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Chapter 7 & Chapter 13 Bankruptcy - Pensacola

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


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.



 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


So you may be asking, how can the Erich M. Niederlehner, 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 has represented hundreds of bankruptcy clients. The hundreds of cases of experience has given him the experience to streamline the bankruptcy process and make the process as painless and quick as possible. 
  • Technology: With advances in 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 fiances back in control.


The chart below illustrates how long it would take you to pay off typical credit card balances if you only made the minimum monthly payment. This example assumes a 2.5% minimum percentage payment, and an absolute minimum payment requirement of $10.00 per month at an interest rate of 17%.

Amount Time Added Interest
$ 1,000.00 12 years $ 979.00
$ 5,000.00 24 1/3 years $ 6,210.00
$10,000.00 29 years $12,745.00

Chapter 7 Bankruptcy is a liquidation process. Bankruptcy law (Federal or Florida 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 and liquidated by the Trustee appointed to your case. Erich M. Niederlehner, can assist you in determining what is exempt and is exempt property in your case.

Chapter 13 Bankruptcy is a reorganization chapter under court supervision. Chapter 13 is appropriate  to prevent a foreclosure by using the Chapter 13 to catch up missed payment, pay back taxes or prevent a repossession of a car by catching payments up in a Chapter 13. Erich M. Niederlehner, can assist you in obtaining the protection afforded by Chapter 13.

Bankruptcy Attorney & Author Erich M. Niederlehner - Office in Pensacola

1202 W Garden Street, Pensacola, Florida 32502 - Main Office




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

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

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.








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