Bankruptcy - Miami - Attorney - Lawyers

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The Law Offices of Richard J. Adams, P.A. was established by Richard J. Adams in 1990. Presently, the firm handles bankruptcy, foreclosure, modification, and short sale cases in the South Florida area with various other convenient locations to serve you.
The firm's commitment is to provide a high level of service and representation of our clients at reasonable prices. We have a strong belief in the personal relationship between attorney and client. We will be pleased to provide you with a complimentary confidential consultation to review and analyze your particular situation.
The Law Offices of Richard J. Adams, P.A. is a debt relief agency helping people to file for bankruptcy relief under the bankruptcy code.
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Take control of your financial future today. Call us toll free, at 1.888.724.9860. Or, you can get started by filling out our free online case evaluation form. Simply fill out this secure online form with a few details about your situation. All information is kept confidential, and a bankruptcy attorney will contact you for a free, no obligation evaluation. We hope to hear from you soon and thank you for visiting our site.
Bankruptcy is a very difficult word to say. If you are experiencing financial difficulties, you do not have to work through them alone. Last year, over 2 million people filed for bankruptcy. The Law Offices of Adams & Associates, P.A. can assist you. We have five convenient locations to serve you that concentrate in consumer and business bankruptcy matters, including Chapter 7, Chapter 13 and Chapter 11 cases.
The two kinds of personal bankruptcy that you can file for are Chapter 7 and Chapter 13. There are various factors that would determine whether you should opt for Chapter 7 or Chapter 13. Through Chapter 7 Bankruptcy you can use liquidation, which literally means that you sell off property in order cover as much of the debt as possible, but at the same time you should have enough of the property left over in order for you to start all over again financially. On the other hand, the Chapter 13 Bankruptcy is the reorganization type of bankruptcy where the debtor is allowed three to five years over which to pay back the debts.
Adams & Associates, P.A. also represents clients facing foreclosure proceedings. In many cases, it is possible to work out new payment arrangements, counsel on the sale of property or otherwise manage a foreclosure in a manner most advantageous to the homeowner. In some cases, a Chapter 13 bankruptcy may be utilized to prevent the foreclosure of a home.
Most homeowners do not realize that a foreclosure can be defended in Florida. The fact that you can defend against a foreclosure proceeding does not mean that you will prevail and not have to pay back your mortgage payments, however, if you have equity in your home it may be protected by such a defense and you may stand a better chance at economic survival.
You must act quickly to avoid foreclosure on your home. In most cases, you only have 20 days to respond to the summons and complaint.
Also, Adams & Associates, P.A. represents clients in loan modifications. A Loan Modification may give you a fresh start, bringing your mortgage up to date after capitalizing any delinquent interest, escrow, fees, and other costs based on investor or HAMP guidelines.

Loan Modification programs add the delinquent interest, taxes and insurance payments to the unpaid balance. If you qualify, you may be able to get help by extending the repayment of the past due amounts over the remaining term of your loan.
Acting quickly should be your number one priority, as we will need to develop a plan, document your current financial situation, and/or contact your lender to begin negotiations on your behalf in order to attempt to stop foreclosure and save your home.
Further, Adams & Associates, P.A. processes short sales with the purpose of helping homeowners who are struggling with their mortgage payments and provide them with the information, guidance, and actual work that is required to allow the sale of the property. We process the short sales in accordance with the bank's guidelines or HAFA.

We know that financial downturns can be overwhelming and we provide possible solutions in this difficult time.

By an Act of Congress and the President of the United States, we are a federal Debt Relief Agency. Attorneys and/or law firms promoted through this web site are also federally designated Debt Relief Agencies. They help people file for relief under the U.S. Bankruptcy Code. Richard J. Adams is licensed to practice law in the State of Florida.

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