptcy chapter is the most appropriate for you. One of the key benefits of filing bankruptcy is the "automatic stay." The automatic stay requires all of your creditors to immediately stop all collection actions against you. This means that they can no longer harass you by telephone, or send you any additional bills in the mail. In addition, Chapter 7 may assist you in resolving the following issues: lawsuits, bank and wage garnishments, depositions in aid of execution, and license suspension. Additionally, Chapter 7 can offer relief from real estate mortgages and high car payments for properties and vehicles which you no longer wish to retain. If, according to the results of the formula, you have sufficient net monthly income to repay debts then you are not eligible for Chapter 7 bankruptcy but you may be eligible for relief in Chapter 13 bankruptcy.

Chapter 13

Chapter 13 for individuals or married couples allows you to propose a plan to pay your outstanding bills and creditors over a period of three to five years. In general, the individual gets to keep his property and his creditors end up with less money than they are owed. Chapter 13 offers some options that are not available in Chapter 7. For example, Chapter 13 offers the opportunity to save your home from foreclosure. A Chapter 13 case can stop foreclosure proceedings and can assist you in bringing your delinquent mortgage payments current by allowing you to pay the delinquent amount over a period of years. In addition, the Court allows you to make payments to your creditors based upon what you can afford, not what you owe. Once you make all of your monthly payments to the Court in your payment plan, whatever amounts remain due after you complete the plan are forgiven or discharged.

Cameron, Gonzalez & Marroney is a debt relief agency.
We help people file for bankruptcy relief under the Bankruptcy Code.