David Kovari has over 14 years experience in the practice of bankruptcy law. Mr. Kovari has also served as counsel to several bankruptcy trustees in the South Florida region. Get Started Now »

CHAPTER 7- PERSONAL BANKRUPTCY Chapter 7 Bankruptcy is used by individuals to discharge their credit card debt, personal loans, and other claims and to obtain a "fresh start." Under chapter 7, a person retains their exempt property such as their homestead and certain personal property and retirement benefits.

CHAPTER 13 - PERSONAL BANKRUPTCY Chapter 13 Bankruptcy is used by individuals to reorganize or discharge their debt. Chapter 13 is typically used to stop foreclosure and catch home mortgages up-to-date and to discharge debt. In chapter 13 you may be able to wipe out a second mortgage that is wholly "underwater" or unsecured.

Other areas of law practice:
Family Law - divorce, child support, adoption
Debt negotiation
Debt Collection
Incorporating new businesses
Contract review