Welcome To The PerazaLaw, P.A.
Bankruptcy Attorney in Cape Coral: Protection Under Chapters 7 and 13
Financial stability is essential for every family in Cape Coral. Yet unexpected situations can threaten your peace of mind. Bankruptcy law is a consumer protection tool, designed to provide a fresh start when debts exceed your ability to pay.
At Peraza Law, P.A., we understand that financial difficulties often result from unforeseen circumstances: medical emergencies, job loss, or shifts in the market.
Under the guidance of attorney Manuel A. Peraza, our legal team delivers transparent, professional debt relief services in Cape Coral. We don’t just process paperwork; we actively protect your assets. What sets us apart is our personalized approach, including monthly updates to ensure you are always informed about your case’s progress.
Chapter 7 Bankruptcy in Cape Coral
This process allows you to eliminate unsecured debts, such as credit cards and medical bills, efficiently. While the law requires a review of your assets by a trustee, most of our clients in Cape Coral are able to keep their homes and vehicles thanks to Florida’s protective laws.
Our office specializes in applying these protections to ensure you receive the maximum legal benefit, typically achieving a resolution within a few months while immediately stopping collection calls and foreclosures.
Chapter 13 Bankruptcy and Protecting Your Property
For individuals with steady income who have fallen behind on mortgage or auto loan payments, Chapter 13 offers a strategic solution. This plan allows you to reorganize your debts into a manageable payment schedule over a period of three to five years.
The major advantage is that it halts foreclosure proceedings and can eliminate accumulated fees and interest. Unlike Chapter 7, Chapter 13 is a reorganization plan tailored to your current income, designed to protect your home.