Ferderer & Shumard PA

read moreMost people believe that Bankruptcy is a bad thing. Some people even think it is illegal. In fact, Bankruptcy is a good thing that helps many people through very difficult times such as when someone loses a job, becomes ill, or when a loved one passes away. Bankruptcy is even available for businesses that either need to reorganize their debt to become more efficient, or need to shut down because they are failing. Bankruptcy is a tool that the federal government has provided to give individuals the ability to take control of their debts and take care of themselves and their families.

read moreFocusing on Bankruptcy Law, Anderson & Ferrin Attorneys at Law, P.A provide Florida residents with cost-effective representation in matters related to chapter 7, chapter 13, debt restructuring, repossessions, foreclosures, judgments and tax debts. We give clients our personal attention and seek timely resolutions for our clients' legal problems. We help clients who are unable to pay off their debts file for a Chapter 7 bankruptcy. This section of the Bankruptcy Code is best suited for clients with few assets and unsecured debts.

read moreVictoria Lyn Anderson primarily practices in the areas of domestic and family law, criminal law, and bankruptcy. Ms. Anderson's experience in these areas of law has given her a unique ability to not only achieve results but to assist clients though difficult, complicated and sometimes incredibly emotional events. Ms. Anderson has been a resident of central Florida for over 25 years. She received her Bachelors in Political Science from the University of Central Florida and a Juris Doctorate from Barry University School of Law.

read moreFinancial crisis can often blind side individuals. No matter how much money you may have or how much you prepare and plan for your future, unexpected events can occur that can turn your life upside down. Below we have compiled just some warning signs that you may be facing a financial crisis. Of course there are many other warning signs that you may be noticing in your life. Make sure that you are not ignoring them and make the decision to come and speak with us to discuss your options. You may be surprised with some of the results a bankruptcy could provide you.

read moreThis Web site is not intended to constitute legal advice or the provision of legal services. Material presented on the Law Office of Anderson & Ferrin Web site is intended for informational purposes only. By posting and/or maintaining this Web site and its contents, the Law Office of Anderson & Ferrin does not intend to solicit legal business from clients located in states or jurisdictions where Michael Ferrin and Victoria Anderson or any individual attorney in their firm is not licensed or authorized to practice law.

read moreWhat is Foreclosure? Foreclosure is the legal process by which a lender repossesses or takes ownership of a property. A foreclosure normally occurs after an individual has become delinquent on their mortgage payments and default s on their mortgage. Once an individual defaults, the lender is able to file a foreclosure in an attempt to clear the properties title and allow the lender to receive clear marketable title to the property. On average a foreclosure can take several months if not years and once served it is important for individuals to retain counsel as soon as possible to make sure that your rights are protected.

read moreChapter 7 bankruptcy is the most commonly filed bankruptcy and is usually referred to as a liquidation bankruptcy. Although commonly filed, an individual seeking to file a chapter 7 bankruptcy must qualify through the use of the means test. If your income meets or falls below the guideline amounts provided in the means test you may qualify for a chapter 7 Bankruptcy. Although the latter is generally the case there are instances where individuals can still file chapter 7 even though they may exceed the allowed income level to file chapter 7. Orlando Bankruptcy attorneys Michael Ferrin and Victoria Anderson have extensive experience in this area that they will put to work for you to obtain the best outcome for you, your family, or your business.

read moreIf you are being sued by creditors and collectors, filing bankruptcy may put a stop or completely end the lawsuit. When a bankruptcy is filed, an automatic stay is automatic put into effect preventing creditors and collectors from proceeding with lawsuits to collect debts, garnishments, or repossessions. The bankruptcy's automatic stay is much like a restraining order by the court that stops creditors from attempting to collect debt. Phone calls and visits would be halted and garnishments stopped.