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PROBATE  REPRESENTATION Throughout Florida 

CHAPTER 7 

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Chapter 7 bankruptcy, also known as straight bankruptcy, is usually what most people think of when they hear the word bankruptcy.
 

  • Chapter 7 is the simplest form of bankruptcy.

  • Filing bankruptcy under Chapter 7 wipes out most of your unsecured debts.  

  • The Bankruptcy Code lets you keep property up to a certain dollar value through a series of state or federal exemptions.  

  • Any non-exempt property must be surrendered to a court appointed trustee who will sell such property for the benefit of your creditors. In reality, the vast majority of those who file never have to surrender any property since most property is covered by exemptions.

  • After filing your bankruptcy petition, you must attend a hearing before a judge or court appointed trustee.  If there are no objections, all of your unsecured debts are eliminated and you can begin to make a "Fresh Start".

In order to qualify for Chapter 7, you must complete a process called the Means Test. Although the test is a complicated process involving income and expense analysis, most people pass and are able to file bankruptcy. The hardest part of the test for most people is gathering up all of the information needed to perform the analysis. You will also need to complete a Credit Counselling course online or by telephone at and additional cost.     
 

                          AFFORDABLE CHAPTER 7 BANKRUPTCY

Call Attorney Steve Rei

at 800-273-3731.

                         Online, Telephone or In-Person Consultations Available.

 
If you’re ready make a fresh start in life contact Attorney Steve Rei to start your bankruptcy case - he is ready to help. Give us a call at 800-273-3731 today to speak with a bankruptcy attorney and get started on your case.

                                                                                                                                                                     

The Law Office of Attorney Stephen Rei is a debt relief agency helping people to file for bankruptcy protection under the United States Bankruptcy Code. The information presented on this website is for debtor education only.  No attorney-client relationship is created until you have consulted with our attorneys and signed a fee agreement.  If you have any questions, please contact our office directly for a free consultation.

CHAPTER 13

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Chapter 13 is often called Individual Reorganization.

Under Chapter 13 you must submit a repayment plan in which you must pay all or part of your debts for a period from three to five years.
 
In your Chapter 13 plan, you submit a debt repayment plan to the court appointed Chapter 13 Trustee for approval.
 
All of your creditors are paid some portion of the balance you owe them.
 
An approved Chapter 13 plan stops your creditors from taking action to collect what you owe provided that you keep making your plan payments.
 
To be approved, your Chapter 13 plan will require you to live a frugal life and pay your discretionary income to the Trustee for a period of 3 to 5 years.  
 
A reasonable budget plan will be needed for your plan to succeed.
 
Your Chapter 13 plan must pass two tests:
 

  • The BEST INTERESTS TEST -mandates that unsecured creditors be paid at least as much as they would receive if you filed a Chapter 7 instead of a Chapter 13.

  • The BEST EFFORTS TEST - requires that you pay all your disposable income (the amount left over after paying reasonable living expenses) to the trustee for at least the first 36 months of your plan.

If your monthly income is more than the median for your state, allowable expenses will be based on IRS standards for the area.  
 
If your income exceeds these IRS levels for your state, your Chapter 13 plan must run for five years.
 
If your income is below these IRS levels for your state, your Chapter 13 plan will be for a period of at least three years.                                                                                                      

When you complete payments under your Chapter 13 plan you’re done !

Any balance not paid to your creditors is discharged.  Your creditors will be happy since they received some of what you owed them and your credit score should be better than if you filed Chapter 7.

Call Attorney Steve Rei

800-273-3731

FREE Online, Telephone or In-Person Consultations Available.

 

If you’re ready make a fresh start in life contact Attorney Steve Rei about bankruptcy - he is ready to help. Give us a call at 800-273-3731 today to speak with a bankruptcy attorney and get started on your case.

 

The Law Office of Attorney Stephen Rei is a debt relief agency helping people to file for bankruptcy protection under the United States Bankruptcy Code. The information presented on this website is for debtor education only.  No attorney-client relationship is created until you have consulted with our attorneys and signed a fee agreement.  If you have any questions, please contact our office directly for a free consultation

FAQs

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1. Will I ever get credit again ?  

Yes - in fact most people get new credit within one year of their bankruptcy discharge.

2. How will bankruptcy affect my credit?

Bankruptcy could affect your credit for up to seven years after filing. However, if you establish new credit and pay all of your bills on time your credit score should increase with each passing year.

3. Will l I ever be able to buy a house or a car again ?

Yes - if you have a steady income you will be able to buy a car within a very short time after your bankruptcy discharge. Getting a mortgage, however, will probably take three years or more.

4. Will I lose all of my property ?

No.  The bankruptcy code gives every debtor exemptions that allow you to keep various kinds of property up to a certain value. These exemptions will be covered in detail during your initial consultation.

5. Can I file bankruptcy without a lawyer ?

Yes - we live in a free country.  However, sections of the bankruptcy code are complex and not easily understood. There is a great deal of advice available on the internet - some of it good, some of it bad. An experienced bankruptcy lawyer will ensure that you get all of the relief to which you are entitled under bankruptcy law.

 

                                 AFFORDABLE CHAPTER 7 BANKRUPTCY

                     Call Attorney Steve Rei at 800-273-3731.

                 Online, Telephone or In-Person Consultations Available.

 

If you’re ready make a fresh start contact Attorney Steve Rei to get your bankruptcy case started - he is ready to help. Give us a call at 800-273-3731 to speak with a bankruptcy attorney and get ready to move on with your life.

 

The Law Office of Attorney Stephen Rei is a debt relief agency helping people to file for bankruptcy protection under the United States Bankruptcy Code. The information presented on this website is for debtor education only.  No attorney-client relationship is created until you have consulted with our attorneys and a fee agreement is signed.  If you have any questions, please contact our office directly for a free consultation

Why Choose Us

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Here at the Law Office of Attorney Steve Rei, we understand that your legal situation has already caused you enough stress. That’s why we have tailored our services to make a complicated and sometimes daunting process more tolerable for our clients. 

Filing for bankruptcy or probating the estate of a deceased loved one is a complex, life-changing decision. Our years of experience will help guide you through this difficult process to a point where you can get on with your life.

 

To make your case as stress-free as possible, our highly trained staff will assist you in the following ways:

We keep you informed and involved every step of the way - You shouldn’t have to wait to hear from your attorney or constantly have to request updates. We take on the groundwork for your bankruptcy case so that you can focus your time and energy on other things.

We complete all the paperwork - Bankruptcy and Probate cases are driven by documentation – lots of it. We will handle every piece of documentation required by the Courts.  We know exactly what the court needs and how they want to see it, from start to finish.

We attend all of your court hearings - Depending on how complex your case is, you may have to attend several court hearings. We have the resources to attend every hearing. In many instances, we can handle most proceedings without you needing to be present.

 

                AFFORDABLE BANKRUPTCY AND PROBATE REPRESENTATION

                     Call Attorney Steve Rei @ 800-273-3731

                 Online, Telephone or In-Person Consultations Available.

 

 

 

The Law Office of Stephen A. Rei is a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.  Disclaimer: This website contains general information about bankruptcy. It is highly recommended that individuals with debt problems seek the advice of an attorney. The information on this website is not intended to be legal advice and is given for general knowledge only.

Bankruptcy

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Only $1498.00

For Most Individuals & Couples

Includes all Costs and Fees

     

 Call Attorney Steve Rei

 800-273-3731

FREE Online, Telephone or In-Person

Consultations Available.

When facing financial difficulties most people have several bankruptcy options available depending on how much they owe, what assets they have and their income level. Call Atty Steve Rei at 800-273-3731 today. Online and In-Person Appointments Available.

Click either Chapter 7 or Chapter 13 under the Filing Options above for more information.

COST TO FILE

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Only $1498.00

For Most Individuals & Couples

Including all Costs and Fees

     

 Call Attorney Steve Rei

 800-273-3731

FREE Online, Telephone or In-Person

Consultations Available.

 

*** If your case is more complex, professional fees can run anywhere from $2,000. to $5,000 for those who are millions of dollars in debt or business owners or if you have a unique situation like tax problems or criminal cases. For most individuals, professional fees are less than $5,000. For those with a business, professional fees are usually less than $10,000. Regardless of your level of debt, the Law Office of Stephen A. Rei will do everything possible to keep our professional fees to a minimum while providing zealous representation of your interests.

COSTS

Other costs vary depending upon which type of bankruptcy that you file. Chapter 7 bankruptcies typically have the lowest costs. Chapter 13 bankruptcies have slightly higher costs. Chapter 11 bankruptcies, because of their many complexities have the highest costs.  Costs include court filing fees, credit report fees, tax document fees, title search fees and lien search fees as determined by the needs of each individual filer.

 

The Law Office of Attorney Stephen Rei is a debt relief agency helping people to file for bankruptcy protection under the United States Bankruptcy Code. The information presented on this website is for debtor education only.  No attorney-client relationship is created until you have consulted with our attorneys and a fee agreement is signed.  If you have any questions, please contact our office directly for a free consultation

 

PROBATE

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Probate lawyer, Stephen Rei, understands the many unique legal requirements and often emotional considerations of dealing with a loved one’s estate.

What is Probate?

 

Probate is the process through which a deceased persons assets are transferred

after the property owner’s death. A lot of people try to choose an estate plan that

avoids the costly expense of the probate process, but nevertheless, most, but not all,

estates will go through some sort of probate process. It may be the more simplified,

Summary Administration, or the more complex Formal Administration, or sometimes

with minimal assets, a Disposition Without Administration is more appropriate.

 

The legally complex, and sometimes expensive, legal process of probating an estate

involves the gathering and distribution of assets, as well as the paying off debts of the decedent according to the Law, the Will or Estate Plan. Without a Will or Estate plan,

probate will still take place and a personal representative will be appointed by the

court.

Generally,  the personal representative also known as the Executor or Executrix,

carries out these tasks while an experienced probate attorney carries out the legal

tasks of probate. A probate lawyer by your side will be used to complete the forms,

process, and costs of the probate process. While the personal representative, who

is usually a family member or close family friend, is dealing with the sometimes

overwhelming emotional effects of planning funerals, dealing with distraught family

members, all while trying to work and take care of his/her own family; he or she may

also trying to navigate the complicated legal process of probate, which if done wrong

can have disastrous consequences.

At the Law Office of Stephen A. Rei we strive to provide exceptional service to our clients no matter how complex or straightforward the situation. We understand that a comprehensive estate plan is the most efficient way to ensure your wishes are met. This process affords a certain level of power to individuals who would like to determine who gets what when.

Answering Your Questions About Estate Planning and Probate

While headquartered in Venice, Florida, our firm represents clients in surrounding communities and throughout Florida and Massachusetts. We   can provide the legal advice and representation you need in a wide range of practice areas, including:

  • Preparation of wills: We assist clients in the preparation of wills, simple estate plans, powers of attorney and health care proxies.
  • Settlement of estates: We provide legal representation for estates from the time of death through the distribution of assets and conclusion of the probate process.
  • Probate: We represent clients as they navigate the probate process following the death of a loved one. This process can include notifying heirs, verifying the will or trust, distributing property and settling the deceased's debts.

Whether you need a lawyer for estate planning or you need a probate attorney, contact our firm. We will thoroughly examine your situation and develop a plan that accomplishes all of your goals.

If you have further questions regarding the drafting of wills, trusts or the probate process, please contact the Law Office of Stephen A. Rei at           800-273-3731 or send an email to: steverei@gmail.com.

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Why Bankruptcy ?

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Financial difficulties can happen to anyone, young, old, rich or poor. Medical issues, unemployment, family problems, business mishaps or numerous other unexpected circumstances can cause your life to spiral out of control. Unfortunately, when things go bad it seems like your life is all downhill.  Suddenly, you find yourself under water financially and it can seem like you're drowning in debt and living in a constant state of stress and anxiety.

Fortunately, our government created Chapter 7 bankruptcy to offer a fresh start to people who find themselves buried in credit card debt, medical bills and financial obligations. By choosing to file bankruptcy, most of those debts can be discharged, which means that you’re no longer legally obligated to pay them. Once you file, your creditors and debt collectors can’t contact you about your bills or report late of missed payments to the credit bureaus. 

Bankruptcy can discharge most common types of debt including:

  • credit cards
  • medical bills
  • past-due rent and utilities
  • repossessed vehicles
  • most legal money judgments

Get a Fresh Start In Life !

At the Law Office of Attorney Steve Rei we will take whatever time is necessary to analyze your personal financial situation and recommend the best solutions for your individual circumstances. If, after learning the facts about personal Bankruptcy, you decide to file we will be with you every step of the way. 

 

The Law Office of Attorney Stephen Rei is a debt relief agency helping people to file for bankruptcy protection under the United States Bankruptcy Code. The information presented on this website is for debtor education only.  No attorney-client relationship is created until you have consulted with our attorneys and a fee agreement is signed.  If you have any questions, please contact our office directly for a free consultation

Wills & Trusts

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Many individuals shy away from developing a comprehensive estate plan due to the unsettling nature of the topic. Considering how your assets are distributed after you pass away can ultimately be a disturbing process. An experienced attorney, however, can guide you through with a combination of compassion and professionalism.

At the Law Office of Stephen A. Rei we strive to provide exceptional service to our clients no matter how complex or straightforward the situation. We understand that a comprehensive estate plan is the most efficient way to ensure your wishes are met. This process affords a certain level of power to individuals who would like to determine who gets what when.

Answering Your Questions About Estate Planning and Probate

While headquartered in Venice, Florida, our firm represents clients in surrounding communities and throughout Florida and Massachusetts. We   can provide the legal advice and representation you need in a wide range of Probate and Estate Planning practice areas.

WE HELP CLIENTS WITH PROBATE AND INHERITANCE ISSUES

Call Attorney Stephen Rei at 800-273-3731 for a FREE case evaluation.

Probate Costs

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How much does a Probate Lawyer cost in Florida?

Professional Fees

I charge a flat fee retainer for most probate and non-probate estates, probate attorney
fees could be less for estates with low assets, or more for probate estates with larger
and more numerous assets. Depending on the value of assets and the complexity of
the estate my average probate fees are as follows:
 
Summary Administration cases range from $1500 to $3500.;
 
Formal Administration professional fees average between $2,500 and $5,000.
 
Larger Estates We usually charge 3% or less, of the total value of the estate.
 
Please note these figures are only averages, your fees may be more depending
on the complexity of the case and the type of assets in the estate.
 
Call Attorney Stephen Rei at 800-273-3731 for a free case evaluation and more
accurate estimate of the anticipated probate costs for your case.
 
Probate Costs
 
In the state of Florida court filings fees and costs vary from county to county but usually
not significantly. 
 
Probate filing fees are usually in the range of $250.00 to $400.00.
 
Publication costs for required legal notices can run anywhere from $100.00 to $300.00
per notice depending upon the newspaper.
 
Notices by Certified Mail cost approximately $9.50 per notice.

 

WE HELP CLIENTS WITH PROBATE AND INHERITANCE ISSUES

Call Attorney Stephen Rei at 800-273-3731 for a FREE case evaluation.

 

Types of Probate

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Disposition Without Administration for Smaller Estates

 

Disposition Without Administration is the least complicated and most cost effective way of

processing an estate. The governing Fl Statute 735.301, contains strict requirements. Real

property is not included in this process and must be transferred through one of the other forms of probate administration listed below.

 

Also, the value of the assets must not exceed the value of final expenses, such as, funeral

expenses, and recent medical costs, but there are some assets that are exempt from this

requirement. Exempt assets include $20,000 of household furniture, two motor vehicles used as the decedent’s personal motor vehicles, and qualified tuition programs under the IRS Code.

 

Receipts must be gathered and submitted as proof of payment. The purpose of this informal process is designed to transfer assets of the deceased to the person who paid for funeral expenses and final medical costs. This is the only type of administration that can be done without a probate attorney, however a probate attorney can also assist you in this process for a nominal fee.

 

Summary Administration

 

Summary Administration is a simplified and is quicker administration is for estates under $75,000 (not including homestead or exempt property), or when the decedent has been dead for more than two years. Summary administration will avoid the appointment of a personal representative. 

 

A Petition for Summary Administration is submitted to the proper court asking to distribute the assets according to the law or per the Will. If the petition is granted the court will issue an Order of Summary Administration, allowing assets to be distributed to the correct beneficiaries. A probate lawyer will be able to file the probate petition and expedite the process for you.

 
 

Formal Administration

 
This is the more complex and lengthy type of probate administration that is required if the estate not including exempt assets is greater than $75,000. A probate lawyer must be used in formal probate administration, also a personal representative must be appointed by the court regardless of what the Will states.
 
A probate attorney will prepare the documents and file with the correct court, and assist and advise the personal representative on how to publish the Notice to Creditors required by statute, asses the determination of homestead if appropriate, distribute assets to beneficiaries after creditors have been satisfied, prepare final tax returns, sale of property, obtain the execution of all documents by all beneficiaries, and final closing of the estate.
 
A Personal Representative is the only person that has standing to defend an estate involving litigation, a probate lawyer will act as the attorney that represents the Personal Representative against all others.
 
Ancillary Probate 
 
Ancillary Probate is a little more complicated process and is for out of State residents to be able to settle a probate estate of property located in Florida.

WE HELP CLIENTS WITH PROBATE AND INHERITANCE ISSUES

Call Attorney Stephen Rei at 800-273-3731 for a FREE case evaluation.

 

What is Probate ?

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What is Probate?

Probate is the legal process through which a deceased persons assets are transferred after the property owner’s death. A lot of people try to choose an estate plan that avoids the costly expense of the probate process, but nevertheless, most, but not all, estates   

will go through some sort of probate process. It may be the more simplified, Summary Administration, or the more complex Formal Administration, or sometimes with minimal assets, a Disposition Without Administration is more appropriate.

 

The legally complex, and sometimes expensive, legal process of probating an estate involves the gathering and distribution of assets, as well as the paying off the decedent's debts according to the Law, the Will, if there is one, or the Estate Plan. Without a Will or Estate plan, probate will still take place and a Personal Representative, also known as an Executor or Executrix, will be appointed by the court.

 

Generally, the Personal Representative carries out the administrative tasks while the probate attorney retained carries out the legal tasks of probate. A probate lawyer is retained to complete the forms, legal process, and cost associated with the probate process. While the personal representative, who is usually a family member or close

family friend, is dealing with the overwhelming emotions of planning funerals, dealing

with distraught family members, all while trying to work and take care of his/her own

family; he or she is also trying to navigate the complicated legal process of probate,

which if done wrong can have disastrous consequences.

 

WE HELP CLIENTS WITH PROBATE AND INHERITANCE ISSUES

Call Attorney Stephen Rei at 800-273-3731 for a FREE case evaluation.

Contact 

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205 W. Venice Ave, Suite 204

Venice, FL 34285

Phone: 800-273-3731

Fax: 888-892-2575

Email: steverei@gmail.com

www.attysteverei.com

Contact Attorney Steve Rei




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