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Bilu Law Chapter 7 Personal

Pompano Beach Chapter 7 Personal Bankruptcy Attorney

Serving Clients from Offices in Pompano Beach & Miami

Are you struggling with overwhelming debts? Chapter 7 may be the right choice for you. Consumer Chapter 7 bankruptcy is one of the most common forms of bankruptcy, and it can erase your dischargeable debts in an easy, straightforward way.

The professionals at Bilu Law are here to guide you through the consumer bankruptcy process. We can help you get the fresh start that you deserve.

For debt relief assistance, reach out to Bilu Law today. We offer free initial consultations! Call us today at (954) 239-7386 

Bilu Law

Why Choose Bilu Law?

  • Decades of Proficiency
    With two decades of dedicated service, we've assisted countless clients with their legal needs, covering 67 counties in Florida.
  • Swift and Accessible
    Offering seasoned legal guidance, our attorneys respond promptly and are easily accessible when you require their expertise.
  • Hablamos Español
    Our proficient team, including Spanish speakers, ensures that you fully comprehend the intricacies of your case.
  • Global Legal Expertise
    We are proud members of an international law firm network, enabling us to provide assistance to clients nationally and worldwide.

What is Chapter 7 Bankruptcy?

Chapter 7 bankruptcy is also known as liquidation or "straight" bankruptcy. A private trustee is appointed to gather a debtor’s non-exempt assets and sell them to repay creditors a portion of what is owed.

This form of bankruptcy is typically used by individual debtors who have little to no income and with many unsecured debts.

The types of debts that can be wiped out in Chapter 7 bankruptcy include:

  • Credit card charges
  • Medical debts
  • Past-due rent
  • Personal loans
  • Utility bills

The debtor can receive a discharge of the debts remaining, which means the creditors can no longer legally collect the monies that are owed. Additionally, the automatic stay from bankruptcy can put a pause on foreclosure proceedings.

  • What should I do if I'm considering filing for bankruptcy protection?
    If you are considering filing for bankruptcy protection it is important to speak with an experienced attorney who can review your unique situation and provide legal advice so that you can move forward and find financial freedom.
  • Does filing for bankruptcy mean my business will close?
    Not necessarily. Depending on the chapter of bankruptcy that is filed, a business may be able to continue operations while reorganizing their debts in a payment plan.
Our Testimonials

Hear From Our Happy Clients

  • ""His dedication to getting his clients the best outcome is relentless.""
    "I am so honored to leave Ron and his team this great review. I called all over Florida to find a lawyer that would help me with my real estate property issue and no one would even listen to me they just told me, we can not help you. When I first called Bilu Law, I felt they cared about their clients. Johanna scheduled a meeting with Ron right away, and when I spoke to Ron, he was the best because he took the time to listen to my situation and asked all the right questions. The best question he asked was what would I consider a good outcome and after telling him, he made that his North Star. After a few more meetings to understand my situation better, he told me how much it would cost me to have him try to resolve this issue with the best outcome and it was very reasonable. Among his profession, I would consider Ron to be among the best. His dedication to getting his clients the best outcome is relentless. I will refer him to all my friends and family and consider him a dear friend."
    - Carlos
  • ""Ron Bilu and his associates were willing to fight for me when other firms all wanted to throw in the towel.""
    "Ron Bilu and his associates were willing to fight for me when other firms all wanted to throw in the towel. Ron’s professionalism and dedication ended with the best outcome I could ask for. I highly recommend Ron and his firm, especially Attorney Andrea Valencia who went above and beyond for me, a true asset to the firm. Many thanks to all."
    - Emporio
  • ""I highly recommend this office to deliver and satisfactorily settle your legal matters.""
    "Bilu Law firm has advised and completed the paperwork on creating a Trust and I am satisfied with how thorough and professional Andrea and Annabella were in executing the task. Today, I'd like to thank the team of Nicholas and Andrea for accepting another case and delivering as promised, in a relatively short period of time and again, a satisfactory outcome. I want to especially thank Andrea for the knowledgeable and professional representation she exhibited as she guided me through the process. In addition, I express my appreciation for other members of your staff. ALL calls were passed on and one could consistently expect a quick response. There is a warmth from the front door, by staff to the discussion of business at hand. Wait time was never more than 3-5 minutes at each office visit. The advent of Covid- 19 and the societal interruptions it created, did nothing to deter the level of service offered by this firm. I highly recommend this office to deliver and satisfactorily settle your legal matters."
    - Aldith
  • ""Choosing this law firm was the best decision I have ever made.""
    "I had the pleasure of working with Ron Bilu and his assistant Andrea. Choosing this law firm was the best decision I have ever made. Both Ron and Andrea were with me every step of the way and were very kind, helpful, and knowledgeable. In the end i was very pleased with the results and would recommend his services to anyone in need of a great real estate attorney. Thankyou so much Ron!"
    - Doris
  • ""They are professional, aggressive and the keep us informed of progress of our cases.""
    "Our firm has engaged Ron Bilu and Nick Rossoletti and their amazing team of effective legal professionals for a variety of litigation matters and they are professional, aggressive and the keep us informed of progress of our cases. Their experience and knowledge of the law combined with a results oriented approach has helped our bottom line."
    - Jeffrey
    "ABSOLUTELY AMAZINGGGGGG!!!!!!!!! Ron Bilu and Andrea Valencia helped me beyond what I expected! They listen carefully to you and will fight for you till the wheels fall off! My outcome was beyond what I had imagined and it is all thanks to them backing me up and doing what they do best! I cannot express into words how much I strongly recommend this law firm to anyone who is facing the issues I had! Like I said, absolutely amazinggggg at what they do!!!!!"
    - Marlin

Protect Property with Chapter 7 Exemptions

Many people worry about losing all of their property if they file for Chapter 7. However, there are many exemptions under Chapter 7 that can allow filers to protect most, if not all, of their property.

The state of Florida offers its own set of exemptions to qualifying residents. These exemptions include:

  • Homestead - Unlimited amount of equity in qualifying homes
  • Personal Property - Up to $1000 in items such as furniture, electronics, and more
  • Motor Vehicle - Up to $1000 in the equity for a motor vehicle
  • Wildcard - If you do not use your homestead exemption, you can exempt up to $4000 in personal property

These are just a few of the exemptions that exist when you file for Chapter 7. An attorney with experience in Chapter 7 filings can help you determine which property you can protect.

Are You Eligible for Chapter 7 Bankruptcy in Pompano Beach?

Not all debtors qualify for Chapter 7. Before filing, you must first pass the Means Test.

The Means Test will look at your income in comparison to your state's median income for similar households. If your income falls under that median, you will automatically pass the Means Test. Otherwise, factors such as your essential expenses will be taken into account to determine your disposable income.

If you do not qualify for Chapter 7 due to your income, you may be able to instead file for Chapter 13 bankruptcy.

Get a Fresh Start with Bilu Law's Chapter 7 Bankruptcy Services

If you are considering filing for bankruptcy, our team can help you determine if Chapter 7 is the right option for you. We can help you with property exemptions, dischargeable debts, and filing the needed paperwork. Our team is dedicated to helping you achieve debt relief and more forward in your life.

Contact Bilu Law online and request our free consultation that we reserve for prospective clients.

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