Bankruptcy Law Office of John Bristol
Stop Garnishments - Stop Foreclosures
Get Rid of Your Debt
NO MONEY DOWN ONLY $100 PER MONTH!
PAY ATTORNEY FEES AFTER YOU FILE BANKRUPTCY
NO MONEY DOWN ONLY $100 PER MONTH!
PAY ATTORNEY FEES AFTER YOU FILE BANKRUPTCY
STOP GARNISHMENTS - STOP FORECLOSURES
STOP CREDITOR'S COLLECTIONS
Call John Bristol For a Free Consultation
In Person and Zoom Meetings 954-475-2265
The Law Offices of John Bristol provides expert legal services in bankruptcy law, serving Fort Lauderdale and the surrounding areas, including Plantation, Sunrise, Davie, Pembroke Pines, and Hollywood. Our firm is committed to offering personalized legal representation tailored to each client’s unique circumstances. We understand that bankruptcy can be a stressful and overwhelming process, and our goal is to provide compassionate support while navigating the legal complexities.
With years of experience, we focus on helping individuals and businesses navigate complex bankruptcy matters with clarity and confidence. Our team is dedicated to achieving efficient and effective outcomes, ensuring clients are supported every step of the way. Whether you’re dealing with personal debt issues, facing foreclosure, or managing business insolvency, we offer customized solutions designed to meet your specific needs.
Our reputation for aggressive advocacy and a thorough understanding of bankruptcy law has earned us recognition for our commitment to excellence. We take pride in guiding clients through the legal process with clear communication and a focus on their best interests, working to secure favorable results. Our lawyers work diligently to protect your rights, whether you’re considering Chapter 7, Chapter 11, or Chapter 13 bankruptcy, and we provide honest, straightforward advice on the best course of action.
Fort Lauderdale Bankruptcy Services
Why Choose Chapter 7 Bankruptcy?
✅ Quick Debt Relief – The entire process, from filing to debt discharge, typically takes just 2 to 3 months.
✅ Eliminates Medical Bills – Medical debt can be wiped out, providing much-needed financial relief.
✅ Stops Wage Garnishments – Bankruptcy can put an immediate stop to creditors taking money from your paycheck.
✅ Clears Deficiency Balances – If your car was repossessed, Chapter 7 can eliminate any remaining balance you owe.
✅ Potential Credit Score Improvement – While bankruptcy affects your credit, many people see their scores improve over time.
✅ Keep Your Home & Car – You may be able to keep exempt assets
Explore our Chapter 7 Bankruptcy services in Fort Lauderdale.
Benefits of Chapter 13 Bankruptcy
✅ Halts creditor collection efforts
✅ Stops wage garnishment
✅ Prevents foreclosure, allowing you to keep your home
✅ Provides a structured repayment plan
✅ Helps with tax debt, sometimes even reducing it
✅ Stays on your credit report for seven years (less than Chapter 7)
✅ Lets you reorganize most secured debts for easier repayment
Chapter 13 bankruptcy helps individuals and couples keep their property while managing their debt. To qualify, you need a steady income and must pass a means test.
A repayment plan typically lasts between three and five years, based on your income, ensuring payments are manageable. Read more about our Chapter 13 Bankruptcy services in Fort Lauderdale
The Role of The Bankruptcy Court Once Case is Filed
In addition to halting creditor actions, filing for bankruptcy can provide relief from overwhelming debt and offer you the opportunity to reorganize your finances. With the automatic stay in place, creditors can no longer initiate contact or pursue aggressive tactics such as garnishing wages, freezing bank accounts, or repossessing property. This protection allows you to focus on resolving your financial challenges rather than constantly dealing with the stress of creditor harassment. You are also given the time to determine the best way forward, whether through liquidation or a restructured payment plan, all while keeping your legal rights intact.
The bankruptcy court’s role is to ensure an orderly and fair process that benefits both you and your creditors. It carefully evaluates your financial situation and determines the most appropriate solution based on your specific circumstances. During this process, creditors are legally bound by the court’s decisions and cannot ignore or violate the automatic stay. If they continue to pursue lawsuits or debt collection during the case, they could face serious legal consequences, further reinforcing the protective nature of bankruptcy.
Once your bankruptcy case is filed, you are shielded from new lawsuits, and the process begins to resolve any outstanding issues. This relief allows you to focus on the future, free from the constant fear of new legal actions. Over time, as you work through the bankruptcy proceedings, you can rebuild your financial foundation with a sense of security. The discharge of debts after the case is completed is a critical milestone, offering a fresh start and the chance to rebuild your credit without the burden of old, unmanageable debts.
Foreclosure Defense Services Fort Lauderdale
ANSWER SUMMONS
When you are served with a summons, it is crucial to respond within 20 days to protect your property. If you fail to respond, the Court may allow your property to be taken without further notice. We help you craft a response to the summons to ensure your property rights are safeguarded.
GET TIME TO SELL
In certain situations, it may be in your best interest to sell your property. A mortgage foreclosure lawsuit can take away the equity in your home if not handled properly. We work diligently to secure the time you need to list your property for sale, ensuring that you have the opportunity to maximize its value.
MODIFY YOUR MORTGAGE
Lenders offer various programs to help homeowners retain their property through mortgage modifications. If you’re struggling with your mortgage, you may qualify for one of these programs. Since 1988, The Law Office of John Bristol has assisted thousands of homeowners in modifying their mortgages and keeping their homes. We have the expertise to guide you through the modification process and help you achieve a solution that fits your financial situation.
REPAYMENT PLAN
If your mortgage company is unwilling to work with you, the Bankruptcy Court can offer a long-term repayment plan. Through a bankruptcy plan, the court has the authority to force your mortgage company to accept a plan that is affordable for you, allowing you to keep your home while paying off the debt over time. We will work with you to design a repayment plan that suits your current financial situation.
Stop Wage
Garnishment
How Bankruptcy Stops Wage Garnishment
Chapter 7 vs. Chapter 13 Bankruptcy
What Bankruptcy Can and Can’t Stop
Wage garnishment can be overwhelming, leaving you struggling to pay your bills and make ends meet. If a creditor is taking money directly from your paycheck, you may feel like there’s no way out.
However, filing for bankruptcy can put an immediate stop to wage garnishment and provide a path toward financial relief.
When you file for bankruptcy, an automatic stay goes into effect. This is a legal order that requires creditors to stop all collection activities, including wage garnishment. Whether your wages are being garnished for credit card debt, medical bills, or personal loans, bankruptcy can provide instant relief.
The automatic stay remains in place while your bankruptcy case is active, preventing further deductions from your paycheck.
There are two main types of bankruptcy that can stop wage garnishment. Chapter 7 bankruptcy eliminates most unsecured debts, such as credit cards and medical bills. If you qualify, your debts can be discharged, meaning you won’t have to repay them. Chapter 13 bankruptcy,
On the other hand, allows you to reorganize your debts into a manageable payment plan. This type of bankruptcy is useful if you have debts that cannot be discharged, such as mortgage arrears or certain tax debts. In both cases, garnishments will stop as soon as the bankruptcy is filed.
While bankruptcy stops most forms of wage garnishment, there are some exceptions. Child support, alimony, and certain tax debts are not affected by the automatic stay, meaning those garnishments may continue.
However, if your wages are being garnished for credit card debt, medical bills, personal loans, or even unpaid rent, bankruptcy can bring immediate relief.
Get Relief from Bank Levies with The Law Offices of John Bristol in Fort Lauderdale
At The Law Offices of John Bristol, we know that dealing with financial hardship can be a tough and stressful experience. If you’re facing a bank levy, it can feel like you’ve hit a dead end. A bank levy allows creditors to take money directly from your bank account, which can leave you scrambling to cover everyday expenses. But there is hope, and we’re here to help.
Our bankruptcy stop bank levy services are designed to give you the relief you need and help you get back on track. When you file for bankruptcy, it immediately triggers what’s called an automatic stay. This stay halts most collection efforts, including bank levies. Essentially, it acts as a shield that stops creditors from taking money from your account, allowing you time to regain control of your finances.
If you’re facing a bank levy, it’s important to act quickly. The sooner you reach out to our experienced attorneys, the sooner we can help you take steps to stop the levy and protect your financial future. At The Law Offices of John Bristol, we have years of experience handling bankruptcy cases and can guide you through the process with ease.
Filing for bankruptcy can provide much-needed relief from bank levies, but it’s important to understand which type of bankruptcy is best suited for your situation. We specialize in both Chapter 7 and Chapter 13 bankruptcy, and we’ll take the time to explain the differences and how they can work to your advantage. Whether you’re eligible for Chapter 7, which can discharge most of your unsecured debts, or Chapter 13, which allows you to reorganize and repay your debts over time, we’ll help you make the right choice for your circumstances.
When you work with us, you’re not just another case—you’re a person who deserves compassionate, personalized care. We’ll be with you every step of the way, answering your questions, explaining your options, and fighting for your financial freedom. Our team is committed to helping you stop a bank levy and get back on your feet.
Don’t let a bank levy control your life. Contact The Law Offices of John Bristol today, and let’s work together to stop the levy and find a solution that works for you. We’re here to help you take the first step toward a fresh financial start.
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