Pensacola Gulf Coast Bankruptcy Lawyer - Erich M. Niederlehner

Bankruptcy Offices In - Pensacola, Fort Walton Beach & Panama City

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In Pensacola, Fort Walton Beach or Panama City


 

  Call 1-888-I'M-BROKE or Self Schedule a Bankruptcy Asset Protection Consultation  with Erich M. Niederlehner
Pensacola Office: Ft Walton Beach Office: Panama City Office Phone Consultation:
1202 W. Garden St 217 Miracle Strip Pkwy.
1102 McKenzie Ave. 1202 W. Garden St.
Pensacola, FL
Fort Walton Beach, FL
Panama City, FL Pensacola, FL
1-888-I'M-BROKE 1-888-I'M-BROKE 1-888-I'M-BROKE 1-888-I'M-BROKE
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Pensacola Gulf Coast Bankruptcy Attorney Erich M. Niederlehner explains some common questions people have in the bankruptcy videos below.  In the first video, screen left, Mr. Niederlehner explains how to stop an IRS tax levy on a bank account.  In the second video from the left Mr. Niederlehner explains what is an adversarial hearing which is held during a bankruptcy case.  In the third video from the left Mr. Niederlehner explains what to do when your bank account has been frozen by a creditor.  Finally, in the fourth video on the far right Mr. Niederlehner explains lien stripping in a Chapter 13 Bankruptcy.  Mr. Niederlehner has many more bankruptcy videos throughout the website where he answers many more bankruptcy and debt related questions.  Also Mr. Niederlehner's Youtube page may be found by clicking HERE.  If you have a different question than is answered below check out our other videos or call 1-888-I'M-BROKE.

            

 

Pensacola and Gulf Coast Consumer Bankruptcy attorney Erich M. Niederlehner, has three locations to serve you from as far west as Pensacola, Florida and as far east as Panama City, Florida.  The current locations of this Gulf Coast multi-state bankruptcy firm are Pensacola, Florida, Fort Walton Beach, Florida, and Panama City,.  The firm also offers free phone consultations for those unable to make it to one of  our locations for a Bankruptcy Asset Protection consultation.  Just remember in order to receive a phone call for a Bankruptcy Asset Protection phone consultation you must complete the Bankruptcy Intake Form located at www.GotDebtUSA.com

Use the FREE Bankruptcy Means Test Calculator to see if you will have to file a Chapter 7 Bankruptcy or Chapter 13 Bankruptcy.  Everyone can file for Bankruptcy it is just a matter of which Chapter of Bankruptcy you are able to file.  See if your median income is below the median income for your family size or if you pass the Bankruptcy Means Test, and can file a Chapter 7 Bankruptcy.  If you do not pass the Bankruptcy Means Test you will have to file a Chapter 13 Bankruptcy, which is like debt consolidation but this 5 year repayment plan has the force of law behind it.

Gulf Coast Consumer Bankruptcy lawyer Erich M. Niederlehner, understands that in these difficult financial times, you cannot afford thousands of dollars in bankruptcy legal fees.  For this reason, the Law Office of Erich M. Niederlehner, PA, offers Bankruptcy at fair, reasonable and affordable prices. We keep our overhead low and pass the savings on to you, the client. 

Furthermore, bankruptcy attorney Erich M. Niederlehner, knows that some clients researching bankruptcy are not comfortable or are uneasy discussing their finanical problems with strangers.  That is why Erich M. Niederlehner, tries to offer as much information about bankruptcy, credit, debt, filing for bankruptcy as possible on the firm's website.  Erich M. Niederlehner has even written the Book on Bankruptcy in his new informative ebook which is free to download on this website.  Erich M. Niederlehner's Book on Bankruptcy, can be downloaded for free by clicking here.  We are very confident that no other local bankruptcy attorney has this much information regarding filing for bankruptcy available on the internet.

 

Please keep in mind that the Bankruptcy Law Office of Erich M. Niederlehner, PA, offers a Bankruptcy Asset Protection Consultation (a $300.00 value) FREE to new clients, and see how talking to Erich M. Niederlehner can save you thousands of dollars when filing for bankruptcy.  If you decide to retain the firm, during your Bankruptcy Asset Protection Consultation we offer a 90 day payment plan.  After your low initial retainer payment, the payment options are up to you.  The firm strives to provide friendly and competent legal advice to help you and your family through this difficult financial period.

 
 
 
Click here to schedule a Bankruptcy Asset Protection Consultation for the Pensacola, Panama City or Fort Walton Beach office.  If you do not see a Bankruptcy Asset Protection Consultation available for the time you would like please call the office at 1-888-I'M-BROKE to see if the time is available.  However, typically the Bankruptcy Asset Protection Consultations shown on the link below are the only Bankruptcy Asset Protection Consultations available for that office on that particular day.  Please be sure to complete the Bankruptcy Intake Form prior to your Bankruptcy Asset Protection Consultation.
 

 

So you may be asking, how can the Law Bankruptcy Office of Erich M. Niederlehner, PA, offer the same services that other firms charge over twice as much? Well it’s about experience, technology, low overhead and the satisfaction of providing people a fresh financial start.

  • Experience: Erich M. Niederlehner, bankruptcy lawyer, has represented hundreds of bankruptcy clients over the years. The hundreds of cases of experience has given this bankruptcy attorney the experience to streamline the bankruptcy process and make the process as painless and quick as possible. 
  • Technology: With advances in bankruptcy software, the internet and the Bankruptcy Court’s electronic filing system, preparing a bankruptcy case has become less time consuming than it was years ago. What used to take days, now takes hours.
  • Lower Overhead: I practice what I preach - On a daily basis I tell clients to create a budget and live below their means instead of living on credit and over extending themselves.  Thus, I keep my business overhead low and pass my savings on to the client.
  • Satisfaction:
    “I am a committed and experienced bankruptcy lawyer who takes my responsibility seriously. I handle bankruptcy cases and that’s pretty much it. Most importantly, I like what I do and know that the results I achieve for my clients will have a lasting impact on their lives.” Erich M. Niederlehner – Attorney At Law

Let me help you get a fresh start and get your finances back in control.

Bankruptcy may help you eliminate:

  • Credit card debt
  • Debt management
  • Debt collection harassment or lawsuit
  • Real estate foreclosure, unpaid house payments and/or taxes
  • Bank foreclosure
  • Auto repossession and unpaid car payments
  • Medical bills
  • Co-signer on property held by another
  • Judgments, deficiency notices on repossessed property

Chapter 7 Bankruptcy is a liquidation process. Bankruptcy law (Federal law, Florida law or Alabama law) allows you to keep certain exempt property, which will not be sold or distributed to creditors. Non-exempt property is available to your creditors. The Law Office of Erich M. Niederlehner, P.A., can assist you in determining what is exempt and what is not and defend your position.

Chapter 13 Bankruptcyis a reorganization chapter under court supervision. Chapter 13 is appropriate for you if you want to avoid or stop repossession of your car or foreclosure of your house because of missed monthly payments or non-payment of property taxes. The Law Office of Erich M. Niederlehner, P.A., can assist you in obtaining the protection afforded by Chapter 13.

Bankruptcy Timeline:

1.  Retain the Law Office of Erich M. Niederlehner, PA, and start referring your creditor calls to our office.  Use the credit report and your bills to complete the paperwork given to you by the Law Office of Erich M. Niederlehner, PA.

2.  Complete the mandatory Credit Counseling at the credit counseling company whose paperwork was provided to you at the time of retaining the Law Office of Erich M. Niederlehner, PA or another counseling company approved for the Northern District of Florida.

3.  Schedule a time with the Law Office of Erich M. Niederlehner, PA, to bring your completed paperwork given to you by the Law Office of Erich M. Niederlehner, PA, along with six months of bank statements, six months of paystubs and credit counseling certificate which you may take at www.CCAdvising.com , www.DebtorCC.org or www.InCharge.org

4. You will then come back to the Law Office of Erich M. Niederlehner, PA to review the bankruptcy paperwork and sign said paperwork.  

5.  After you have signed your documents the Law Office of Erich M. Niederlehner, PA, will filed the Petition, Schedules and State of Financial Affairs with the court.  When these documents, which you have signed under penalty of perjury, are filed with the Court, you will be assigned a case number and this commences your case.  In most cases, immediately upon filing your case, an injunction goes into effect stopping your creditors from taking any further action to collect or recover on any debt you owe without first getting permission from the bankruptcy court. This injunction is called the "automatic stay".  

6.  Also, when your case is filed in with the court the court sets what is called a 341 Meeting.  This meeting is conducted by a Trustee.  This meeting is normally a very simple and brief meeting.  At this meeting you will be sworn in by the Trustee, and the Trustee will ask you questions under oath.  Also, if creditors choose to come to the meeting they are given an opportunity to ask you questions as well.  The Trustee's role is to liquidate (meaning, turn into cash) any non-exempt assets you have. The Trustee then distributes those funds to your creditors. The Trustee also monitors your case and will refer any incidences of fraud to the F.B.I. The Trustee can also object to the granting of discharge in your case if he/she believes your case was not filed in good faith (such as you have too much excess income to file a Chapter 7) or if you have committed fraud in connection with your petition and schedules.

It is important to remember that the Trustee does not represent you and the Trustee does not represent any creditor in your case.

7.  The Trustee has until 30 days after the date first set for your meeting with him/her to file an objection to any exemptions you have claimed. Again, this is rare, but it can happen depending on the specific exemptions you need to use in your case.

8.  Time for Objections By Creditors and Trustee - Your creditors have until 60 days after the date first set for your meeting with the Trustee to file a complaint objecting to the discharge of their debt, or to your entire discharge. Grounds for doing this include fraud (such as incurring charges on a credit card that you did not intend or have the reasonable ability to repay at the time they were made), false statements on a credit application, fraud while acting in a fiduciary capacity, willful or malicious injury to a person or property of a person, and certain others. Creditors can seek an extension of time to file their complaint, but as long as they received notice of your bankruptcy case, they must either file their complaint, or a motion requesting an extension prior to the expiration of the 60-day period.

9.  For cases filed after 10/17/05, you are required to complete a financial management course before receiving your discharge.  You can take the required course here at www.BEAdviser.com, BEAdvisor offers the second course for only $9.76.  You may also use Dave Ramsey's course which can be found at www.DaveRamsey.comAnother company to use is InCharge, which can be found at www.InCharge.org.  In Chapter 7 cases, you must have completed this course (usually about 2 hours) and submitted the certificate of completion to the court no later than 45 days after the date first set for your meeting with the Trustee.  If you fail to do this, you will NOT get a discharge.  This course can also be done over the internet or by phone or in person and can be done at the same counseling center that the Law Office of Erich M. Niederlehner, PA, provided you when you retained the firm.

10. Discharge - The moment you've been waiting for! If nobody objects to your discharge within the 60 day period referenced above, and you have completed all the other requirements, then you will automatically get your Notice of Discharge in the mail shortly thereafter (usually within 4-6 weeks after expiration of the 60-day period). This notice basically provides that you are discharged from all dischargeable debts. Certain debts are not dischargeable, such as child support, alimony, certain taxes, student loans, and some others.

The discharge applies to all dischargeable debts which you scheduled in your bankruptcy papers and which received notice of your bankruptcy filing. If a creditor did not receive notice, they MAY be able to reopen your case and still challenge the discharge of their debt later on. Whether they can do this depends on a number of factors, including what the basis of their discharge objection is, whether assets were distributed in your case, and a few others.

It is important to understand that the discharge has nothing to do with the Trustee's obligation to liquidate (i.e. sell) any non-exempt assets that you may have. Your case can remain open for years after your discharge if the Trustee is taking actions on any of your assets or seeking to recover preferential payments you may have made to creditors.

 
Click here to schedule your own Bankruptcy Asset Protection Consultation (a $300.00 value) FREE to new clients, and discover how to protect your property and by talking with Erich M. Niederlehner can save you thousands when filing for Bankruptcy.
Consumer Bankruptcy Asset Protection Law Office Erich M. Niederlehner, PA!


Bankruptcy Attorney & Author Erich M. Niederlehner - Offices in Pensacola, Fort Walton Beach & Panama City

1202 West Garden Street, Pensacola, Florida 32502 - Main Office | 217 Miracle Strip Parkway, Fort Walton Beach, Florida 32548 | 1102 McKenzie Avenue, Panama City, Florida, 32401

 

1-888-I'M-BROKE

 

Law Office of Erich M. Niederlehner, PA

Get Help Now!


 

  Call 1-888-I'M-BROKE or Self Schedule a Bankruptcy Asset Protection Consultation  with Erich M. Niederlehner
Pensacola Office: Ft Walton Beach Office: Panama City Office Phone Consultation:
1202 W. Garden St 217 Miracle Strip Pkwy.
1102 McKenzie Ave. 1202 W. Garden St.
Pensacola, FL
Fort Walton Beach, FL
Panama City, FL Pensacola, FL
1-888-I'M-BROKE 1-888-I'M-BROKE 1-888-I'M-BROKE 1-888-I'M-BROKE
Schedule
Appointment
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Appointment
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Appointment

We are a debt relief agency. We help people file for bankruptcy under the bankruptcy code.  No representation is made that the quality of the legal services to be performed is greater than the quality of legal services performed by other lawyers.  Main office is in Pensacola, Florida.  No attorney client relationship is established by using this website.  All information while thought to be up to date and reliable may have changed since this site was last updated.  All information is for general informational purposes only and should not be relied on for specific legal issues.  Please always consult with an attorney knowledgeable in the law that applies to your situation.  Please do not send time sensitive and/or personal information via this website or email.

Florida Bankruptcy Attorneys offer Affordable Bankruptcy, Debt Relief & Debt Consolidation in Alabama and Florida. Bankruptcy Attorneys provide Low Cost Bankruptcy & Discount Rates on Bankruptcy Attorney Fees serving

Pensacola Florida, Panama City, Fort Walton Beach, Florida & Tallahassee, Florida


Gulf Coast of Florida Consumer Bankruptcy Lawyer – Attorney Erich M. Niederlehner Chapter 7 Bankruptcy & Chapter 13 Bankruptcy, Affordable Debt Relief & Bill Consolidation in Alabama and Florida.

 

AGGRESSIVE AND COMPETENT BANKRUPTCY REPRESENTATION

PAYMENT PLANS AVAILABLE FOR ALL BANKRUPTCY CLIENTS

FAIR, REASONABLE & AFFORDABLE BANKRUPTCY RATES

FREE BANKRUPTCY CONSULTATION BOTH CHAPTER 7 BANKRUPTCY & CHAPTER 13 BANKRUPTCY

 

 

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