florida, bankruptcy, services, paralegal, attorney, petition, preparer, document preparation, chapter 7, chapter 13, loan modification, pinellas, hillsborough, pasco, manatee, tampa bay,
  Home  

Same Day Service for Emergency Filings

    Site Map
             

Our Fees & Services

email

 

 

     

 

                   

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.
                   
                   
       

Taxes and Student Loans.

While it is true that some taxes will not be discharged, others can 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 by your employer 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 generally are never dischargeable in a Chapter 7 bankruptcy but there are exceptions but very few people qualify because the "undue hardship" provision of bankruptcy is reserved for extraordinary circumstances that are likely to continue for an extended period of time - not a short duration. But there are alternatives such as forbearances, refinancing, and Chapter 13 bankruptcy (usually a 5 year repayment plan).

 

 

 

 

 

 

 

 

 

 

 

 

 

                  

Important Info & Links  
List of documents we need  
Our questionnaire (pdf)  
Free Credit Report  (FTC site)  
Pre-filing Credit Counseling  
Filing Fee Waiver  
       
Chapter 7 Bankruptcy  
What is Chapter 7  
Chapter 7 Timeline  
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  
Northern District  
Middle District  
Southern District  
Trustee  Required Doc List  
       
FAQ  
Should I File Bankruptcy  
Will I Lose My Stuff  
Taxes and Student Loans  

Can One Spouse File

 
Bankruptcy and Divorce  
       
Know Your Rights  
Fair Credit Reporting Act  
Fair Debt Collection Act  
New Credit Card Rules  
Fair & Accurate Credit Act  
       
Debt Collection  
Worst Debt Collectors  
Worst Debt Buyers  
       
Free Legal Resources  
Bankruptcy Basics  (pdf)  
Local Court Rules  (pdf)  
US Bankruptcy Code  (pdf)  
More Free Legal Resources  
Bankruptcy Glossary  
       
       

Our Location

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

Copyright 2003 - 2016 
Florida Bankruptcy Services
All Rights Reserved