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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 |
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Fees & Services |
Getting Started |
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Contact us |
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Florida
Bankruptcy Services
Chapter 7 &
Chapter 13(727) 322-5881
We serve the
Tampa Bay area as well as
the entire state of Florida.
25+ Years Bankruptcy Experience |
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Welcome! It's a good day to get out of debt. |
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Essential Links |
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Emergency filings
welcomed!
Same day service in most cases. |
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www.annualcreditreport.com |
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(free credit report
from the FTC) |
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www.debthelper.com |
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(pre-filing counseling) |
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Chapter 7 |
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Bankruptcy and Divorce
Divorce impacts
bankruptcy in the division of marital property and the division of
marital debt. In the state of Florida, any assets or property
acquired over the course of a marriage must be equitably divided,
including retirement funds, equity in a home, bank accounts, and
other assets. In the case of debt, however, the terms of a divorce
settlement do not affect the agreement you and your spouse have with
creditors.
The Fallacy of Quick
Claim Deeds.
Quick claim deeds
transfer the title on real property (home or land)
from one person to another BUT they do not transfer
the financing so you will still be responsible for
payment of the mortgage should your ex-spouse default
on the mortgage.
Are You a Co-Signer or Co-Obligor?
Even if you never used a
credit card or drove your spouse's car, if your name is on the loan
or account, you may be held responsible for the debt - even if your
divorce settlement indicates your spouse will pay it off. For these
reasons, it's essential to determine how assets and debts will be
assigned since this will impact whether you need to file Chapter 7 or
Chapter 13.
The Impact of Marital Debt on Bankruptcy.
If your spouse declares
bankruptcy during or after your divorce, the creditors involved may
decide to try and collect unpaid debt from you. If your spouse
agreed to pay off jointly held credit cards or a car loan you signed
your name to, a creditor will likely demand payment from you when it
becomes clear they won't collect from your former spouse. Since your
divorce settlement doesn't modify your legal contractual obligations
to your creditors, you may have very little choice but to pay off
the debt or declare bankruptcy yourself.
Bankruptcy & Support Obligations.
Filing for bankruptcy will
probably not discharge child support or spousal support obligations
but only the bankruptcy court can decide this.
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What is Chapter 7 |
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Chapter 7 Timeline |
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What is the
Means Test |
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Top 10 Mistakes |
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Silly
Notions |
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FAQ |
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Should I File |
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Can One Spouse File |
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Bankruptcy and Divorce |
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Taxes and Student Loans |
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Reestablish Credit |
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Bankruptcy Courts |
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Florida Middle
District |
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Florida
Northern District |
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Florida
Southern District |
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Know Your Rights |
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Fair Debt
Collection Act |
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Fair Credit
Reporting Act |
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Our
Location & Hours |
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2808 Beach Blvd. So.
#9 |
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Gulfport, FL
33707 |
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Monday - Friday |
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9:00
- 5:00 |
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By appointment only |
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to preserve your privacy |
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© 2001-2025
Florida Bankruptcy Services
All Rights Reserved |
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