Finding a Path Forward With Attorney Lewis Roberts in Altamonte Springs

Financial problems can affect much more than a bank account. Credit card balances, unpaid taxes, student loans, missed payments, or unexpected expenses can quickly create stress. When debt becomes difficult to manage, understanding the available legal options can help people make informed decisions about what comes next.

For people dealing with overwhelming debt, Orlando Bankruptcy Attorney Lewis Roberts provides legal guidance from his Altamonte Springs office. His practice focuses on bankruptcy, tax resolution, and student loan matters, helping clients address financial problems with advice based on their individual circumstances.

Experience Focused on Financial Problems

Attorney Lewis Roberts has more than 20 years of experience helping individuals navigate difficult financial situations. His practice is focused on debt-related legal matters, allowing him to concentrate on the challenges people face when bills, taxes, or loans become difficult to manage.

Roberts earned his law degree from Mercer Law School and has served as a four-time speaker for the National Association of Consumer Bankruptcy Attorneys. He also holds a Florida real estate broker license. His professional background provides experience with financial issues that can involve debt, property, and long-term financial planning.

Chapter 7 Bankruptcy and Debt Relief

Chapter 7 bankruptcy may be an option for individuals carrying substantial unsecured debt they cannot realistically repay. Depending on the circumstances, certain credit card balances, medical bills, personal loans, and other qualifying debts may be discharged through bankruptcy.

However, bankruptcy does not eliminate every financial obligation. Some tax debts, most student loans, child support, alimony, and other obligations may remain. Florida exemption laws can also affect which assets a person may protect. Roberts reviews a client’s financial circumstances to determine whether Chapter 7 may be an appropriate option and explains what the process could mean for the person’s debts and property.

Chapter 13 Bankruptcy Can Provide a Repayment Plan

Chapter 13 bankruptcy offers a different approach for eligible individuals with regular income. Instead of seeking a discharge of qualifying debts immediately, a person may repay certain obligations through a court-approved plan that generally lasts three to five years.

For someone behind on mortgage or vehicle payments, Chapter 13 may provide an opportunity to catch up while retaining important property. The process can also provide protection from certain creditor collection efforts. Roberts helps clients understand the differences between Chapter 7 and Chapter 13 so they can evaluate which option may better fit their financial situation.

Tax Resolution for Unpaid Tax Debt

Tax problems can become increasingly stressful when balances remain unpaid. Interest and penalties may increase the amount owed, while certain taxpayers may also face collection actions such as wage garnishments, bank levies, or tax liens.

At Lewis Roberts, PA, clients can receive guidance on potential solutions for resolving tax problems. Depending on the circumstances, options may include installment agreements, Offers in Compromise, tax settlements, or other approaches for addressing outstanding obligations. Roberts evaluates the client’s financial and tax situation before discussing potential strategies.

Understanding Student Loan Options

Student loan debt can be especially challenging because federal and private loans may be treated differently under the law. Bankruptcy generally does not automatically eliminate most student loans, but borrowers may have other options depending on the type of loan and their circumstances.

Roberts assists clients with issues involving federal and private student loans, repayment options, consolidation, defaults, wage garnishment, and potential bankruptcy relief. He has also handled a Chapter 7 matter involving a private student loan that was discharged because it did not qualify for the applicable student loan exception to discharge.

A Practical Approach to Debt Problems

When financial problems pile up, it can be difficult to know which issue should be addressed first. Understanding income, assets, debts, tax obligations, and loan types can provide a clearer picture of the choices available.

Roberts focuses his practice on bankruptcy, tax resolution, and student loan matters rather than trying to cover every area of law. This focused approach allows him to work with clients facing specific financial challenges and explain potential legal strategies in straightforward terms.

For residents of Altamonte Springs and the surrounding Orlando area, seeking legal guidance can be an important first step when debt becomes difficult to manage. Whether the concern involves Chapter 7, Chapter 13, unpaid taxes, or student loans, Attorney Lewis Roberts helps clients better understand their options and work toward a more manageable financial future.