Attorney | Notary Public
Facing bankruptcy or financial difficulties can be overwhelming, but I am here to guide you through every step of the process. My approach is compassionate and strategic, ensuring that you not only navigate the complexities of bankruptcy law, but also emerge with a clear path toward financial recovery. I will work closely with you to understand your unique situation, offer personalized advice, and advocate for your best interests, helping you rebuild your financial future and move forward with confidence. Your financial well-being is my priority, and I am committed to achieving the fresh start you deserve.
Let’s Talk! Call 787-731-6987
or fill out this form and I will get back to you as soon as possible.
Frequently Asked Questions
Have a question?
It’s completely normal to have doubts about a process you’re unfamiliar with, and I’m here to guide you and provide the information you need to make the best decision.
Feel free to contact me or schedule an appointment to address any other questions you may have.
Can I get collectors off my back through bankruptcy?
The Bankruptcy Law offers an automatic stay that temporarily halts all collection actions, including garnishments, lawsuits, and calls from collectors, giving you breathing room to reorganize your finances.
How long will my credit be affected after filing for bankruptcy?
Under Chapter 7, the bankruptcy filing remains on your credit report for ten (10) years. Under Chapter 13, the bankruptcy filing remains on your credit report for seven (7) years.
However, this does not mean you cannot access a loan during that time, nor that you have to wait that term to restore your credit. What it means is that each time you apply for credit, your credit report will show that you filed for bankruptcy.
The impact of both types of bankruptcy on your credit report will diminish over time. If you practice good credit habits, you will see your credit score recover more quickly.
What happens after completing my bankruptcy process, whether Chapter 7 or Chapter 13?
After you complete the bankruptcy process, either by fulfilling all the requirements of Chapter 7, or with a payment plan under Chapter 13, you will receive a discharge order. This means that a collector or creditor cannot collect those debts again and you no longer have the responsibility to pay them; the debt has been discharged and you can begin to rebuild your financial life again, debt-free.
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Blog
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Chapter 7 vs. Chapter 13: Which Is Right for Me?
There are different types of bankruptcy available, with Chapter 7 and Chapter 13 being the most common. Below, we compare these two types of bankruptcy to help you decide which is most appropriate for…
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The Bankruptcy Process Explained Step by Step
Filing for bankruptcy may seem like a complicated process, but understanding the steps involved can help you navigate it more easily. Below, I explain the bankruptcy process step by step: 1. Assessment of Financial…
Tell Me More About Your Case
It’s Time to Take Back Control and Start Fresh!
This form is the first step in understanding your situation and providing you with the most appropriate guidance.
With the information you share, I can carefully analyze your case and design a strategy to help you regain control of your financial life.
My mission is to walk with you through every step of the process—with empathy and commitment.
