Charting A Path Out Of Debt

In recent years, bankruptcy has become an important tool for households and businesses seeking to rid themselves of debt and establish a fresh financial start. Indeed, for many, declaring bankruptcy is simply one aspect of a larger strategy aimed at developing and growing one's net worth.

An experienced attorney can help individuals understand bankruptcy's drawbacks and advantages. If you are considering a Chapter 7 or Chapter 13 filing, Zuniga Law, P.A., can be of assistance as you decide whether bankruptcy is the right course for you.

Serving Boca Raton and throughout South Florida, Javier Zuniga works personally with each of his clients and devises financial solutions uniquely suited to their situation. Before practicing law, Javier worked with a nonprofit group that helped distressed consumers manage their debt. He understands the anxiety individuals feel when faced with unmanageable bills and offers experienced counsel to find a sustainable path forward.

Alternatives To Bankruptcy

Bankruptcy, however, is not a one-size-fits-all solution. There are other means to eliminate debt as well. In many cases, individuals benefit simply from refinancing or restructuring their loans. In such situations, Javier is adept at negotiating with creditors — banks, credit card companies, collection agencies, hospitals and related institutions — to reduce what his clients owe.

He is also skilled in forging agreements where collection activities — whether wage garnishment or threats of foreclosure – are stopped, enabling you to live without fear of losing your assets or your income.

Legal Support When You Need It Most

If you would like to speak with a lawyer, please reach out to us. You can call our office at 561-544-7339 or arrange an appointment online. Initial consultations are always free.

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We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.