Welcome

Chapter 7 and 13 Debt Relief from Caring, Experienced Sebastian Bankruptcy Attorney

The Law Office of Leon Gus Nichols is a small, personable law firm in Sebastian, Florida, focused on providing exceptional legal representation for regular people at reasonable rates. We primarily practice in Chapter 7 and Chapter 13 Consumer Bankruptcy. We offer free consultations to anyone seeking advice from a bankruptcy attorney in Indian River, St. Lucie and Martin Counties as well as Brevard County. Contact us today to schedule a free consultation with a Sebastian bankruptcy attorney.

Sebastian Bankruptcy Lawyer Leon Gus Nichols approaches the practice of Chapter 7 and Chapter 13 Bankruptcy law with respect for people and small businesses. One of our chief aims is to restore dignity and a sense of financial control to the lives of our bankruptcy clients. We represent honest, hardworking people who find themselves needing to file personal bankruptcy in Indian River, St. Lucie and Martin Counties or Brevard County because, despite their hard work, they find themselves unable to pay their medical bills, credit cards, home equity loans, and other debt. As we often explain to our clients, the first step to getting ahead, is getting out of debt.

We never represent creditors, focusing instead on delivering a vigorous defense of consumer debtors’ rights under Chapter 7 and Chapter 13 bankruptcy. We are not a bankruptcy mill, like so many of our competitors advertising $499 for a bankruptcy (not the true cost, of course). Instead, we take the time to explain Chapter 7 and Chapter 13 bankruptcy protections and provide thorough counseling to our clients concerning the debt relief options available to them under bankruptcy law based on their individual financial situations. We represent clients on a flat fee basis in most cases, and again, we offer FREE initial consultations. Our free consultations usually last an hour or less with a real bankruptcy attorney, not a paralegal. Our level of analysis and service prevents the problems those cut-rate firms inevitably entail.

The reasons our clients need the protections of a Chapter 7 or Chapter 13 bankruptcy filing are as diverse as they are. Perhaps they are drowning in credit card debt, medical bills, or have judgments against them. Perhaps their home’s value has depreciated to an amount less than their first mortgage. Perhaps they are having their wages garnished due to a judgment. Bankruptcy clients in this area are honest, hardworking, often highly educated middle class people.

Bankruptcy Is Not a Bad Word

We believe in showing our clients respect and dignity. Filing personal bankruptcy is not a crime, and it has nothing to do with morality. As Chapter 7 or Chapter 13 debtors’ bankruptcy law office, we respect the fact that our clients have done nothing wrong to get into debt, though bill collectors often bully them into thinking so. Our clients may need bankruptcy help in Sebastian because they have lost a job, are being sued by their lender on a Home Equity Line of Credit after losing a home to foreclosure, or suffered an illness that led to catastrophic medical bills. Whatever the reason and no matter how crushing the debt, we are here to help our clients get a fresh financial start with a Chapter 7 bankruptcy discharge or to succeed through a manageable Chapter 13 bankruptcy payment plan.

Filing for bankruptcy is never an easy choice. Finding a bankruptcy attorney in Sebastian may seem overwhelming. We offer lengthy free consultations to every prospective client and treat each bankruptcy case with extraordinary care. By taking the first step of calling us for a free consultation, our clients take the first step toward a fresh financial start free of debt. If a debtor is eligible for a Chapter 7 bankruptcy, he or she can have nearly all his or her unsecured debts (like credit card debt) entirely discharged within about 90 days from the date we file the bankruptcy case. Most Chapter 7 clients are able to keep all of their property, provided the value of their assets does not exceed available Florida exemptions. Civil judgments, medical bills, credit cards, and even certain tax debts can be discharged in a Chapter 7 bankruptcy. If a debtor earns sufficient income to pay back some of his or her debt, then a Chapter 13 bankruptcy can offer significant legal protections while the debtor makes manageable payments on a Chapter 13 payment plan. In Chapter 13 bankruptcy cases, we can help clients strip second mortgage liens from property, thus converting a second mortgage into unsecured debt. In either case, bankruptcy law can be the last best lifeline for the client facing law suits, wage garnishment, bank levy, repossession, or just crushing credit card debt. And in either type of Chapter 7 or Chapter 13 bankruptcy, we ensure that creditors respect the Automatic Stay – the period that creditors are prohibited from all collection activities against the client, while his or her bankruptcy case is pending.

Imagine a Fresh Start – Free from Debt

Bankruptcy law, as a core principle, is aimed at giving honest debtors a chance to free themselves from debt. We can help you get there. We understand why bankruptcy law exists, and we seek to obtain the maximum debt relief and maximum protection from collectors, creditors, and bullies provided by our bankruptcy laws. Bankruptcy is supposed to offer a second chance, free from debt. We fight for just such a second chance for our bankruptcy clients.

As a bankruptcy law office seeking debt relief for our clients, the Bankruptcy Code even requires that we state this goal: “We are a debt relief agency. We help people file for relief under the Bankruptcy Code.” This is something we state proudly!

A Sebastian Bankruptcy Law Firm As Diverse As Our Clients

Thank you for visiting our site. We hope you will find that it provides you with a sense of our Law Offices’ approach and personality.