If you are facing an unmanageable debt situation and need to find a workable solution, contact our Personal Bankruptcy Lawyer.

personal bankruptcy lawyer

What we can do for you

Our firm will evaluate your situation to determine if personal bankruptcy chapter 11, chapter 7 or whatever is the solution that will serve you best. We take the time to review all aspects of your finances and suggest the solution that will bring you the most relief.
  • personal bankruptcy
    Chapter 7

    Chapter 7 is the most widely-known type of personal bankruptcy, and it involves the use of income and liquidation of all non-exempt assets to repay as much debt as possible. In return, the court forgives any and all remaining debt.

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  • Chapter 11
    Chapter 11

    Personal bankruptcy Chapter 11 is the most complex of all the bankruptcies, yet it offers a great level of flexibility than other chapters and can offer greater benefits to the consumer who doesn't meet the criteria for a Chapter 7 or Chapter 13.

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    Chapter 12

    Chapter 12 personal bankruptcy is intended to help family farmers and fishermen with regular annual income. Similar to Chapter 13 bankruptcy, Chapter 12 bankruptcy enables debtors to create a payment plan to repay all or part of their debts.

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  • bankruptcy lawyer
    Chapter 13

    Chapter 13 bankruptcy allows an individual to resolve serious debt issues without the need to liquidate personal assets in order to repay creditors. Chapter 13 bankruptcy is less damaging to credit, as the debts are being paid through an arranged plan.

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  • bankruptcy
    Adversary Proceeding

    A creditor or a Trustee may file an adversary proceeding against a Debtor. An adversary proceeding begins with the filing of an adversary complaint alleging improper or wrongful conduct by the Debtor or someone connected to the Debtor.

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Need More Information

When it comes to personal bankruptcy chapter 11, chapter 7 or other bankruptcy solutions, there is no substitute for professional experience. Our knowledgeable and experienced personal bankruptcy lawyer is committed to giving clients the best legal guidance and service that we can provide.


The best strategy for success is to have a winning team behind you. Meet our multiligual team (English, Spanish, Creole).

At Van Horn Law Group, our highly dedicated team of professionals offer you excellent legal care at an affordable price. We pride ourselves in putting you first in everything that we do. When you need someone to fight for your legal rights, the team at Van Horn Law Group is here for you.

Our main headquarters is located in Ft. Lauderdale, Florida, but we help clients throughout the State of Florida. We represent clients in personal bankruptcy, corporate bankruptcy, student loan litigation and consolidation, estate planning, LGBT estate planning, foreclosure defense, corporate representation, health care law, civil litigation and debt relief.

Our award winning Florida attorney has been recognized and earned

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Any Questions?

Find answers to the most commonly asked questions from our personal bankruptcy lawyer.
What is a Deficiency Balance and What Can I Do About It?

A deficiency balance is a result of a sale of property, such as a car, boat, or home that was repossessed or foreclosed upon, but the amount of money from the sale was insufficient to cover the amount owed. Your creditor may then go to court in order to obtain a deficiency judgment against you in order to collect the remaining balance. If you have been notified that you have a deficiency balance, you could be looking at several actions that the holder of the judgement could take against you in order to collect. Learn more about what to do.

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Discover your options with our award winning South Florida lawyer, completely free of charge.

At Van Horn Law Group, P.A., our experienced South Florida lawyer and personal bankruptcy lawyer is ready to review your case to see what options are available to you. With years of experience helping people just like you with their financial decisions, you can be confident that we will not lead you astray. The first step towards making an informed decision is filling out the Free Case Evaluation form on this page.

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About Our Zero Down Bankruptcy Option

While many people opt to pay for fees at once or on a retainer basis, some prefer to utilize our $0 Down payment option. Here's how it works: After you sign an engagement for services agreement with our firm, generally speaking, the court filing fees and costs will be paid up front. These can be waived in certain circumstances. You do not pay anything initially for our bankruptcy legal fees. We work out a payment plan with you, where you are aware of the fees in advance for our services. You'll pay on a monthly basis over 12 months until our fee is paid. Some clients find this help to allow them to meet all their obligations while the bankruptcy process proceeds. If you have further questions about our services or this option, please don't hesitate to contact our office.

Client Fee Payment Policy

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