Melbourne, Florida Bankruptcy & Foreclosure Attorneys
Serving Melbourne, Palm Bay and all of Brevard
Welcome to the Bowin Law Group website. If you're reading this, you're probably facing serious financial pressures and are looking for some help. That's why I founded the Bowin Law Group, Brevard's Hometown Bankruptcy and Foreclosure Attorneys.
My name is Beau Bowin. I was born and raised in Melbourne, FL. After clerking for a federal bankruptcy judge in West Palm Beach, FL, and working for some of the largest corporate bankruptcy firms in Florida, I chose to start my own consumer firm in Brevard County in 2009.
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I was led to foreclosure defense and Chapter 7 bankruptcy by a family member who was struggling with crushing debt and the foreclosure of their home. After seeing how hard it was for regular people to afford an attorney, I chose to dedicate my practice to ensuring people already struggling with debt have access to legal representation, whether they need to file a Chapter 7 bankruptcy, or need someone to fight their foreclosure and save their home. Since then, I was selected by my peers as a Rising Star in Florida Super Lawyers Magazine for 2010, 2011, 2013 and 2014, a preeminent national attorney ranking published by Thomson Reuters. The Rising Stars designation is an honor reserved for only 2% of practicing attorneys in the nation. I am one of the only bankruptcy and foreclosure attorneys in Melbourne, FL and all of Brevard County to earn such a distinction. I also received a 10 out of 10 rating by AVVO, which is one of the largest online legal directories in the nation.
My biggest honor, however, has been representing thousands of families throughout Brevard County in their time of need, from Melbourne and Palm Bay to Cocoa and Titusville, to Viera, Rockledge, and the Beaches. No other foreclosure attorney has won more foreclosure cases for Brevard County families since 2009 than Bowin Law Group. We fight to win, whether that's a dismissal at trial, a reversal on appeal, or through a mortgage modification to lower your payments. We've also discharged millions of dollars in debt for our clients through Chapter 7 bankruptcy. And we do it all for a flat rate fee that your family can afford.
If you're struggling with debt, facing relentless creditor harassment, or are facing a foreclosure on your home, I invite you to call us today to schedule a Free Phone Consultation at (321) 821-7440. Or click the blue button below to calendar a Free Phone Consultation at your convenience.
We are Brevard's Hometown Law Group, serving Satellite Beach, Melbourne, Palm Bay, Titusville, Cocoa, Rockledge, Merritt Island, Cape Canaveral, and all of Brevard County.
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You CAN beat the banks in foreclosure court and save your home.
Our foreclosure attorney has had great success in defeating the banks and stopping the foreclosure of our clients' homes (unlike other foreclosure attorneys who only seek to settle with the least amount of work). Winning a foreclosure case takes specialized knowledge of the mortgage banking system and the applicable foreclosure laws in the state of Florida. Winning a foreclosure case also requires a working knowledge and understanding of the foreclosure judges you will be appearing in front of. Each foreclosure judge is different, and so must your defense change depending on your judge. Unless your attorney specializes in foreclosure defense in Brevard County, your attorney will not have this critical knowledge. It's imperative that you contact our foreclosure defense attorney to defend your foreclosure. Call us at (321) 821-7440 to schedule a Free Phone Consultation.
In your initial consult, we will review your case to determine if and how we can win your case. Our foreclosure attorney is ready to fight your foreclosure case, at trial if necessary, and do whatever is possible to save your home. In some cases, the banks offer our clients a modification of their mortgage. In other cases, our clients would rather leave the home and wipe their debt clean with the bank. If neither of those two options is available or desirable, we are ready to fight the banks all the way through trial. Best of all, if we win your case, the bank will likely have to pay your legal fees.
If you are not concerned with keeping your home, but prefer to vacate your home free and clear of your financial obligations to the bank, we have options for that as well, including short-sale, strategic default and deed-in-lieu of foreclosure. We offer free consultations to all Brevard County Residents.
Stop your home foreclosure through foreclosure defense or bankruptcy.
If you are faced with a foreclosure on your home mortgage, you have options that may allow you to stay in your home even if you are behind on your payments. Sometimes your best option is a Chapter 13 bankruptcy. Sometimes you are better off fighting the foreclosure without filing bankruptcy. You need an attorney knowledgeable in both bankruptcy and foreclosure defense to help you determine which option is best for you. If you live in Melbourne or Palm Bay, Florida and are being harassed by creditors, your wages are being garnished, or you are considering bankruptcy, call us today to speak directly with a Melbourne Florida Bankruptcy Attorney to discuss whether a bankruptcy is right for you and your family.
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The bankruptcy attorney at the Bowin Law Group is experienced in foreclosure defense, both in and out of bankruptcy court, and will give you candid, honest advice regarding the option that is best for you and your family. The worst thing to do when faced with foreclosure is nothing. Time is critical to saving your home.
If your lender is threatening to foreclose, or your credit card companies and debt collectors are harassing you and your family, contact us immediately to speak with a Melbourne foreclosure defense and bankruptcy lawyer. Your home is your most precious asset. The Bowin Law Group and its experienced attorneys will help you protect it. We may be able to even recover money from your lender.
What can bankruptcy do for you?
The Automatic Stay: By filing a bankruptcy petition, either Chapter 7 or Chapter 13, you get the immediate protection of the Bankruptcy Code's Automatic Stay, which prevents a creditor from taking any action to collect a debt from a bankruptcy debtor. The imposition of the Automatic Stay is a powerful and dramatic legal remedy you have to stop creditor harassment or creditors' attempts to collect debts. The Automatic Stay takes effect the instant the bankruptcy petition is filed, and from that moment the debtor's property is placed under the protection of the Bankruptcy Court. Creditors that attempt to collect a debt after the petition is filed are subject to sanctions by the Bankruptcy Court.
Some of the actions creditors and debt collectors are prohibited from taking once the petition is filed include:
- Any act to collect or recover a claim against you that arose before the bankruptcy case was filed;
- The continuation of a civil lawsuit against you by which the creditor seeks to recover money from you (i.e. suits to collect credit card debts or to garnish your bank accounts or wages);
- Any foreclosure actions; and
- Any actions to repossess your cars or other automobiles and personal property.
Once you file your petition, creditors and debt collectors are not allowed to contact you, either by mail, by phone, in person or through any third parties. If a creditor reports a debt to a credit bureau with an intent to coerce you into paying that debt, the creditor may be subject to monetary sanctions by the Bankruptcy Court, which are payable to you.
To get more information on the effect of the Automatic Stay, contact a Melbourne-Palm Bay-Cocoa Beach area Bankruptcy Attorney at the Bowin Law Group.
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Discharge of Debts: The ultimate goal of filing a bankruptcy petition is to receive a discharge of your debts. A bankruptcy discharge frees a debtor from personal liability on almost all civil debts. The bankruptcy discharge is the mechanism by which debtors are provided a "fresh start."
In a chapter 7 bankruptcy, the method of obtaining a bankruptcy discharge is pretty straight forward. Absent extraordinary circumstances, the Bankruptcy Court usually enters a discharge order within 90 - 120 days after the bankruptcy case is filed. In a chapter 13 bankruptcy, the debtor will likely not receive a discharge for 3-5 years.
An experienced bankruptcy attorney in the Melbourne-Palm Bay-Cocoa Beach area can help you obtain a bankruptcy discharge with as little difficulty as possible..
Frequently Asked Questions (FAQs) for Bankruptcy and Foreclosure Defense in Melbourne, FL
1. What does a bankruptcy attorney in Melbourne, FL do?
A bankruptcy attorney in Melbourne, FL specializes in helping individuals and businesses navigate financial distress through legal options like Chapter 7 or Chapter 13 bankruptcy. They provide guidance on debt relief, asset protection, and creditor negotiations. Bowin Law Group serves all of Brevard County, offering personalized consultations to residents facing overwhelming debt. If you're searching for a "Melbourne FL bankruptcy attorney," contact us today for to schedule a Free Consultation at (321) 821-7440.
2. How can a foreclosure defense lawyer in Brevard County help stop my Melbourne, FL home from being foreclosed?
A Melbourne FL, foreclosure defense lawyer in Brevard County can challenge the lender's claims, negotiate loan modifications, or file for bankruptcy to trigger an automatic stay that halts foreclosure proceedings. With extensive experience in Florida foreclosure laws, we help homeowners in Melbourne and surrounding areas like Palm Bay and Titusville protect their properties. If you're dealing with foreclosure threats, our team provides aggressive defense tailored to Brevard County courts.
3. Am I eligible for Chapter 7 bankruptcy in Melbourne, FL?
Eligibility for Chapter 7 bankruptcy in Melbourne, FL depends on your income, expenses, and passing the means test under Florida law. It's ideal for those with limited assets seeking a fresh start by discharging unsecured debts like credit cards. As a leading "bankruptcy attorney in Brevard County," we evaluate your situation during a free initial consultation to determine if Chapter 7 is right for you and guide you through the process. Visit out Blog for more information on the Chapter 7 Means Test.
4. What is Chapter 13 bankruptcy and how does it work in Brevard County?
Chapter 13 bankruptcy in Brevard County allows you to reorganize debts into a 3-5 year repayment plan while keeping your assets, such as your home or car. It's suitable for individuals with steady income facing foreclosure or repossession. Our Melbourne-based firm helps clients across Brevard County structure affordable plans approved by local courts, providing relief from harassing creditors.
5. Can filing for bankruptcy stop foreclosure in Melbourne, FL?
Yes, filing for bankruptcy in Melbourne, FL can immediately stop foreclosure through an automatic stay, giving you time to catch up on payments or explore alternatives. This is especially effective in Chapter 13 cases. Serving all of Brevard County, our foreclosure defense attorneys have successfully helped numerous clients avoid losing their homes. Search for “foreclosure defense in Melbourne FL”, then call us for a Free Consultation at (321) 821-7440.
6. How long does the bankruptcy process take in Florida?
The bankruptcy process in Florida typically takes 3-4 months for Chapter 7 and 3-5 years for Chapter 13, depending on your case complexity. In Brevard County, our experienced bankruptcy attorneys streamlines the process, from filing to discharge, ensuring minimal delays for clients throughout the county.
7. What are the costs of hiring a bankruptcy lawyer in Brevard County?
Costs for a bankruptcy lawyer in Brevard County vary by case type—Chapter 7 often ranges from $1,500-$2,500 in attorney fees, plus filing fees around $338. Chapter 13 may involve higher fees paid through your repayment plan. We offer transparent pricing and flexible payment options for Melbourne residents and those across Brevard County, making quality legal help accessible.
8. Will filing for bankruptcy ruin my credit score forever in Melbourne, FL?
No. Many clients rebuild credit within 1-2 years by establishing positive habits. As a trusted "Brevard County bankruptcy attorney," we provide post-bankruptcy advice to help you recover financially, including credit repair strategies tailored to Florida residents. Visit out Blog to learn more about how bankruptcy may actually improve your credit score.
9. What assets can I keep when filing for bankruptcy in Florida?
In Brevard County bankruptcy cases, Florida exemptions allow you to keep essential assets like your homestead, vehicles up to $5,000 equity, and retirement accounts. Our attorneys in Melbourne ensure maximum asset protection, reviewing your situation to safeguard what's important while discharging eligible debts. Visit our Blog to learn more about your property exemptions and what property you can protect in your bankruptcy.
10. Why choose a local attorney for bankruptcy and foreclosure defense in Melbourne, FL?
Choosing a local attorney for bankruptcy and foreclosure defense in Melbourne, FL ensures familiarity with Brevard County courts, judges, and Florida-specific laws. Our firm serves the entire county, from Viera to Cocoa, with a track record of successful outcomes. If you're looking for a "foreclosure defense attorney in Brevard County," our dedicated team offers compassionate, results-driven representation.
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What debt relief options do you have if bankruptcy isn't right for you?
If bankruptcy isn't a good option for you, either because you make too much money and don't qualify for Chapter 7, or because you will lose a lot of property you have worked hard to accumulate, there may be other debt relief solutions for you. One option is to hire an experienced Melbourne debt relief attorney to negotiate a debt reduction with your credit card companies, debt collectors and other creditors. Although the relief you get by negotiating a debt reduction may not be as comprehensive as a bankruptcy discharge, it may be enough to allow you to pay your debts and provide you the peace of mind you are looking for. If you would like to speak with a debt relief lawyer in the Melbourne-Palm Bay-Cocoa Beach area, call the Bowin Law Group to schedule a Free Consultation to discuss your options.
Legal services you can afford. The Bowin Law Group is sensitive to your family's financial challenges. That is why we offer reasonable fees and affordable payment plan options to our clients. With our attorneys on your side, your family will receive the highest caliber representation at a price you and your family can afford.
Contact us today for a free office consultation with a bankruptcy and foreclosure defense lawyer in Melbourne, Florida. Or, just fill out our Free Case Evaluation form and someone from our office will contact you to discuss your legal options.
