AV Preeminent Peer Rated Attorneys
Middle Torch Key Residents, consider several factors when selecting a lawyer including their experience, expertise, and reputation. AV Rated Attorneys represent a distinguished group of lawyers who have received top ratings from their peers for their exceptional ethical standards and an A grade (4.5 or higher).
AV Preeminent Peer Rated Attorneys
Middle Torch Key Residents, consider several factors when selecting a lawyer ... Learn More
AV Preeminent Peer Rated Attorneys
Middle Torch Key Residents, consider several factors when selecting a lawyer including their experience, expertise, and reputation. AV Rated Attorneys represent a distinguished group of lawyers who have received top ratings from their peers for their exceptional ethical standards and an A grade (4.5 or higher).

Alan Fowler Law, PLLC

5.0
71 Reviews

  • Serving Middle Torch Key, FL and Monroe County, Florida

  • Law Firm with 1 lawyer1 award

  • Simplify. Communicate. Advocate.Licensed in Florida, The United States District Court,Southern District, and The Court of Appeals for the Armed ForcesCall today we can Help!

  • Bankruptcy LawyersCivil Practice, Restaurant Start-Up, and 107 more

Alan Fowler
Bankruptcy Lawyer
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Abby L. Steinberg, PA

4.9
28 Reviews

  • Serving Middle Torch Key, FL and Monroe County, Florida

  • Law Firm with 1 lawyer2 awards

  • Probate, Estate Planning, Real Estate Law and Bankruptcy attorney serving Broward, Palm Beach and Miami-Dade Counties since 1989.

  • Bankruptcy LawyersElder Law, Real Estate Law, and 24 more

  • Free Consultation

  • Offers Video

Abby L. Steinberg
Bankruptcy Lawyer
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Hershoff, Lupino & Yagel, LLP

4.6
16 Reviews

  • Serving Middle Torch Key, FL and Monroe County, Florida

  • Law Firm with 7 lawyers2 awards

  • Our mission is to provide the highest quality legal services to our clients.

  • Bankruptcy LawyersPrivate Passenger and Commercial Vehicle Liability, Personal Injury, and 17 more

Robert C. Stober
Bankruptcy Lawyer
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Looking for Bankruptcy Lawyers in Middle Torch Key?

Bankruptcy lawyers help individuals and businesses find relief from overwhelming debt. They analyze your financial situation and guide you through processes like Chapter 7 liquidation or Chapter 13 reorganization. Their goal is to stop creditor harassment, protect your assets, and provide a legal path to a fresh financial start.

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The average lawyer rating is created by peers based on legal expertise, ethical standards, quality of service, and relationship skills. Recommendations are made by real clients.

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67 %

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14 Peer Reviews

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Commonly Asked Bankruptcy Questions From Users Near You

This information is not legal advice and is not guaranteed to be correct, complete or up-to-date. It is provided for general informational purposes only. If you need legal advice you should consult a licensed attorney in your area.

How can a debt collector freeze my bank account?

Mark J Markus
Answered by attorney Mark J Markus
Bankruptcy lawyer at Law Office of Mark J. Markus
That is purely an issue of the laws of your state.  If Florida is a community property state (and I do NOT think it is), then your joint bank account would be protected by your discharge. If Florida is not a community property state, then they have the right to go after any assets of your wife (assuming they have a lawful judgment against her). However, you probably have an argument that you can make that some of the funds in the joint account belong to you and, to that extent, they have violated the post discharge injunction of 11 U.S.C. 524 (there is no more automatic stay once you receive a discharge). You should really consult with a bankruptcy attorney in your area to get more specifics on the laws in your state.  
That is purely an issue of the laws of your state.  If Florida is a community property state (and I do NOT think it is), then your joint bank account would be protected by your discharge. If Florida is not a community property state, then they have the right to go after any assets of your wife (assuming they have a lawful judgment against her). However, you probably have an argument that you can make that some of the funds in the joint account belong to you and, to that extent, they have violated the post discharge injunction of 11 U.S.C. 524 (there is no more automatic stay once you receive a discharge). You should really consult with a bankruptcy attorney in your area to get more specifics on the laws in your state.  
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Can I withdraw my 401k before filing for bankruptcy?

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Answered by attorney Christian Frederick Paul (Unclaimed Profile)
Bankruptcy lawyer at Law Office of Christian F. Paul
If you cannot afford the bankruptcy filing fees, you can ask for a waiver at the time of filing. The filing fee is around $300. You could consult a bankruptcy attorney before filing, even if you intend to file on your own, to clear up these kinds of questions or even to determine whether and when filing is right for you. Many bankruptcy attorneys offer a free consultation. Hope this helps. Good luck to you.
If you cannot afford the bankruptcy filing fees, you can ask for a waiver at the time of filing. The filing fee is around $300. You could consult a bankruptcy attorney before filing, even if you intend to file on your own, to clear up these kinds of questions or even to determine whether and when filing is right for you. Many bankruptcy attorneys offer a free consultation. Hope this helps. Good luck to you.
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Is bankruptcy still an option for pre-marital debt?

Michael O'Leary
Answered by attorney Michael O'Leary
Bankruptcy lawyer at Hayward, Parker O'Leary
Your wife certainly could file bankruptcy now, although your income would have to be included in her Means Test and might impact her Chapter 7 eligibility. While the fact pattern set forth does not reference this, things could get a little dicey if (1) a matrimonial agreement or divorce decree called for or required your wife to "indemnify and hold harmless" the ex-husband from this debt, and (2) the ex-husband files an Adversary Proceeding in your bankruptcy seeking a declaration that said credit card debt should not be discharged. If this occurs, the ex-husband should prevail and the Bankruptcy Court should determine the debt to be non-dischargeable. Not surprisingly, I have not seen any reported cases dealing with the scenario where the ex-spouse did not file an Adversary Proceeding, but I suspect that the result would be the same. You should fully discuss this matter with competent bankruptcy counsel.
Your wife certainly could file bankruptcy now, although your income would have to be included in her Means Test and might impact her Chapter 7 eligibility. While the fact pattern set forth does not reference this, things could get a little dicey if (1) a matrimonial agreement or divorce decree called for or required your wife to "indemnify and hold harmless" the ex-husband from this debt, and (2) the ex-husband files an Adversary Proceeding in your bankruptcy seeking a declaration that said credit card debt should not be discharged. If this occurs, the ex-husband should prevail and the Bankruptcy Court should determine the debt to be non-dischargeable. Not surprisingly, I have not seen any reported cases dealing with the scenario where the ex-spouse did not file an Adversary Proceeding, but I suspect that the result would be the same. You should fully discuss this matter with competent bankruptcy counsel.
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