Christian Panagakos is the Managing Partner of Florida Bankruptcy Advisors. Christian works primarily in the areas of Bankruptcy, Assignments for the Benefit of Creditors and Debt Restructuring.
Our clients are typically facing a difficult time in their lives. Listen to their needs, understand their challenges and offer legal alternatives that maximize their benefits under the law.
Offer free phone consultations to understand the client's challenges and to frame legal alternatives for client consideration. Carefully explain to each client what we can and cannot do for them.
Bankruptcy is not the best option for all people at all times. Explain potential risks and viable alternatives so that a client can make educated decisions.
We treat every client like family. Be responsive, knowledgeable and compassionate. Develop a sound legal strategy from the beginning and safely navigate the client through the process.
We value our relationships. We are grateful for the professionals, prospects and former clients that continue to keep us in mind for those in need of bankruptcy or loss mitigation services.
We offer fair and transparent pricing at a discount to general market pricing. The pricing is discounted, but the quality of services are not.
Christian Panagakos is the Managing Partner of Florida Bankruptcy Advisors. Christian works primarily in the areas of Bankruptcy, Assignments for the Benefit of Creditors and Debt Restructuring.
Brooke Panagakos is a Partner of Florida Bankruptcy Advisors. Brooke works primarily with clients in the areas of Foreclosure Defense and Loss Mitigation, including Loan Modifications, Short Sales and Deeds-in-Lieu of Foreclosure.
Available to lower income households. Process lasts about 3 months before obtaining a discharge. The Automatic Stay is imposed upon filing.
Allows for lien stripping and ``cramdowns`` Allows up to 5 years to make up arrears on secured property. Discharge of debt upon completion of plan.
Available to high-debt individuals and corporations with an aim towards restructuring. Plan length can vary and creditors vote on plan.
Defending the foreclosure is critical in buying a borrower time to pursue a loss mitigation strategy of loan modification, short sale or deed-in-lieu of foreclosure. A solid defense may also earn the borrower ``cash for key`` or quit title.
Mortgage modifications under HAMP typically include 40 year terms at interest rates as low as 2%. If a borrower is denied modification under HAMP, many lenders offer private modifications. The bankruptcy court also offers a modification program that is highly successful.
Avoiding a foreclosure through a short sale is much more benefisial for a borrower's credit. In addition, lenders will often agree to waive deficiencies and even offer relocation incentives and ``cash for keys``.
Serving Broward, Dade and Palm Beach counties
(954) 280-DEBT / (954) 600-8990 /
(305) 417-6977 / (561) 922-9965
help@FloridaBankruptcyAdvisors.com
120 E. Oakland Park Blvd., Suite 207, Fort Lauderdale, Florida 33334 + 1451 W. Cypress Creek Rd., Suite 300, Fort Lauderdale, Florida 33309
What is Bankruptcy