favorite this post AFFORDABLE BANKRUPTCY - AFFORDABLE PAYMENT PLANS (Bradenton) hide this posting unhide

license info: Florida Bar

Thinking of filing Chap. 7 or 13 bankruptcy? Get a lawyer to guide you through the process.

That person is me, Walter Sowa, III. Call me at 941-840-0820 or visit

Phone ringing off the hook with collectors? Collection mail every day? Waiting in fear of a lawsuit around the corner? Wages being garnished or about to be garnished? House in foreclosure?

I can help! Often, in a few months you can get rid of all your debts (or most) and start on a new path to financial freedom.

Unlike non-lawyer preparers, I'm a licensed attorney and will work to make your dischargeable debts discharged. Non-lawyers can't go to court with you, or negotiate with creditors.

Be very careful. Many people who thought they had a deal using a "preparer" could end up losing cars, houses, bank accounts, tax refunds and injury settlements they could have kept if they had a real attorney who knew how to handle these situations. Do not fall for the ads where non-lawyers claim "We can do your bankruptcy papers for $ 75 (or $140 or $375)." You're going to get what you pay for, and you could likely have problems.

With preparers, who is going to negotiate your Chapter 7 reaffirmations (you have to appear in front of the judge since you have no attorney to sign off on them), amend your plan when there are objections, or file your motions to strip and set aside liens (without those extras. your bankruptcy will leave liens against you)? When the US Trustee complains about your Chapter 7 case or petition, and this can happen in preparer cases, you will be going alone to an objection hearing. The preparer will leave you high and dry and defenseless. A pro se litigant could lose a car, home, money, retirement plan, tax refund or other asset that a lawyer would have helped them keep. And, many of the preparers won't even tell you their last names in ads!

Contrary to what some prepares may say, you could face a judge in your bankruptcy in many situations, and you may have ongoing dealings with creditors and the Trustee which an attorney will handle for you. And regardless, your Bankruptcy Trustee can be very harsh on your mistakes when you show up without a lawyer.

Get a real lawyer. Yes it costs a few hundred dollars more, but it matters. Would you hire a barber to perform an operation for you? Of course not. So why hire someone who couldn't go to law school to practice law?

I can go to court with you and know the law. I went to law school and college for 7 years, go back to school every year to stay up to date and know what I am doing, unlike your "paralegal." I'll also be available to personally advise you on rebuilding your credit and completing your case during the 4-6 months your Chapter 7 lasts and for the 3-5 years your Chapter 13 lasts (unlike your preparer who will disappear on the very first day of your case).

I'm Walter Sowa, and I'd like to be your bankruptcy lawyer.

My fees are reasonable, and I will work for you to help you get out of your debt crisis and on the road to recovery.

Fees for a Chapter 7 Bankruptcy are fairly inexpensive. Chapter 7 Attorney fees start at $1200 for an individual with a below medium income (and add $50 for a joint filing with your spouse), plus filing fee. Payment plans are available.

Chapter 7 Bankruptcy may:

Eliminate most debts,
Stop lawsuits and garnishments,
Halt foreclosures,
Stop collection calls,
Give you a fresh start.

Our office also can handle Chapter 13 Bankruptcy cases, in which you repay debts over time. A Chapter 13 may:

Prevent foreclosures,
Stop lawsuits,
Stop garnishments and collection efforts.

Call me at 941-840-0820 or visit

  • do NOT contact me with unsolicited services or offers

post id: 6939290065



best of [?]