Overwhelmed by Debt?
You May Have More Options
Than You Think.
If you are losing sleep over bills, afraid to answer the phone, and worried about garnishments, lawsuits, or medical debt, we can help.
Begin your fresh start for only $99 down, and stop creditor calls, lawsuits, and wage garnishments.
Compassionate Chapter 7 bankruptcy guidance for people across Central Florida.
321-600-1205Financial Problems Can Happen to Anyone
Most people who contact us never imagined they would be considering bankruptcy.
Many are hardworking people who experienced:
- medical problems,
- business setbacks,
- divorce,
- job loss,
- rising living expenses,
- overwhelming credit card debt,
- lawsuits,
- or years of trying to keep up while falling further behind.
By the time they reach out, many are exhausted, anxious, embarrassed, and afraid there is no way out.
There may be.
Chapter 7 bankruptcy exists to give honest people a chance to stop the spiral, eliminate overwhelming debt, and rebuild.
Are You Dealing With Any of These Problems?
Many People Who Think They Don't Qualify Actually Do
One of the biggest misconceptions about Chapter 7 bankruptcy is that only very low-income people qualify.
That is not always true.
Even if your income is above Florida's median income limits, you may still qualify after allowable expenses are considered.
Qualification depends on many factors, including:
- household size,
- mortgage or rent payments,
- vehicle expenses,
- taxes,
- medical expenses,
- business debt,
- and other financial obligations.
Many people wait far too long to explore their options because they assume they make too much money or waited too long.
A confidential consultation may help you understand whether Chapter 7 could work for you.
Chapter 7 Bankruptcy May Help Stop:
Every situation is different, and results depend on your specific circumstances.
We Work With People Facing Many Different Financial Situations
Financial collapse does not look the same for everyone.
We regularly speak with:
- small business owners,
- self-employed individuals,
- gig workers,
- families after medical crises,
- recently divorced individuals,
- seniors and retirees,
- single parents,
- professionals facing financial hardship,
- and people struggling after job loss.
No matter how overwhelming things feel right now, you deserve clear information and respectful guidance.
Many People Delay Calling Because They Feel Ashamed
Debt problems often create isolation and fear.
People worry:
These fears are extremely common.
In many cases, people feel relief simply from finally understanding their options and having a plan.
Frequently Asked Questions
About Chapter 7 Bankruptcy
Many people assume they do not qualify because they have a job, own a home, or make more than Florida's median income limits. That is not always true. Even if your income is above the initial guideline, allowable expenses may still affect whether Chapter 7 is available.
A proper review looks at the full picture, not just one income number.
If your income is above the median, the means test may still consider expenses such as mortgage or rent, vehicle payments, taxes, health insurance, childcare, medical costs, and other obligations.
Some people who believe they are over income still qualify after the full calculation is completed.
This may include collection calls, letters, lawsuits, wage garnishments, repossessions, and bank levies.
For many people, simply knowing that creditor pressure may stop is one of the first sources of relief.
This can be especially important when garnishment is making it impossible to pay rent, buy groceries, keep utilities on, or cover basic family expenses.
Timing matters, especially if money has already been taken or additional judgments are pending.
Whether your home is protected depends on factors such as home equity, mortgage status, Florida exemption laws, and whether you can continue making required payments.
Home ownership alone does not automatically prevent Chapter 7 qualification.
The answer depends on the car's value, loan balance, payment status, available exemptions, and whether keeping the vehicle is financially realistic.
Reliable transportation is often essential for work, childcare, medical care, and daily life, so this issue should be reviewed carefully.
Many people considering bankruptcy already have damaged credit because of missed payments, collections, lawsuits, maxed-out cards, or repossessions.
For some people, eliminating overwhelming debt creates a more realistic foundation for rebuilding than continuing to fall further behind every month.
The process usually includes document review, filing the case, the automatic stay, a required meeting called the 341 meeting, and eventually a discharge if the case proceeds successfully.
More complicated cases involving assets, business debt, tax issues, or creditor disputes may take longer.
Some debts are harder or impossible to discharge, including many domestic support obligations, some taxes, criminal restitution, and certain fraud-related debts.
A careful review is important because not all debts are treated the same way.
Mistakes involving exemptions, disclosures, timing, income calculations, or property valuation may create serious problems.
A lawyer can help evaluate whether Chapter 7 is appropriate, what risks exist, and how to avoid preventable mistakes.
But financial hardship often happens after illness, divorce, job loss, business problems, caregiving responsibilities, inflation, or years of trying to survive financially.
Bankruptcy laws exist because honest, hardworking people sometimes reach a point where repayment is no longer realistic.
It is simply a way to understand whether you qualify, what Chapter 7 may do, what it cannot do, and what other options may exist.
For many people, getting clear answers reduces fear even before any decision is made.
How It Works
Simple, clear steps to a fresh start
Bankruptcy is a legal process, but your next steps don't have to feel complicated. We keep it human and in plain English.
Most calls take 20–30 minutes and are focused on understanding your financial situation, not pressuring you.
Why Can't Afford A Lawyer
Built for people who think they can't afford help
Most people who need bankruptcy relief don't have thousands of dollars sitting in the bank. This firm exists for you.
Talk to an Attorney Who Understands What You're Going Through
We understand that contacting a bankruptcy lawyer can feel intimidating.
Our goal is not to pressure or judge you.
Our goal is to help you:
- understand your options,
- determine whether Chapter 7 bankruptcy may help,
- explain the process clearly,
- and help you move forward with dignity and peace of mind.
160 reviews
"Having Christine Hansley handle my bankruptcy was the best choice I have ever made. She made the experience seamless. She is totally professional, was quick to respond to any questions I had, and helped me fill out the paperwork. She carefully explained everything, and clearly knows what she is doing. She made everything easy. Choosing to file bankruptcy wasn't an easy decision but working with Chris and her team made it easier."
"This was the best experience. Chris was attentive, and kept me in the loop at all times. The biggest thing was I never felt like a number. This wasn't just a case where she was getting paid; Chris made me feel like I was cared for at all times. And my interactions with Colleen were amazing. Anytime I reached out she got back to me asap. I will definitely be sending anyone looking into bankruptcy in the future her way."
"Attorney Chris Hansley is amazing! I had no idea what I was doing and she took me through the entire process step by step. She worked nights and weekends to make sure she got me filed on my timeline, and made my case a priority. She knows bankruptcy law inside and out. I've never seen such a knowledgeable, resourceful, and hard working attorney! I work Monday-Friday, so she met me on Saturday! She answered every email and message I sent. If I or a family member ever need another bankruptcy attorney, she's the only one I'll call."
"I was being garnished because of an old car repossession. When I found out, I felt defeated. I work so hard and times are tough with so many bills. I felt like I could not make ends meet. My job referred me to Christine Hansley. On our very first contact, I could tell she cared. I had no idea what I was doing, and had thought about bankruptcy for years but I was undecided. Thank you for encouraging me to go through with the process. Now I feel free! Bankruptcy has allowed me to press the restart button not only financially but spiritually and mentally. It is a big relief to start over."
You May Be Closer to Relief Than You Think
You do not have to keep carrying this alone.
A confidential consultation may help you understand:
- whether you qualify,
- what bankruptcy can and cannot do,
- and what realistic options may be available.
$99 down lets you begin your fresh start.
