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Welcome!

   

Emergency Filings Welcomed
Stop Wage Garnishments,
Lawsuits, Foreclosures

 

It's a good day to

 

 

 
get out of debt!      
                   
Attention  .  .  .  on December 1, 2015  new bankruptcy forms go into effect.  The changes are extensive but no worries - our bankruptcy software automatically updates all changes in bankruptcy law including the forms.
                   
                   
       

Chapter 7 Versus Chapter 13.

The differences between Chapter 7 and Chapter 13 bankruptcy begin with the Means Test. In order to file under Chapter 7, your family income cannot exceed the Florida median income for families of a similar size. 

If your income is too high, you can file for bankruptcy under Chapter 13 where your debt is restructured in order to allow you to pay off a percentage of what you owe over a 3 to 5 year period.

Home Foreclosure - Chapter 7 Bankruptcy
While filing for Chapter 7 will temporarily halt foreclosure actions, banks can still file for stay of relief, enabling them to foreclose on your home if it is clear that you will not be able to bring your past-due mortgage current and continue your other payments.

Home Foreclosure - Chapter 13 Bankruptcy
Under Chapter 13, past-due mortgage payments can be rolled into your repayment plan. However, Chapter 13 repayment plans do not allow you to reduce your monthly mortgage payment until a loan modification is approved. Past-due mortgage payments can be included in your repayment plan so long as you are able to continue making your monthly mortgage payment.

Personal Property - Chapter 7 vs. Chapter 13
In Chapter 7 bankruptcy, the court can seize and liquidate some of your personal property in order to pay your creditors a portion of what you owe them. In Chapter 13 bankruptcy, since you are required to pay a portion of your debt through a repayment plan, you may be able to avoid having your property seized or liquidated.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

                  

Important Info & Links  
List of documents we need  
Our questionnaire (pdf)  
Free Credit Report  (FTC site)  
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Chapter 7 Bankruptcy  
What is Chapter 7  
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Top 10 Mistakes  
What is the Means Test  
Chapter 7 vs. Chapter 13  
What is Chapter 13  
How the court values vehicles  
Silly Bankruptcy Notions  
Credit After Bankruptcy  
       
FL Bankruptcy Courts  
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Southern District  
Trustee  Required Doc List  
       
FAQ  
Should I File Bankruptcy  
Will I Lose My Stuff  
Taxes and Student Loans  

Can One Spouse File

 
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Know Your Rights  
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New Credit Card Rules  
Fair & Accurate Credit Act  
       
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Free Legal Resources  
Bankruptcy Basics  (pdf)  
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US Bankruptcy Code  (pdf)  
More Free Legal Resources  
Bankruptcy Glossary  
       
       

Our Location

 
2808 Beach Blvd So. #9  
Gulfport, FL  33707  
(727)  322-5881  
       
       
       
       
       
       
       
       
       
       
                 
                 
                 
           

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Florida Bankruptcy Services
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