florida bankruptcy services, florida, bankruptcy, services, paralegal, file bankruptcy, petition preparer, legal document preparation, chapter 7, chapter 13, pinellas, pasco, hillsborough, hernando, manatee, tampa bay, st. petersburg, tampa, clearwater

Fees & Services

Getting Started



Contact us

Bankruptcy Services

Chapter 7 & Chapter 13

(727) 322-5881

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

Welcome!  It's a good day to get out of debt.


Site Map

Essential Links   Emergency filings welcomed!
Stop lawsuits and wage garnishments.
Same day service.



(free credit report from FTC)




(pre-filing counseling)


Chapter 7


Taxes and Student Loans.

While it is true that some taxes will not be discharged, others might be. Some federal taxes may be excepted from discharge if they are over 3 years old and meet all other criteria for discharge but only the court can determine this.

Did your employer file a 1099 with the IRS instead of a W-2 by claiming you are a contractor when you really aren't because you're a cashier, a server, an office worker, an LPN, etc. and work directly under the control of your employer? 

In other words, you don't make the decisions - you just do what you're told to do and you're grateful to have a job.  Perhaps you shouldn't feel so grateful because your employer caused you to incur an additional 15% self employment tax you probably don't owe in addition to the taxes you do owe.  

You are not alone because more and more employers are doing this to avoid paying social security tax and Florida unemployment taxes.  Your local IRS office will be happy to help you resolve this issue at no charge because they don't like it any more than you do.  They can also help you resolve your tax issues through a workable repayment plan.

Student loans are usually not dischargeable but it's up to the Court to make this decision as some may be.

  What is Chapter 7    


Chapter 7 Timeline    


What is the Means Test    
  Top 10 Mistakes    


Silly Notions    




  Should I File    
  Can One Spouse File    
  Bankruptcy and Divorce    
  Taxes and Student Loans    
  Reestablish Credit    
  Bankruptcy Courts    
  Florida Middle District    
  Florida Northern District    

Florida Southern District

  Know Your Rights    
  Fair Debt Collection Act    
  Fair Credit Reporting Act    

Legal Resources


Bankruptcy Basics


Bankruptcy Glossary




Our Location & Hours


2808 Beach Blvd. So. #9


Gulfport, FL  33707


Monday - Friday


9:00 - 5:00




By appointment only.

Florida Bankruptcy Services