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Bankruptcy Attorneys in Tampa Bay

If you are having a difficult time meeting your financial obligations, Florida Law Advisers, P.A. may be able to help. Our Tampa bankruptcy attorneys have years of experience helping people just like you to solve their financial problems. We understand these are very difficult times for you and we are here to help. There are options available to help successfully manage your debt and regain your financial health. In some cases, filing for bankruptcy may be a good solution, however, it is often not the only solution available. For instance, in some circumstances, a consumer may be better off pursing negotiations or settlements with their creditors rather than filing for bankruptcy. The right course of action will depend on the unique circumstances of your case.

Contact us to today to schedule a free, confidential consultation with a Tampa bankruptcy lawyer to see what options may be available to you. During the consultation an experienced Tampa bankruptcy attorney will carefully review the facts of your case and help you choose a course of action that is best for your individual needs.  

Our initial consultation is free, and we offer flexible payment options to all of our clients. At Florida law advisers, P.A., we want  to provide you with solutions, not add to your financial burden. We will work with you to develop a payment plan that you can afford. We accept many forms of payment and offer our bankruptcy clients the choice of either a low cost flat fee or low cost hourly fee for bankruptcy representation. Regardless of the option you choose, you will find that Florida Law Advisers, P.A. charges less than many of the competing bankruptcy law firms in the Tampa Bay area. Contact us today by telephone, website form, email or chat to see how we can help solve your debt crisis.

Chapter 7 Bankruptcy in Florida

Chapter 7 bankruptcy may be a good solution for clients with a large amount of unsecured debt, such as credit cards and personal loans. In a Chapter 7 bankruptcy, a borrower will sell non-exempt assets and be released from liability for certain types of debt in return. Assets which are exempt from the bankruptcy will not have to be sold. In some cases, our Tampa bankruptcy attorneys are able to release a client from liability of all of their debts without having to sell any of their assets. It is important to have an experienced Tampa bankruptcy lawyer by your side who can use the bankruptcy laws to minimize the assets you have to sell and maximize the debts that you can get discharged. Our Tampa bankruptcy lawyers have years of experience helping clients take full advantage of the protections of Chapter 7. To find what debts you may get discharged and what, if any, assets you may have to sell in a Chapter 7 bankruptcy, contact us today to speak with a Tampa bankruptcy attorney.

Read more about Chapter 7 Bankruptcy in Florida.

Chapter 13 Bankruptcy in Florida

Chapter 13 bankruptcy is often referred to as a restructuring bankruptcy because unlike a Chapter 7 bankruptcy a borrower will not be required to sell their assets. Instead, a borrower will restructure and consolidate their debts into a court approved payment plan. In some cases, our Tampa bankruptcy lawyers are able to get  the court's approval of a payment plan that only requires our client to pay a small percentage of the total amount owed. Once the borrower is finished making all of the monthly payments under the payment plan, they will be free of the debt and will not responsible for any unpaid balances. Chapter 13 bankruptcy may be a good solution to solve your debt crisis; however, it is not the only solution available. In many cases it is better for a borrower to file for Chapter 7 bankruptcy or pursue an alternative to bankruptcy, such as credit counseling. You should contact Florida Law Advisers, P.A. to have a Tampa Bankruptcy attorney review your case and discuss the options available to you.

Read more about Chapter 13 Bankruptcy in Florida.

The Bankruptcy Process

The first step in the bankruptcy process should always be to meet with a Tampa bankruptcy attorney to discuss your specific situation. A Tampa bankruptcy lawyer can carefully review your case and help you decide whether you should file for a Chapter 13 bankruptcy, Chapter 7 bankruptcy, or pursue alternative debt relief options. If you decide to pursue bankruptcy, the process will begin when you file your Petition, Schedules, and Statement of Financial Affairs with the Bankruptcy Court in Tampa. As soon as these documents are received by the court an automatic stay will go into effect which prevents all creditors from taking any collection actions against you. Approximately 30 days later, you will attend a Meeting of the Creditors where the bankruptcy trustee and your creditors may ask questions about your financial situation. Afterwards, if you have completed all of the necessary steps and there are no outstanding issues, the Bankruptcy Court will grant a discharge of your debts. Fortunately, you do not have to go through these steps alone. By hiring Florida Law Advisers, P.A. you get an experienced bankruptcy lawyer by your side every step of the way. 

Read more about The Bankruptcy Process in Florida.

End The Harassing Phone Calls & Home Foreclosure Immediately

Filing for bankruptcy can give you immediate relief from any pending legal actions to repossess your property, and put an end to the harassing debt collection phone calls. When you hire a Tampa Bankruptcy attorney to file a Chapter 7 or Chapter 13 bankruptcy on your behalf, the court will enact an automatic stay. The automatic stay is a court order that requires all collection actions against you to stop immediately. Creditors and collection agencies will not be able to contact you, garnish your wages, or repossess your property while the automatic stay is in effect. The automatic stay will even put a stop to a scheduled foreclosure sale of your home. In most cases, the automatic stay will be enacted as soon as you file for bankruptcy and it will remain in effect until your bankruptcy case is discharged.

Read more about Creditor Harassment.

The Benefits Of Hiring An Attorney Early

We urge you to be proactive and contact us for help before it becomes too late. A delay in getting legal counsel can result in costly financial expenses that could have been avoided by getting our professional help early. By making effective use of bankruptcy law, we can help save your assets and deliver immediate relief. The Tampa bankruptcy lawyers at Florida Law Advisers, P.A. have years of experience helping people just like you solve to their financial problems. We provide dedicated and compassionate legal counsel that is based on years of experience and education. At Florida Law Advisers, P.A., we do more than just help you file for bankruptcy – we help you build a strong foundation for the future.

Read more about Preparing for Bankruptcy.

Alternatives to Bankruptcy

There are options other than bankruptcy if you are struggling to pay your bills in a time of financial stress. In fact, other types of aid relief may be more advantageous. The right course of action will depend on the unique circumstances of your case. Contact us today to schedule a free consultation with a debt relief attorney at our firm to discover your personalized options.

Learn more about other Alternatives to Bankruptcy.

Bankruptcy & Divorce

If you are considering filing for divorce, it is important to know that marital debt is treated just like other marital property and is subject to an equitable distribution by the court. Equitable distribution requires the court to split all of the marital property 50/50, including debts, between you and your ex-spouse unless factors are present that would make an even split inequitable. Therefore, filing for divorce won’t necessarily eliminate your debt or transfer all responsibility for the debt to your ex-spouse.

If you are concerned that you will not be able to pay your equitable share of the marital debt you should contact us to speak with a tampa bankruptcy attorney at our firm. A bankruptcy lawyer at Florida Law Advisers, P.A., will explain how bankruptcy law works and how filing may affect your situation. If you decide to file for bankruptcy we can help draft all the necessary paperwork and navigate your case through the court system to ensure your rights are protected throughout the legal process.

Read more about Bankruptcy & Divorce.

Bankruptcy & Foreclosure

If you have fallen behind on your mortgage and your lender has threatened to foreclose on your home, bankruptcy may be able to stop the foreclosure and make your mortgage payments more manageable. At Florida Law Advisers, P.A., our bankruptcy attorneys have helped many homeowners prevent a foreclosure and lower their monthly payment by filing for bankruptcy. Bankruptcy is a useful tool but it may not be the right solution for everyone. To find out more about how bankruptcy can prevent home foreclosure, contact us to schedule a free consultation with a Tampa bankruptcy lawyer at our firm. During the consultation a bankruptcy attorney will review the facts of your case and help develop a comprehensive solution to solve your financial problems. 

Learn more about Bankruptcy & Foreclosure.

Bankruptcy & Taxes

At Florida Law Advisers, P.A., we help borrowers in all types of bankruptcy cases, including tax-motivated bankruptcy filings. If you have a federal tax bill that is burdensome, we may be able to help discharge your tax liability through bankruptcy. Our bankruptcy attorneys have years of experience helping clients discharge their debt and obtain a fresh start through bankruptcy. To find out how bankruptcy and tax law may affect your situation, contact us to schedule a free consultation with a Tampa bankruptcy lawyer at our firm.  During the consultation we will answer your questions and develop a comprehensive strategy to help alleviate your tax liability.

Read more about Bankruptcy & Taxes.

Chapter 11 Bankruptcy

Chapter 11 bankruptcy is often referred to as business reorganization because it provides businesses with the opportunity to restructure its debt and modify existing contracts. When filing for Chapter 11 bankruptcy, a company negotiates with its creditors and stakeholders to develop a Chapter 11 plan. The Chapter 11 plan allows businesses to alter existing contracts and loan arrangements to reduce the amount owed and extend the repayment period. Reorganization provides a company under financial stress with the opportunity for a fresh start. However, filing for Chapter 11 bankruptcy can be a very complex process that requires skilled legal representation. If you are considering filing for Chapter 11, you should contact us to speak with a Tampa bankruptcy lawyer before taking any action.

Learn more about a Chapter 11 Bankruptcy.

Chapter 13 Bankruptcy Conversion

In some circumstances, a borrower may need to convert their Chapter 13 bankruptcy into a Chapter 7 bankruptcy. For example, this may occur when a borrower in Chapter 13 is unable to make the payments required under the Chapter 13 payment plan. If that were to occur, converting to Chapter 7 may the best option. Both Chapter 7 and 13 bankruptcies are designed to provide debt relief for borrowers seeking help from overwhelming debt. However, there are many key differences between a Chapter 7 and Chapter 13 bankruptcy. Under Chapter 7 bankruptcy, your debt will be discharged in exchange for liquidating your non-exempt assets. On the other hand, under Chapter 13 you set up a three-to-five-year payment plan that is based on your income, and you will not be required to liquidate any assets.

Read more about Chapter 13 Bankruptcy Conversion.

Chapter 7 vs. Chapter 13 Bankruptcy

Both Chapter 7 & 13 are designed to provide debt relief for borrowers seeking help from overwhelming debt. However, there are many key differences between a Chapter 7 and Chapter 13 bankruptcy. It is important that you speak with a bankruptcy attorney before you decide which type of bankruptcy to file. Each form of bankruptcy will have its own unique benefits and disadvantages. An experienced bankruptcy lawyer in Tampa can explain each form of bankruptcy and help you decide which chapter would be best for your specific situation.

If you are contemplating filing for bankruptcy, contact a bankruptcy attorney at Florida Law Advisers, P.A. to schedule a free consultation.  During the consultation we will answer your questions and provide you with a comprehensive strategy to help solve your financial crisis. We are experienced and skilled in all bankruptcy matters; regardless of whether you need help with Chapter 13, Chapter 7, Chapter 11, or alternative forms of debt relief, we can help.

Learn more about the difference between Chapter 7 and Chapter 13 Bankruptcy.

Debt Consolidation

Failing to keep up with the monthly bills can create enormous pressure on a family. Creditors will often harass borrowers, file lawsuits, and take other aggressive action to try and collect a debt. Florida Law Advisers, P.A. is dedicated to helping families and individuals solve their financial problems and end creditor harassment. Some Tampa bankruptcy attorneys will say that bankruptcy is the only solution because that is the more profitable option for their own law firm. At Florida Law Advisers, P.A. helping our clients is our primary goal and we provide you with information on many different ways to solve your debt crisis. We develop comprehensive strategies based on each client’s particular circumstances to help provide long-term solutions. Bankruptcy is a great tool for borrowers falling behind on their bills but it is not the only option, and sometimes other debt relief measures are more effective than bankruptcy.  

Read more about Debt Consolidation.

Debt Settlement

If you are struggling to pay your bills each month you may want to consider pursuing an out-of-court settlement agreement with your creditors, rather than filing for bankruptcy or taking other action. Out-of-court settlement agreements are legally binding contracts between you and your creditor. Settlement agreements can reduce the amount of money you owe, extend the time you have to repay, and lower your interest rate.

Settlement negotiations can be a very helpful tool for financially struggling families; however, it is important to have legal representation when negotiating with your creditors to prevent any unwanted consequences. Your creditors will likely have a team of attorneys working to protect them and you should have a skilled attorney on your side protecting your rights. In most cases, you will be required to sign a settlement agreement, these agreements can be difficult to understand and have hidden penalties that only an experienced attorney can identify. By working with Florida Law Advisers, P.A. to negotiate out-of-court settlements you can be confident your rights are protected and you are getting a fair settlement.

Read more about Debt Settlement.

Debt Discharge From Bankruptcy

If a debt is discharged in bankruptcy the borrower will be released from all liability on the debt. The discharge is a permanent court order releasing the borrower from the responsibility of having to pay the debt and prohibits the creditor from taking any collection action against the borrower. In most cases, obtaining a discharge will be the primary reason why a borrower files for bankruptcy. The discharge of debt is available in both Chapter 7 and Chapter 13 bankruptcy. However, not all debts are eligible for a discharge.

If you are considering filing for bankruptcy contact us to schedule a free consultation with a Tampa bankruptcy lawyer to review your debts and determine which debts are eligible for a discharge. The bankruptcy lawyers at Florida Law Advisers, P.A. have years of experience helping families in the Tampa Bay Area discharge their debt and will be glad to answer your questions.

Learn more about a Debt Discharge From Bankruptcy.

Bankruptcy Property Exemptions

Exempt property is property that you do not have to forfeit when filing for bankruptcy and are instead entitled to keep. Before you file for bankruptcy or take any other debt relief measure it is important to know which exemptions you qualify for. Depending on the circumstances of your case all of your property may be exempt from the bankruptcy. On the other hand, you may be forced to liquidate precious assets if you file for bankruptcy and your property does not qualify for an exemption. Florida Law Advisers, P.A. can help you determine what property you may be forced to liquidate if you have filed or are considering filing for bankruptcy. Call us today to schedule a free consultation with a Tampa Bankruptcy attorney to find out how exemption law may affect your bankruptcy.

Read more about Bankruptcy Property Exemptions.

Famous People Bankruptcies

You should not feel alone or embarrassed if you file for bankruptcy.  Over 1,000 new bankruptcy cases are filed each week in our area.  Bankruptcy provides a great opportunity for a new financial beginning. In fact, many well-known public figures have filed for bankruptcy and moved on to accomplish great things. 

Read more about Famous People Who Have Claimed Bankruptcy.

Life After Bankruptcy

A bankruptcy may stay on your credit report for up to 10 years; however, this does not mean you have to wait 10 years to get a new credit card or buy a new home. With the help of a bankruptcy lawyer at our firm you can start to quickly rebuild your credit and put the bankruptcy behind you. At Florida Law Advisers, P.A., we provide a comprehensive strategy to help our clients rebuild their credit after declaring bankruptcy. A Tampa bankruptcy attorney at our firm will develop a customized credit restoration plan based on your specific needs. When developing a plan for you, we consider all of the circumstances of your case, including your short-term and long-term credit objectives to create a plan that is right for you. 

Read more about Life After Bankruptcy.

Bankruptcy Means Test

In 2005, congress enacted the Bankruptcy Abuse Prevention and Consumer Protection Act which made substantial changes to our national bankruptcy system. Included in the act is the requirement that Chapter 7 applicants pass the Means Test. The purpose of the Means Test is to reserve Chapter 7 bankruptcy protection for individuals who truly need it. The Means Test requires that applicants earn an income below a specified amount in order to be eligible for Chapter 7 bankruptcy. Determining eligibility for Chapter 7 can be complex and confusing without competent legal representation. If you are considering filing for bankruptcy, contact us to schedule a free consultation with an experienced Tampa bankruptcy attorney at our firm. During the initial consultation we will determine your eligibility and develop a comprehensive plan to help alleviate your financial troubles.

Learn more about the Bankruptcy Means Test.

Reaffirmation of Debt

In most cases, borrowers file for bankruptcy because of their ability to discharge their debts. A bankruptcy discharge is a permanent court order releasing the borrower from the responsibility of having to pay the debt, and prohibits the creditor from taking any collection action against the borrower.

However, in some cases a borrower may want to reaffirm a debt in bankruptcy, rather than discharge it. A borrower will usually reaffirm a debt when the debt has collateral the borrower wants to keep, such as a car or valuable jewelry. When a debt is reaffirmed, the borrower voluntarily agrees to pay the creditor all or a portion of the money owed. If a debt is reaffirmed and the borrower fails to pay the debt, the creditor can seek repossession and other legal actions to collect the debt.

Read more about Reaffirmation of Debt.

Bankruptcy Trustee

When you file for Chapter 7 or Chapter 13 bankruptcy, the court will appoint a trustee to oversee your case. The Office of the U.S. Trustee is an agency within the Department of Justice and is responsible for monitoring the administration of a bankruptcy case. The trustee assigned to your case has a duty to be impartial and disinterested. Therefore, the trustee and everyone that the trustee employs must not have any interest in the outcome of the bankruptcy.  Furthermore, The National Association of Bankruptcy Trustee’s Canon of Ethics requires a trustee to treat all parties in the bankruptcy with dignity and respect.

Read more about Bankruptcy Trustees.

Florida Wage Garnishment

Wage garnishment occurs in Florida when a creditor takes legal action to seize a portion of your wages, bank account, or other assets. In wage garnishment cases, the creditor will contact your employer and have your employer deduct a specified amount of money from your check each week to be forwarded to the creditor. Wage garnishment is not permitted in all 50 states, but in the state of Florida it is a legal method of debt collection. Fortunately, you do have many legal options to prevent or stop wage garnishments from occurring. If you are threatened with a wage garnishment or your wages are already being garnished, you can read How to Stop a Wage Garnishment in Florida and then contact Florida Law Advisers for help. Our team of attorneys will aggressively defend your rights to end the wage garnishment.

Learn more about Florida Wage Garnishment.

Consult a Bankruptcy Lawyer in the Tampa Bay Area Today

We understand these are very difficult times for you and we are here to help. At Florida Law Advisers, P.A., our professional legal team will work closely with you to develop a comprehensive legal strategy to help alleviate your financial stress. We are experienced in all bankruptcy and debt relief matters and are dedicated to helping our clients regain their financial health.

Our initial consultation is free and we offer flexible payment options to all of our clients. At Florida law Advisers, P.A., we want to provide you with solutions, not add to your financial burden. We accept many forms of payment and offer our bankruptcy clients the choice of either a low cost flat fee or low cost hourly fee for legal representation. Contact us today by phone, email, website form, or website chat to schedule your free consultation with a debt relief attorney at Florida Law Advisers, P.A.

 

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Florida Law Advisers, P. A.

2202 N Westshore Blvd, Ste 200
Tampa, FL 33607

Phone: 1 (800) 990-7763

Fax: 1 (800) 990-1033

E-mail: info@FloridaLegalAdvice.com

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   Florida Law Advisers, PA, Attorneys, Tampa, FL   This Attorney is Lead Counsel Rated. Click here for more Information.