The Law Office of Verna Popo, P.A., is focused on helping individuals and families in Miami-Dade, Broward and Palm Beach counties who are struggling with debt or have become disabled and need assistance from a Chapter 7 or Chapter 13 bankruptcy or who need help obtaining Social Security Disability benefits. With personal attention, care and concern for your particular needs, our office is committed to getting you the help you need.
Helping Consumers Find Relief Through Chapter 7 and Chapter 13 Bankruptcy
Bankruptcy protection has helped countless people out of financial difficulty, including many of history’s most famous and successful individuals. We take the time to understand your unique situation and present you with a full picture of your best options to find effective relief from debt, including bankruptcy under Chapter 7 or Chapter 13.
Chapter 7 – Also known as liquidation or straight bankruptcy, Chapter 7 involves selling off your non-exempt assets to pay your creditors and then receiving a discharge of any remaining debt. With the proper use of U.S. and Florida bankruptcy exemptions, many people are able to obtain a no-asset bankruptcy, meaning that they receive a complete discharge of debt without having to sell off any of their property.
Most unsecured debts, including credit card bills, medical expenses, and certain tax debt, can be discharged under Chapter 7. While not all debts are dischargeable in Chapter 7, a discharge can oftentimes free up enough disposable income so that individuals can comfortably meet any nondischargeable obligations, such as student loans, child support or alimony. Individuals who cannot qualify for Chapter 7 may still find effective debt relief through Chapter 13.
Chapter 13 – Also known as a debt adjustment or wage earner’s plan, Chapter 13 allows you to negotiate and adjust your debts so that you can comfortably pay them off over a three or five-year period. Chapter 13 has the advantage of bringing all your creditors together in one place and dealing with one payment rather than several. Creditors must submit to an approved plan and cannot continue to harass you for other payment.
Chapter 13 also has the added benefit of stopping a home foreclosure in its tracks. Even if you are in default on your mortgage and foreclosure proceedings have begun, Chapter 13 allows you to catch up any missed payments by rolling them into your three or five-year payment plan. As long as you stay current on your monthly payments, the bank can no longer take your home.
Our Florida bankruptcy representation covers all aspects of the Chapter 7 or Chapter 13 bankruptcy process, including:
- Advising clients on their options
- Preparing and filing all petitions and schedules
- Preparing clients for section 341 Meetings
- Preparing pleadings, orders, and amended and modified plans
- Managing cases, retaining appointments, reviewing documents, and following up with clients
Making Sure You Get the Social Security Disability Benefits You Are Entitled To
If you are disabled and cannot work, you may think that you are entitled to receive Social Security Disability (SSD) benefits from the government. However, more than one-third of all applications filed with the Social Security Administration (SSA) are initially denied. Many people give up when their application is denied and never receive the benefits they are ultimately entitled to. However, we know the system and can prepare your application and appeals for the best chances for success. As a former Attorney-Adviser for the SSA Office of Disability Adjudication and Review in Miami, Verna Popo analyzed the factual and legal issues present in disability cases and advised the Administrative Law Judges on the basis for their rulings.
At the Law Office of Verna Popo, we work with you from the outset to prepare your application for the best chance of being accepted. If your application is denied, we advise and represent you through as many stages of the appeal process as are necessary to have your application properly considered. We represent clients in:
- Request for Reconsideration
- Hearing before an Administrative Law Judge (ALJ)
- Appeals Council Review of a Decision or Order of the ALJ
- District Court Case filed against Social Security in Federal Court
Experienced Representation in Bankruptcy and Social Security from a Skilled and Compassionate Florida Attorney
Struggling with debt, dealing with hounding from relentless bill collectors, and trying to navigate the frustrating social security system, can cause tremendous stress and anxiety. Don’t waste another sleepless night worrying about how you will deal with these issues. Get professional help from a skilled and experienced lawyer who knows the law and knows what to do to provide you with real help in a timely fashion. From Miami to West Palm Beach and all points in between, contact the Law Office of Verna Popo, P.A., for a free consultation.