Our Approach to Business

Philosophy

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.

Consultation

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.

Integrity

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.

Service

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.

Relationships

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.

Pricing

We offer fair and transparent pricing at a discount to general market pricing. The pricing is discounted, but the quality of services are not.

Meet Our Founders

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.

About Our Services

Bankruptcy Services

Chapter 7

Available to lower income households. Process lasts about 3 months before obtaining a discharge. The Automatic Stay is imposed upon filing.

Chapter 13

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.

Chapter 11

Available to high-debt individuals and corporations with an aim towards restructuring. Plan length can vary and creditors vote on plan.

Loss Mitigation Services

Foreclosure Defense

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.

Loan Modifications

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.

Short Sales

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``.

Let's Connect

Contact Us

Serving Broward, Dade and Palm Beach counties

  • Phone

    (954) 280-DEBT / (954) 600-8990 /
    (305) 417-6977 / (561) 922-9965

  • Email

    help@FloridaBankruptcyAdvisors.com

  • Address

    120 E. Oakland Park Blvd., Suite 207, Fort Lauderdale, Florida 33334 + 1451 W. Cypress Creek Rd., Suite 300, Fort Lauderdale, Florida 33309

  • Free Phone Consultations
  • Satellite offices throughout Dade, Broward and Palm Beach.
  • Call for a free phone consultation or to schedule an appointment

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