Imagine A Future Without Debt: Personal Bankruptcy

Imagine a future where:

  • You don't have to worry about losing your home, your car or your wages
  • You can stop screening your calls
  • Your health improves because the financial burden is off your shoulders
  • Your credit improves

This future is possible. By filing for bankruptcy, we can help you get there. My name is Sam Pennington, and I am a personal bankruptcy attorney with offices in Orlando and Tavares. During my 25-plus years of practice in Florida, I have helped more than 8,000 clients file for bankruptcy and find financial relief.

I use the lighthouse as my personal emblem because I truly believe it is possible to get through the storms of life with the right light guiding you. I strive to be that light for my clients. Learn how I can help you. Arrange a no-cost consultation by calling 407-278-7776 or 352-508-8277 or sending me an email.

Bankruptcy Options

For individuals and families going through bankruptcy, there are two main personal bankruptcy options:

  • Chapter 7 liquidation: Chapter 7 bankruptcy is called the "fresh start" bankruptcy because it allows individuals to discharge many of their debts in a short amount of time. It is a good option for people with few assets and significant debt.
  • Chapter 13 reorganization: Through Chapter 13 bankruptcy, you, your lawyer, the bankruptcy trustee and your creditors create a reasonable plan to pay back some of your debts. This type of bankruptcy is great for people who want to stop foreclosure and for those with more assets.

Small-business owners also have options. If, for example, you own a family fishing or farming business, you may want to file for Chapter 12 bankruptcy. Chapter 7 is also available for sole practitioners, partnerships and corporations.

Getting Control Back

Have you ever heard the phrase — "Your future is what you make of it?" When you are surrounded by debt, it can be hard to believe. Sometimes, life happens and you don't have much control. But through bankruptcy, we can get some of that control back and put you on a path toward a better tomorrow.

I offer no-cost consultations and a welcome environment where we can talk through your current situation and whether bankruptcy is right for you. Please call 407-278-7776 or 352-508-8277 or fill out my contact form to arrange an appointment. I represent people throughout Central Florida in bankruptcy matters before the U.S. Bankruptcy Court for the Middle District of Florida.

Pennington Law Firm, PA, is a debt relief agency. I help people file for bankruptcy relief under the Bankruptcy Code.