Fees & Services

Getting Started

Contact us

(727) 322-5881


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

25+ Years Bankruptcy Experience

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

www.annualcreditreport.com

(free credit report from FTC)

www.debthelper.com

(pre-filing counseling)

Chapter 7

Once you have made the decision to file bankruptcy please give us a call.  When you meet with us you must decide whether you need file Chapter 7 or Chapter 13.  We cannot make this decision for you.  If you decide to file Chapter 7 you must consider the following:  your income (do you pass the Means Test), are your mortgage and car payments caught up, do you only have a little equity in your vehicle, and are your  furnishings older (not new). 

Please bring the following documents with you when we meet with you.  If you don't have everything we need, don't worry about it because you can always email it to us.

Mortgage.  If you own a home we need the mortgage company's name, billing address, account number, and balance owed. 

Vehicle.  If you own a vehicle that is financed, we need the company's name, billing address, account number, and the balance owed.

Paystubs.  All pay stubs for the last 7 months or a payroll printout from your HR department

401k or IRA withdrawals.  If you have withdrawn any monies from your 401k or IRA within the last year we need to know how much and the date of the withdrawal.

Gross income,  This year, last year, and the year before.  This includes income from all sources including child support, alimony, social security, social security disability, 401k withdrawals, pensions, etc.

Credit reports.  You can get your free credit report from www.annualcreditreport.com.  Transunion is the most accurate followed by Experien.  If you are unable or uncomfortable pulling your own credit report we can do this for you. 

Miscellaneous debts.  We need a billing statement or the creditor's name and address for all debts that do not appear on your credit report, especially medical debt. 

Collection accounts.  We need all collection letters you have saved because not everything appears on your credit report and we really want to get rid of these for you.

Lawsuits.  We need a copy of any lawsuit papers you have been served with.



 

Florida Southern District

Our Location & Hours

2808 Beach Blvd. So. #9

Gulfport, FL  33707

Monday - Friday

9:00 - 5:00

By appointment only.