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Bankruptcy Lanigan & Lanigan, P.L.
831 W. Morse Blvd., Winter Park, Florida 32789

407-740-7379

E-Mail Eric A. Lanigan HereE-Mail Roddy B. Lanigan Here
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real estate attorneys roddy lanigan and eric laniganExperienced Florida Real Estate Attorneys

Florida natives Eric Lanigan and Roddy Lanigan of Lanigan and Lanigan, P.L., in Winter Park, Florida, say that in real estate legal problems, immediate action is key to preventing litigation whenever possible. The best cases are won before reaching a courtroom with superior legal counsel from experienced Florida attorneys.

The Lanigans provide legal services in:

Bankruptcy, commercial, residential and investment properties, foreclosure, mortgage workouts involve real estate law. If you’re working with an attorney to get help in any of these areas and your property is involved, the attorney you hire should have Florida real estate knowledge and history.

If you’re considering bankruptcy and are also involved in Florida real estate as an owner or an investor, you’re familiar with the legal complexities involved. The question is what to do first? You know that you want the stress to stop, you don’t want creditors calling or forcing you to make business decisions and financial choices that you are likely to regret. 

Spend an hour or several hours with a Florida real estate attorney who has extensive real estate knowledge and advice to find out if the foreclosure papers or the creditors will win. You should have all the options in front of you before you make a decision that will affect you, your family, your business and your future.

Always get the advice of an attorney immediately. Don’t wait. What you’ll discover is that you’ll have more choices the sooner that you deal with the problem you’re facing. Find out what’s coming and what’s possible and have a say in what will happen.

Problems Often Begin with Real Estate

If you’re a property owner or are in a business partnership that involves real estate, legal property problems can become overwhelming to sort through without an attorney. Many times, financial problems begin when real estate purchased for personal, or business or investment purposes is involved. When finances take a turn, often, the real estate is the first issue to arise. 

Maybe you’re at your wits end in trying to keep up payments on a property that needs repairs that you can no longer afford, but your pride just won’t let you make a move one way or the other. Maybe you’re not able to pay your mortgage because you’ve been affected by an illness and the medical bills and creditors are driving you crazy. 

Where to Begin 

Additional problems adding to your financial disasters can surface with a sudden leaky roof on a commercial or residential property. Maybe there’s black mold in a recently acquired Florida real estate investment property. Suddenly, the need to refinance a home mortgage to fund the financial deficit or you’re considering bankruptcy as an answer to the problems. These are reasons for immediate attention for resolution by an attorney. At the very least, come in for a consultation to see if there are other ways to resolve what you see as insurmountable problems. 

While property ownership is a very personal and often emotional acquisition, the ability to defend a home from foreclosure is not something to tackle alone. Maybe you could do a mortgage workout. Maybe your business could survive if you file a Chapter 11 bankruptcy.

If your first thought is bankruptcy, you should take a moment to consult with an experienced attorney. It may be determined that bankruptcy will not fix the problems. Maybe you won’t have to file at all. Maybe you will have to file. But at least get all the cards out on the table. 

Florida Natives Who Know Florida Real Estate

Real estate law is personal to Florida attorneys Eric A. Lanigan and Roddy B. Lanigan of  These two native Floridians have seen many real estate legal situations that could have been prevented or resolved relatively simply and with less expense through an initial visit to an attorney.  

Sitting down with a real estate attorney is something that you should do before signing any contract. Meetings with attorneys can be very stressful when you’re desperate. However, no matter what your problem you can feel comfortable calling Eric Lanigan or Roddy Lanigan who are very happy to help when problems arise.

You can call any time to set an appointment to meet with Eric and Roddy. Lanigan and Lanigan has intentionally stayed a small firm, a family law practice, but with the resources of a large firm. This allows the Lanigans to provide clients the individual attention to client meetings, cases, and court battles. The Lanigans work for Florida homeowners, businesses and individuals trying to purchase, sell, save or invest in Florida properties. 

The Lanigan and Lanigan Story

The many years of  helping guide clients find financially viable mortgage payments and the least damaging credit alternatives began in 1976 when Eric Lanigan began practicing Florida law. Roddy Lanigan joined the firm in 2007.

No matter what stage of bankruptcy, foreclosure or mortgage refinance, clients are assured Eric or Roddy will personally work towards the desired legal outcome. 

The Lanigans’ knowledge and experience after fighting thousands of Florida real estate cases, foreclosure defenses, provides property owners a strong guide through a tough housing and economic market. If bankruptcy is what you’re wanting to change your personal or business finances, consult with the Lanigans. . But you can find out what the alternatives are by asking the Lanigans in your meeting. They’ll tell you if bankruptcy is not right for your situation. 

The Lanigans routinely see clients who come into the office losing homes, facing bankruptcy, and fighting foreclosure lawsuits. Eric and Roddy work with clients to negotiate and litigate when necessary with the banks to salvage homes and refinance mortgages workouts.

If a client cannot afford a home and is overwhelmed by debt and bankruptcy is the decision for the individual or family, the Lanigans will find solutions that may include Chapter 7 bankruptcy, Chapter 11 bankruptcy, or Chapter 13 bankruptcy. A mortgage workout may be an alternative. You won’t be boxed into a corner because ultimately it’s your decision but you’ll know all sides before you choose. 

You Are Not Alone in Your Situation

The first thing to understand is that you’re not alone in what seems a very challenging position of defending your home, your assets and your financial futures. Highly skilled in the economics of Florida’s mortgage crisis and business downturn, Roddy and Eric know what homeowners and business owners are facing. The poor economy has affected everyone.

The past five years and the next 10 years in Florida will require careful and precise planning for families, businesses and individuals who want to survive and thrive in the housing and job markets in Florida and across the country.

If you’re feeling the financial pinch from your home mortgage which may be too high after a job loss or career change, you need to know what else you can do besides filing for bankruptcy. If you know there will soon be an APR increase or possible loss of income, then it’s time you make an appointment to meet with the Lanigans.

The Lanigans will look at your paperwork, ask you questions and listen to what you want to do. The Lanigans will provide you options and then you will make some difficult but necessary personal and business choices to get your home and living costs under control. 

Options for Homeowners Struggling to Pay Mortgages, Debt

Any Florida homeowner with a mortgage knows that Florida real estate has experienced a downturn since 2006. Home values were decreasing dramatically while mortgage payments increased. What are the options if your home is under water or you know that foreclosure is just ahead?

If you’re facing: 

  • Increasing or high Annual Percentage Rates (APR)
  • Balloon payments
  • Upside down property (real estate worth less than the mortgage that is owed to the bank)
  • A second or a third mortgage
  • Equity lines
  • Credit lines with high interest rates 
You should come in for a meeting with the Lanigans. Your options may include Bankruptcy, Foreclosure or a Mortgage Workout depending on what you want to have happen and depending upon your financial situation.
 

Bankruptcy

Chapter 7 Bankruptcy: for personal, individual, married couples, Chapter 7 bankruptcy can wipe your financial slate clean. Assets are reviewed. Florida homestead exemption may allow you to keep your home. May alleviate credit card, medical debt.
 
Chapter 11 Bankruptcy: for businesses , alleviates some debt, requires a business reorganization that includes proof that the business can become profitable.
 
Chapter 13 Bankruptcy: for personal, individual, married couples. Can alleviate or minimize credit card and  medical debt, some second mortgages, but where possible, you pay creditors back over 3-5 year plan. Less credit report damage. One slip to repayment plan and it becomes a Chapter 7 bankruptcy.
 
Foreclosure or Foreclosure Defense: Lose your home or keep your home when the bank sues you for the home after you’ve not paid the mortgage for several months. The mortgage payment lapses may be legally defended if paperwork is faulty or the home may be saved via foreclosure defense based on  illegalities within the mortgage or the foreclosure processes taken by the lender such as Robo-Signed paperwork.
 
Mortgage Workout: Also called a mortgage refinance for which you may or may not qualify and a lender may or may not accept. A renegotiated mortgage offer and plan has to be carefully constructed for a lender to accept it. Homeowner financial picture must be positive so that there’s an ability to pay and afford new payment plan. The Lanigans may find and make an offer that the lender will accept. 

Contact the Lanigans Today

You may be living with real estate situation that can lead to financial ruin if changes are not made soon. Either your income has to increase, or your debt and mortgage costs have to decrease or you may end up defending your home in a foreclosure lawsuit. You may not need to file bankruptcy because occasionally, bankruptcy may be avoided.

Having to pay a mortgage that is more than the house is worth can seem to be a colossal waste of money. But home ownership is a dream and letting a home go can seem like failure. Owning an upside down home is a common problem for clients coming to Lanigan and Lanigan for help. You are not a failure. There are many financial reasons for 

When there is personal property mortgage with a high APR,  yet the value of the home is far below the mortgage value there are options to alleviating the debt on an upside down home. However, there are options that a homeowner alone is not qualified or able to determine without help. 

Florida’s real estate market has caused homes to decrease in value, and mortgages written several years ago when the market was in better condition, now seem impossible to pay. Don’t sit and do nothing. Contact the Lanigans today.

Mortgage Workouts, Bankruptcy, Foreclosure: Best for You?

Eric Lanigan and Roddy Lanigan offer Bankruptcy Chapter 7, Chapter 11, Chapter 13 services as well as Foreclosure defense and mortgage refinancing (known as Mortgage Workouts).

Don’t worry about what you think you should do. Meet and consult with Eric and Roddy because the Lanigans will review your finances, ask what you want, see what is possible and then, begin the legal plans and processes to try to change your debt, mortgage and income challenges.

There is not a set plan for everyone. There is not a one size fits all direction the Lanigans have for clients. Every situation is unique and the final choice is always yours. The Lanigans will simply provide the options based on your finances and what is possible and what’s not possible.

If you don’t know what to do and have not decided or discussed your hopes and wishes as a business with partners, or as a family, or an individual, that’s OK.  When you meet with Eric and or Roddy, you’ll get help sorting out:

a. what you want to do to alleviate debt and mortgage challenges
b. debt, mortgage owed, home value
c. what needs be done to change your financial future

By working with the Lanigans you will clearly understand through careful and concise explanations, the legal problems and options that involve your home and your debt.  The Lanigans handle everything and will work to achieve the goals that you decide are best for you.

Top 5 Things to Know Before Hiring an Attorney 

There are many things that you need to find out about an attorney before formally hiring the attorney. You need to find out if the attorney: 

1. is licensed to practice law in the state where you have a legal case
2. has experience litigating in a courtroom if you know the case will have to be fought in a courtroom
3. practices law in the area in which you need legal services
4. will handle your case personally or pass it off to a partner or an assistant
5. is willing to take on your case 

Find out the ability of an attorney and the knowledge of the law, the ability to interpret and to use the law and past cases and judgments to handle or defend a case. 

Eric Lanigan expresses to all clients that the rules of evidence decide every case: the evidence presented to the judge and or jury on your behalf to prove or defend your case should be granted what is asked of the courts.

Watching an attorney prosecute or defend a client or a case in front of a judge is not always possible. Roddy Lanigan and Eric Lanigan tell clients that it’s imperative to read about the attorney you hire.

Shoppers Beware: You Get What You Pay For 

Prices vary as do the many situations and reasons that people file a bankruptcy. Your case is not like anyone else’s, nor are all bankruptcy cases the same.

Come to Lanigan & Lanigan, P.L., if you’re looking for experienced bankruptcy and or foreclosure legal representation.

If the only and primary concern that a client has in hiring an attorney is price and how much the hourly rate or the case will cost, then go shopping and get the lowest price possible. But the Lanigans will not provide the lowest possible rate. The goal is the very best legal service possible. 

Just be aware that the price you pay equates with the service that will be provided.

For example, a foreclosure defense case is a lawsuit. You are hiring an attorney to defend you and your home from a lawsuit or to settle the case and provide legal direction on options to keeping or letting the property go. The attorney you select should have litigation experience and know foreclosure law.

Bankruptcy is fought in a Federal Court. There are legal complexities that will affect what you keep and what you’ll have to give up to the bankruptcy trustee.

If you’re bargain shopping, the Lanigans will not be in the lower price ranges. There are no “deals, discounts or bargains,” made. If you want an aggressive attorney who will fight for you and provide experienced representation, contact the Lanigans.

A lawyer’s fees directly correspond to the level of legal defense you will receive.

It’s important to understand that an attorney’s background, courtroom and litigation experience will effectively win or lose your case. It doesn’t matter if you go into court. It doesn’t matter if a negotiation settles out of court. An attorney’s skill and knowledge in the area of law in which you need help is what matters. 

Only the Lanigans Handle Your Case

Clients receive one-on-one support in all legal matters which are handled personally by Eric Lanigan or Roddy Lanigan. You’ll see Eric or Roddy Lanigan in consultations, meetings, court appearances, trustee meetings and everywhere else. The two partners meet directly with clients.

The Lanigans provide all work personally. The Lanigans represent you and do the case work. You clearly know your lawyer is doing the work and handling your case with the skill and time that it deserves. All attorneys are not the same and each lawyer has a practice area that he or she works in with various skill levels. Choose wisely.

Eric Lanigan has practiced business and civil litigation in Central Florida since 1976. Roddy Lanigan joined Eric as partner in the law firm in 2007. Together they work on behalf of clients keeping them informed throughout the legal process. 

You may need to file bankruptcy because your Florida home is in foreclosure, you have bills you can’t pay, creditors are calling constantly and you’ve lost your job. Without a plan on how to manage your financial problems and debt, you will likely file bankruptcy.

Before you file bankruptcy, you want to consider an option called a mortgage workout which is also known as a refinance. A mortgage workout could also slow or stop a foreclosure.  Find out what your options are by making an appointment to meet with the Lanigans.

Mortgage, Foreclosure and Bankruptcy Know-How

The knowledge the Lanigans hold can become a comfort and a guide through a mortgage workout, a foreclosure or a bankruptcy. You’ll find out how you may be able to save your home or can eliminate the stressful and threatening creditor demands arriving by mail or by phone.

In every situation there are uncontrollable circumstances that led to financial trouble. Consult with Lanigan and Lanigan, P.L., to find out if bankruptcy should be considered to relieve the personal and economic distress that often begins with a foreclosure notice from a lender. There are options available and for every problem, a solution.

Bankruptcy & Foreclosure Representation With a Personal Touch

Eric and Roddy Lanigan are passionate about the legal practice and treat clients as individuals with respect and compassion for every situation. Each case is thoroughly pursued to assure clients that bankruptcy and or foreclosure defense, mortgage workouts and litigation succeed and that every personal and unique set of needs is met.

Lanigan & Lanigan, P.L., a law firm located in Winter Park, Florida, is committed to supporting and helping clients with financial problems and heavy debt who may be facing bankruptcy, foreclosure defense or both.

Eric and Roddy Lanigan provide Bankruptcy, Business Workouts, Foreclosure Defense and Mortgage Workouts to those who need a way out and a fresh start.

In addition, Eric and Roddy offer Asset Protection, Business and Civil Litigation, Corporate Reorganization, Criminal Defense, Personal Injury, Real Estate Litigation, and Securities and Investment Losses counsel to clients.

Central Florida Bankruptcy, Foreclosure, Mortgage Workouts

Lanigan & Lanigan, P.L., provide legal services and representation to clients throughout Central Florida and will handle clients and cases in Brevard, Flagler, Lake, Marion, Orange, Osceola, Polk, Seminole, Sumter and Volusia Counties.

There are many legitimate reasons to call a lawyer to file bankruptcy or handle a foreclosure. When it reaches a point where your finances are overwhelming and you’re not sure where to start, contact Eric and Roddy Lanigan to receive counsel and then decide what’s right for you. You’ll work with experienced bankruptcy and foreclosure attorneys who provide individuals and businesses legal representation with a personal touch.

Experienced Attorneys, Personal Representation

Eric and Roddy Lanigan, of Lanigan and Lanigan, P.L., are skilled business and financial litigators who can identify potential issues and problems to protect client interests for the most positive economic outcomes during a bankruptcy and or a foreclosure.

At times individuals and businesses that file bankruptcy or foreclosure are faced with debt so heavy that it seems like nothing will ease the fear of what financial challenges may come next.

When personal options become limited due to loss of a job, heavy credit card debt or medical bills a bankruptcy may become a way out, particularly when also facing a foreclosure.

Sometimes, there is no going back or getting out from under the bills unless bankruptcy is filed. Other times, your debt may be able to be managed with a careful planning and repayment plans to turn your future around.

When you’re not sure what to do and have run out of time, contact Lanigan and Lanigan, P.L.  You’ll work with committed lawyers who you can rely on to be at your side and on your side from the moment papers are filed to the day that the financial burdens are relieved.

All cases are different because individual financial scenarios vary. But when an economic challenge arises don’t be afraid to ask for help. Call Eric Lanigan and Roddy Lanigan experienced attorneys who provide clients exceptional representation with a personal touch.

Bankruptcy Filings Increase in Florida

The bankruptcy era in Florida and for Lanigan and Lanigan, P.L., has continued since 2007. Eric Lanigan said that there was an initial influx of cases numbering at first two, then three, then five or six bankruptcies being filed by the firm every month.

“When everything started to go downhill in the economy, suddenly there were five or six a day. Suddenly I realized I was doing 10 or 11 or 12 a month. Then, in the beginning of 2008, it just exploded. It was literally 20 (bankruptcies) a week.

“It was like one of those commercials on TV for companies who are just beginning to sell a product online and there’s a little meter there to show the growth when they launch the product on the website. You watch the meter start to click along…one, two, five, 10, 15, 16…and then the meter just starts spinning like crazy.

“Suddenly, everyone watching this sort of realizes what’s happening and they look at each other like what’s going on and how are we going to deal with all of this? And that’s when it hit me that there was a bankruptcy problem nationally.”

Foreclosures Increase in Florida

Roddy Lanigan joined Eric Lanigan as a partner of Lanigan and Lanigan, P.L., in late 2007. Lanigan & Lanigan, P.L., bankruptcy filings were then on the increase. Then, Eric began to notice another trend: that individuals coming in had less and less equity in their homes. It was in 2008 that the firm saw an increase in foreclosures.

“The home is the last thing that a family is going to let go in a bankruptcy,” Eric Lanigan said. “The mortgage payment is it. But, then the air conditioner goes out. And that’s a $6,000 investment. It used to be that people would go into a home equity loan to pay for it. But without that equity what are they going to do?

“So you get to a point like this and why are you going to pour more money into the house when suddenly you’re hundreds of thousands of dollars in the hole with no hope? People are hopelessly underwater on their house and they have no way of ever recovering any equity in the house. If they’re lucky, they’ll live long enough just to break even. But you’ll have to live to be 100.

“Clients then decide to give up the house in foreclosure. They haven’t made any payments in three or four or five months. Basically the story is if you’ve been served the foreclosure papers and you do nothing, you’re out in four or five months.

“This happens because people have been through bankruptcy. They’ve wiped out the loan in the bankruptcy but they still own the property so the bank has to go into foreclosure. That’s when you have to file bankruptcy and then a foreclosure. It happens.

“I’ve learned you have to play the hand you’re dealt,” Eric said.

In every situation there are different circumstances that led to overwhelming financial debt.

Consult with Lanigan and Lanigan, P.L., to find out if bankruptcy should be considered an option to relieve the personal and economic distress that often begins with a foreclosure notice from a lender. There are options available and for every problem, a solution.

Reasons for Bankruptcy and Foreclosure

Eric and Roddy Lanigan see all types of people in a variety of financial situations in their offices; from CEOs to teachers to airline pilots, builders, small business owners, heads of families and single people. The one thing that they all have in common: the poor economy.

The top reasons for filing bankruptcy include:

1. Job loss or loss of income
2. Credit card debt
3. Medical bills due to illness, no insurance
4. Divorce
5. Mortgage debt 

People are suffering in all walks of life as a result of the economic downturn. The economy has spared no industry and no demographic group. Florida is No. 2 only behind California in filing bankruptcies.

So if you find yourself overwhelmed by credit card balances, spiraling mortgage costs, or medical bills and are considering a Chapter 7 or Chapter 13 bankruptcy for a source of debt relief, you will not be alone. Help is available and bankruptcy may provide you with a fresh start.

There may be a serious personal debt problem due to the loss of income, layoffs, medical debt, divorce. It’s very common and is nothing to be ashamed of. People in all walks of life are suffering from the poor economy of the state and the U.S. Bankruptcy was created to provide people who undergo a financial disaster a second chance.

The immediate response to personal financial challenges will vary by person, by family or business.  Bankruptcy becomes an option. But while a Chapter 11 bankruptcy may work for a business property, the Lanigans may have a plan to instead reorganize the business. 

Chapter 7 bankruptcy may work for extensive personal debt, but a Chapter 13 may be the suggestion. A Chapter 13 bankruptcy allows the debtor to pay creditors back over a three- to five-year plan that is less harmful to credit. 

Florida, U.S. Economy Cause Bankruptcy, Foreclosure

The Florida economy began to decline in 2007 when the banks extended credit to homeowners with less than thorough credit and background checks before granting mortgages that some people could not afford. One of the reasons the fiscal irresponsibility was allowed was due to the banks pressure on staff to meet quotas, to sell mortgages to generate revenue. 

The process that allowed the financial irresponsibility began with bank personnel hurried to approve eager families, businesses and individuals who were trying to buy homes without the means or the good credit needed to own a home.

Robo-signing–the rapid approval process using what has now been ruled illegal procedures including false and duplicate and incorrect signatures by one person working for the bank who signed as several different people on mortgage paperwork–allowed many home mortgages to be approved. 

People bought more house than their incomes could afford. The economy dropped, jobs were lost, people began living off of credit cards. Medical bills from sudden, long-term illness sunk families who were also struggling to afford expensive home mortgages. 

When the job market didn’t rebound, bankruptcy filings began. By 2008 the bankruptcies and foreclosures in the state increased drastically. This is a national problem that has affected millions of people. 

As of November 1, 2013, Florida bankruptcies were still among the top five states in the country.

How Many Bankruptcy and Foreclosure Cases Handled?

Lanigan and Lanigan, P.L., has filed thousands of bankruptcies, many since 2007. So if you’re considering bankruptcy, you’re not alone.

Although everyone’s case is unique in some way, your case is the same in some way. Come in and find out if the key aspects of your case are a problem or not.

Bankruptcy or Foreclosure Can Happen to Anyone

Families, CEOs and business partners can crumble under the pressure of heavy debt. No one is too big to fail and a bankruptcy or a foreclosure can happen to anyone.

There’s no roadmap to debt, or a similar path out of debt. However, the eventual scenario is the same and a decision has to be made: Do you file bankruptcy and face foreclosure head on or stick it out and hope for the best?

If and when the burden of debt has moved beyond your ability to manage it day in and day out, it may be time to take the next step and consider filing for bankruptcy. If your home is in foreclosure you can fight it or you can let it go. But don’t ignore the notices. Call Lanigan and Lanigan, P.L.

The Bankruptcy Process at Lanigan and Lanigan, P.L.

The bankruptcy process starts at Lanigan and Lanigan with the initial phone call to make an appointment.

Next, clients are invited into the office for the interview. Eric or Roddy Lanigan ask you questions and take a rudimentary inventory of your assets and liabilities. Then they explain to you how Florida law will affect your personal property exemptions and how bankruptcy law works.

Then you have to make a decision on whether or not you want to file for bankruptcy and if so together determine next steps and they will share with you what the process is going to be.

The Lanigans take you from start to finish in the bankruptcy process and then explain to you the type of contingencies you might encounter based on your particular facts.

Bankruptcy and Foreclosure Consultations

Bankruptcy, foreclosure and debt relief consultations are held in Lanigan & Lanigan, P.L., offices and are approximately 45 minutes long. You must call to make an appointment.

Call 407-740-7379 to meet in the Orlando or Winter Park, Florida, office.

After the meeting, debt counseling will be required online, on the phone or in-person. You’ll be given a form and questionaire to fill out at home about your finances and bring it the next time you come into the office. Clients are given a checklist of items to bring to meetings.

Eric and Roddy will talk with you one-on-one about what you’d like to do. They will listen to your story to find out what happened and answer all your questions about what can occur in a Chapter 7, Chapter 11 or a Chapter 13 bankruptcy.

If you’re also facing a foreclosure, you’ll share all the financial details and tell them about the point at which your foreclosure or pending foreclosure stands. Lanigan & Lanigan, P.L., regularly helps businesses and individuals facing both bankruptcy and foreclosure deal with the situations and debt to find effective solutions.

Only Lanigan and Lanigan Handle Your Case

You will meet with Eric or Roddy Lanigan for the initial attorney bankruptcy consultation and interview, and then you’ll see them again for every meeting moving forward. You will be able to reach Eric and Roddy Lanigan on the telephone. You will not have to meet with a paralegal, a secretary or an assistant. The Lanigans handle your case personally.

You will go to your 341 creditor meeting and when you sit across the table from the trustee who is charged with the responsibility of selling any non-exempt assets that you may have which can include your car, your furniture, anything that you own. Eric or Roddy Lanigan will be there.

There’s a Difference in Bankruptcy Attorneys

Eric and or Roddy Lanigan attend every client meeting personally. Eric or Roddy also follow up with you personally after a meeting because there are always general questions and follow-up issues after the initial meeting.

There are attorneys who practice and approach bankruptcy law with various levels of expertise. You want an attorney who is very familiar with and keeps up with all aspects of bankruptcy law in order to help a client save as much of their property as possible.

Bankruptcy is an adversarial process. You don’t want a hand holder, you want an active attorney who will fight for your property rights within the law and with the full knowledge of your particular case.

Bankruptcy trustees are agents of the government. Eric and Roddy Lanigan are there to protect your rights otherwise there is no guarantee that someone will fight for you. You’re hiring someone to fight for you, to bring you through the process successfully and protect your rights so you can have a new start but by keeping as much property as you’re entitled to by Florida law.

Benefit From Experienced Bankruptcy Attorneys

The benefit of having an experienced bankruptcy attorney who has filed a lot of bankruptcy cases to work with the bankruptcy trustee. The trustee is familiar with that attorney and because of a working relationship has a mutual respect for the attorney.

The trustee knows that the experienced attorney has bankruptcy expertise, follows protocol and there is a benefit to that trustee because that attorney is making sure that things are done properly in the bankruptcy.

The trustee has seen the bankruptcy attorney in a range of bankruptcy situations and that they’ve handled them correctly and within legal and ethical guidelines. There’s a professional respect between the parties.

Eric and Roddy will attend your Bankruptcy 341 meeting. The 341 meeting is the meeting at the courthouse, but not with a judge or in a courtroom after bankruptcy papers are filed when you meet with the bankruptcy trustee to review your case.

If and when you decide to file bankruptcy and have to meet with court trustees, the Lanigans will be in your judicial foreclosure and explain procedures before and during the 341 when tough decisions regarding your home ownership will be made in court.

In bankruptcy or foreclosure, Lanigan & Lanigan, P.L., will be with you at every turn, in all situations, available for information and immediate answers to difficult choices.