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Bankruptcy Services

Chapter 7 & Chapter 13

(727) 322-5881

We serve the Tampa Bay area  as well as
the entire state of Florida

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Chapter 7


What is Chapter 7 bankruptcy?

You must be eligible to file chapter 7 bankruptcy.  This is determined by the means test which is why we need your last 6 months worth of pay stubs, beginning with the month prior to your filing bankruptcy.

That being said, Chapter 7 is generally the simplest and quickest form of bankruptcy and is available to individuals, married couples, corporations and partnerships.  In many cases, most if not all the assets are exempt, therefore the trustee will not seize any of your property..

The most important forms are the voluntary petition, schedules, and statement of financial affairs. The petition consists of your name, address, and filing info such as the type of bankruptcy you are filing & whether you are paying your filing fees in full, in installments, or requesting a fee waiver. Your schedules are where all assets, liabilities, income, and expenses must be listed. 

You must list ALL of your debts, even if you intend to reaffirm the debt (keep the property & continue making regular payments until the debt is paid in full).

The court cannot discharge any debt that is not listed or did not get notice of your bankruptcy filing due to an incorrect address.

Both the schedules & statement of financial affairs are signed by the debtor under penalty of perjury therefore it is extremely important that you tell the truth and do not leave out assets such as a pending inheritance.

Your bankruptcy documents must be filed with the bankruptcy clerk in the district in which you live, or have lived for the greater part of the last 180 days.

  What is Chapter 7    


Chapter 7 Timeline    


What is the Means Test    
  Top 10 Mistakes    


Silly Notions    




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  Can One Spouse File    
  Bankruptcy and Divorce    
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  Fair Debt Collection Act    
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Our Location & Hours


2808 Beach Blvd. So. #9


Gulfport, FL  33707


Monday - Friday


9:00 - 5:00




By appointment only.

Florida Bankruptcy Services