Overwhelmed by debt and seeking a solution, our client turned to Florida Rural Legal Services, Inc. (FRLS) for assistance with filing for bankruptcy. Bankruptcy gives individuals a fresh financial start while ensuring the fair treatment of loan providers and creditors. Our client accumulated a considerable debt of $153,653.50, spread across student loans, car payments, and various other expenses.
Earning an insufficient salary that cannot maintain loan payments, her options were dwindling, prompting her to seek out assistance from FRLS. FRLS is a non-profit law firm that provides free civil legal aid to qualified individuals, families, and vulnerable communities across 13 Florida counties and to farmworkers statewide.
During the process, she was informed that some of her debts including her car loan and student loans would not be forgiven. If our client wanted to seek student loan forgiveness, she would have to prove significant hardship. Unable to prove this hardship, FRLS worked hard to financial help the client in other ways.
FRLS took additional measures to ensure that the client was able to get her car loan reaffirmed. By reaffirming, she is now able to make affordable payments on her car and retain her vehicle. FRLS was also able to negotiate the discharge of $69,589.50 from her outstanding debt. In addition, FRLS helped her obtain an Order of Discharge, confirming that she is no longer liable for the original debt amount of $153,653.50.
Managing substantial debt can be a source of significant stress, especially for everyday people who turned to sources of credit to provide for themselves and their families. For our client, we were able to ease some of this stress by helping her with Chapter 13 bankruptcy. At FRLS, we are dedicated to ensuring that individuals across Florida are aware of the financial and legal resources available to them.
If you or someone you know needs help filing for bankruptcy, we encourage you to reach out to FRLS to apply for free legal services at 1-888-528-4310.
About Florida Rural Legal Services (FRLS):
Florida Rural Legal Services, Inc. (FRLS) is a non-profit law firm that provides free civil legal aid to qualified individuals, families, and vulnerable communities across 13 Florida counties and to farmworkers statewide. Since 1966, FRLS has pursued justice by providing legal services in
housing law, family law, consumer protection, public benefits, elder law, disaster relief, education law, and more, all at no cost to our clients. FRLS collaborates with community organizations and Pro Bono attorneys to deliver quality advocacy, outreach, and education designed to protect the rights of those in need. For over 50 years, FRLS has been a steadfast advocate for justice. Learn more at www.FRLS.org.