To ensure the safety of our employees and clients during COVID-19, we are taking precautionary steps at our office. We are encouraging all clients to communicate with us by phone or email. Any paperwork that needs to be dropped off at the office can either be mailed or put through the mail slot on our front door. If you are concerned about how COVID-19 may affect payments for your bankruptcy, please give our office a call.
Thank you for your understanding.
Attorney’s Michael Faro (Mike) and J. Christopher Crowder (Chris) specialize in Chapter 7 and Chapter 13 bankruptcy as well as other forms of debt relief, credit card debt and stopping wage garnishment. Our Melbourne bankruptcy attorneys and staff understand how overwhelming a financial situation can be and the many questions you may have about bankruptcy filing. We will work with you throughout the process and help you get a fresh financial start.
How Do I Know if Bankruptcy is Right for Me? If you are behind on house payments, car payments, or feel like you will never be able to get out of debt it may be time to talk to Faro & Crowder about your debt relief options. Bankruptcy can give a family a second chance to prosper or breathe new life into a dying business. Our goal is to help you understand if bankruptcy is right for you.
Will Filing Bankruptcy Stop My Foreclosure? The thought of losing your home can be devastating. If you are facing a foreclosure action, it is important to seek legal assistance and learn what your options are for dealing with it. One option you may want to consider is filing a Chapter 7 or Chapter 13 bankruptcy. Many bankruptcies are filed by homeowners attempting to halt or avoid foreclosure of their home.
Can Filing Bankruptcy Eliminate My Credit Card Debt? Credit card debt is one of the most common factors that contribute to individuals filing for bankruptcy protection. If you are overwhelmed by your credit card bills, filing a Chapter 7 or Chapter 13 may be the solution.
Faro & Crowder, PA, provides skilled legal representation in Melbourne, Florida. Our legal services cover residents of Brevard County.
In addition, our attorneys have handled cases from Marathon Key all the way up to Pensacola, Florida. Our focus is debt relief, foreclosure defense, asset protection, real estate transactions, litigation and defense against debt collection.
We are licensed to practice in the courts of Florida, the United States District Court for the Middle District of Florida, and the United States Bankruptcy Court for the Middle District of Florida. We regularly appear in courts in Melbourne, Viera, Titusville, and Orlando.
Can Bankruptcy Help Stop Wage Garnishment? If you have fallen behind on your bills and collection lawsuits have been filed against you, it is important to understand that once a creditor obtains a court judgment against you collection efforts will begin. Once powerful and commonly used collection tool is the garnishment of your accounts and/or wages. The creditor serves either your bank (or other account holder) or your employer with an order instructing it to pay money that is owed to you, directly to the creditor instead.
Bank or Account Garnishments If you hold money in an account, a creditor can generally file a garnishment action against the funds being held by the account-holder. In some cases the creditor can take all of the funds in your account, but you should be aware that there are certain exemptions provided by law that can protect certain types of funds. Thus, if you are served with notice of a garnishment, you should confer with an attorney to determine if any exemptions apply in your case.
An important benefit of filing for bankruptcy protection is that the automatic stay goes into effect immediately upon the filing of your petition. The stay prevents creditors from continuing any collection efforts against you while your case is pending. Thus, all harassing telephone calls, demand letters and collection lawsuits against you must stop.
If you are considering filing bankruptcy, contact our office to schedule a free initial consultation. Our attorneys will talk about creating a plan to get back on track.
The decision to hire an attorney is an important one and should not be based on advertising alone. We believe our reputation and track record speak for themselves, but we welcome you to ask our other clients about their experience working with us.
Our office has been open in Brevard County since 2005, with Attorney Crowder joining the firm as a partner in 2009. Our regular hours are Monday through Friday from 9:00 a.m. until 5:00 p.m. In some circumstances, a lawyer may be available for early morning, evening, weekend, or telephonic appointments.
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