Are you drowning in debt? Are your creditors harassing you? Are you facing foreclosure, repossession, or garnishment of your wages or bank accounts? Do you owe more on your home or investment property than it’s worth? If so, you are not alone, and we can help.

Imagine your life without debt, the harassing calls of creditors, and living from paycheck to paycheck. We have helped hundreds of clients break free from hundreds of millions of dollars of debt. People think that if they file for bankruptcy they lose everything. Nothing could be further from the truth. Most of our clients keep everything they own − and lose nothing.

When you came across our website today, it wasn’t by accident. Like thousands of others, you are probably looking for answers and solutions to your financial problems. Many people seek our help because they are drowning in debt, have creditors harassing them, are facing foreclosures, repossessions and garnishment of their wages or bank accounts. The stress that results from financial difficulties can be overwhelming, but it does not have to be that way. What would your life be like without harassing creditor phone calls and monumental debt? Bankruptcy laws give individuals such as you, the opportunity to eliminate debts.

Whether your situation is simple or highly complex, our firm can help.

Our primary goal at Edwards & Edwards is to help good people in bad times by filing for bankruptcy under the United States Bankruptcy Code. Our firm assists consumers and small businesses with various financial problems, including lawsuits, foreclosures, repossessions, creditor harassment, violations of the Fair Debt Collections Practices Act (“FDCPA”) and judgments. Whether your situation is simple or highly complex, our firm can help. As a Florida debt relief agency, we can help eliminate or significantly reduce your debts through Chapter 7, Chapter 11 or Chapter 13 Bankruptcy. There is also a successful new modification program through bankruptcy that can stop foreclosures, reduce or defer the principal balance on your home and lower your interest rates. If you owe more on your home than it is worth, we may be able to file a lawsuit against your mortgage company and reduce the principal balance to the home’s actual worth.

Whether your debts include mortgage arrears, property taxes, medical bills, credit cards, or IRS debts, we can help. We’re conveniently located in the Southpoint area in Jacksonville. Call our office today. The road to your fresh start and financial freedom starts here!

Do Nothing and See What Happens

We know that no one really wants to file bankruptcy. We completely understand this. However, in many situations, bankruptcy offers the best solution and the most powerful relief. Although some people have simply lost control over their finances, more often than not, it is a result of the loss of employment, divorce, or illnesses and through no fault of their own. We meet with hundreds of clients that were exactly where you are right now. Unfortunately, many of them have depleted their savings, borrowed against their 401(k) and other retirement or tax exempt accounts, or sold assets just to keep their heads above water. This is unfortunate because a lot of these assets are exempt under the law and could have been retained in bankruptcy.

The attorneys at Edwards & Edwards can access your financial situation and help you form a plan of action. There are basically three (3) options: (1) Do nothing and see what happens; (2) Negotiate with your creditors; and (3) File bankruptcy and either eliminate or restructure your debt.

Doing nothing is the most common response when a person is overwhelmed with debt and can’t keep up. This is the worst decision you can make and will only lead to more problems, including creditor harassment of you, your family members, neighbors and friends, collection notices, lawsuits, judgments, and wage garnishment. There may also be tax consequences if your creditor “writes off” your debt therefore giving you even greater problems with the Internal Revenue Service. Creditors may also put liens on your property, making it difficult to sell those items in the future.

Defaulting on your debts can have devastating effects on your life. In some cases you can work with your creditors to resolve the debt and avoid bankruptcy. However, if your debt is considered “bad debt” or a lawsuit has been filed to collect the deficiency, it may be necessary to file for Bankruptcy to gain a fresh start. To learn more about your options and rights, please call Edwards & Edwards, P.A. at (904) 222-0829 for a FREE consultation. When you hire us you gain the relief that comes with not having experienced bankruptcy attorneys who can assist you during this difficult time.

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