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|Welcome to the official website for Andrew C. Demos, P.A. We
thank you for visiting our website and look forward to serving your
bankruptcy legal needs.
Types of representation: individual, corporate and
condominium/homeowners association representation regarding
bankruptcy advice and planning; also corporate claims, proof of claim
filings, relief from automatic stay with negative notice to proceed with
litigation, adversary proceedings, examinations and other matters.
Chapter 7 / liquidation: this area of bankruptcy is designed to provide
a "fresh start" including all unsecured debt such as credit cards.
|ANDREW C. DEMOS, P.A.
Attorneys at Law
|What is a bankruptcy estate? Generally all assets and debts of the debtor are included in the estate. All schedules must
be completed accurately and assets can be sold in a chapter 7 bankruptcy to pay creditors; sometimes negotiations can help
to resolve equity in assets.
Means test: When a debtor's income is greater than the average income, an income test will help to demonstrate whether
there the bankruptcy would be an abuse of the bankruptcy process.
Reasons for bankruptcy are typically liquidation (chapter 7) or reorganization (chapters 11 (corporate) and 13
(individual)) for debt management concerning judgments or other debt.
When to consult with an attorney: as early as possible and even prior to creating a debt through litigation or otherwise,
advice should be sought concerning bankruptcy matters. It is better not to wait until the last minute to avoid surprises and
losses through garnishment, etc.
Meeting of Creditors - who usually attends? Typically in a chapter 7 bankruptcy the debtor attends the 341 Meeting of
Creditors with an attorney at which time the Trustee for the court asks recorded questions concerning the bankruptcy
estate. Creditors are allowed to inquire at the 341 Meeting and if needed follow-up discovery/questions can be sought as
to the bankruptcy estate.
Mr. Demos has appeared as a legal advisor on many Florida television programs and periodicals and as a speaker
regarding personal injury (two seminars), condominium and real estate (two seminars) and other events.
Each day at our offices, we concentrate our efforts on the rights of each of our clients through effective and efficient
attention to the particular needs of each client.