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  Same day service usually available for emergency filings to stop lawsuits, wage garnishments & foreclosures.  

Florida Bankruptcy Services is a Chapter 7 bankruptcy preparation service.  We are located in Gulfport, Florida (next to Saint Petersburg) and have been in business for 15+ years. 


Our fees are set by the bankruptcy court - $200.00.


We come highly recommended by our clients, trustees, local attorneys, and our local legal aid office. Why?  All the chapter 7 and chapter 13 bankruptcies we prepare are straight up by the book and you wouldn't want it any other way. 


If you live in the Tampa Bay area (Pinellas, Hillsborough, Pasco, Polk, Manatee, or Hernando county) it would be our pleasure to help you get you out of debt.




We see clients by appointment only because filing bankruptcy is a private matter that should not be shared.


Florida Bankruptcy Services


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        Bankruptcy Glossary In Plain English

Bankruptcy In Plain English

  Adversary Proceeding. A lawsuit filed in the bankruptcy court which is related to the debtor's bankruptcy case.  Examples include complaints to determine if a debt  is dischargeable or whether or not a lien is valid or can be striped such as a second mortgage lien.
Chapter 7  
Chapter 7 vs. 13  
Means Test              
Top 10 Mistakes   Arrears.  The amount that is unpaid & overdue as of the date the bankruptcy case is filed.  A Chapter 13 bankruptcy filing can "cure" arrearages such as mortgage, automobile, child support, and alimony.
Filing Fee Waiver  
Bankruptcy Glossary  
Bankruptcy Court Info              
        Assets.  The personal possessions belonging to the debtor including cash, real estate, vehicles, household furnishings, timeshares, jewelry, etc.

Frequently Asked Questions

Should I File              
Credit Reports  

Automatic Stay An injunction that stops lawsuits, foreclosures, garnishments, and collection activity against a debtor the moment a bankruptcy petition is filed.

What Can I Keep  
Can One Spouse File              
Taxes & Student Loans   AvoidanceElimination (avoid) of some kinds of liens that interfere with (or impair) an exemption claimed in the bankruptcy.  Most judgment liens that are attached to a debtor's home can be avoided if the total of the liens is greater than the value of the exempt property.
Bankruptcy Myths  

Debt Collection

Fair Debt Collections Practices Act   Avoidance PowersRights given to the bankruptcy trustee or debtor in possession to recover certain transfers of property such as preferences or fraudulent transfers or avoid liens created before the beginning of the bankruptcy.
Telephone Consumer Protection Act  
Fair Credit Reporting Act  
Worst Debt Collectors              
        Bankruptcy CodeTitle 11 of the US Code that governs bankruptcy proceedings.  Bankruptcy is a matter of federal law and is, with the exception of exemptions, the same in every state.
Our Location  
2808 Beach Blvd South #9              
Gulfport, FL  33707   Bankruptcy EstateThe estate is all of the legal and equitable interests of the debtor as of the beginning of the case.  From the estate, an individual debtor can claim certain property exempt; the balance of the estate is liquidated in a Chapter 7 to pay administrative costs and claims of creditors according to priority.
We see clients by appointment only  
to ensure your privacy  
Our Hours   Chapter 7It is a process under federal law by which you are entitled a fresh start.  It  eliminates most kinds of unsecured debt and is usually designed for someone with  few assets.
Monday thru Friday              
9:00 am thru 5:00 pm   Chapter 13Is an interest-free 3 to 5 year debt repayment plan whereby the trustee consolidates your debt and pays your creditors.  It can save your house from foreclosure or save a car from repossession.
Note:  our hours are flexible.  
Other Services We Offer   ConversionA chapter 7 case may be converted to a Chapter 13 if the debtor is eligible.
Small Businesses   CreditorAny person or business that a debtor owes money to.
        Denial of DischargeA penalty for debtor misconduct.  Debts that could have been discharged cannot be discharged in any future bankruptcy.  The administration of the case (the liquidation of assets and the recovery of avoidable transfers) continues for the benefit of the creditors.
        DischargeThe legal term for the order eliminating a debt in a bankruptcy case.  The debt is no longer legally enforceable against the debtor, but a lien that secures debt may survive the bankruptcy such as a mortgage.
        EquityA homeowner's financial interest in a property.  Equity is the difference between the value of the property, what is owed, and other liens.
        ExemptProperty that is removed from the bankruptcy estate and not available to pay to the claims of creditors.  The debtor gets to keep exempt property to make a fresh start after bankruptcy.
        ExemptionsA list of the kinds and values of property that each state allows debtors to keep that is beyond the reach of the trustee and creditors.
        FCRA.  Fair Credit Reporting Act
        FDCPA.  Fair Debt Collections Practices Act
        GarnishmentA court ordered method of debt collection after a judgment is entered against the debtor.
        No asset caseA Chapter 7 case in which the trustee determines that there is no significant assets to liquidate.  The debtor retains all real and personal property.
        Non-dischargeableA debt that cannot be eliminated (discharged) in bankruptcy. 
        Personal propertyProperty that is not real property or affixed to real property, such as cars, furniture, stocks, bonds, and bank accounts.
        Preference. A transfer to a creditor in payment of an existing debt made with certain time periods before the bankruptcy was filed.  Preferences may be recovered by the trustee for redistribution among the creditors.
        Pre-petitionClaims or events that occurred before the beginning of the bankruptcy was filed.  Generally, only pre-petition debts may be discharged in a bankruptcy proceeding.
        Priority ClaimsCertain debts, such as unpaid wages, spousal or child support, and taxes are elevated in the payment hierarchy under the Bankruptcy Code.  Priority claims must be paid in full before unsecured debts.
        Proof of ClaimDocument a creditor files showing how much money is owed to them by the debtor, together with all supporting evidence of the claim.
        Property of the estate.   The property that is not exempt and belongs to the bankruptcy estate.  Property of the estate is usually sold by the trustee and the claims of creditors paid from the proceeds.
        ReaffirmThe debtor can choose to reaffirm debts that would otherwise be discharged by the bankruptcy.  Generally, when a debt is reaffirmed a hearing is required and all parties must agree--the debtor, creditor, and bankruptcy court.  The debtor is obligated to pay the debt in full and the creditor can sue or repossess the property if the debtor does not pay.
        Relief of stayA creditor can ask the judge to lift the automatic stay and permit some action against the debtor or the property of the estate.  If the motion is granted, the moving party (but no one else) is free to take whatever action the court permits.  Relief can be absolute, for example permitting the creditor to foreclose on property, or limited allowing the recordation of a notice of default.
        Secured debtA secured debt is when the creditor takes personal or real property as collateral. A creditor whose debt is secured has a right to take property to satisfy a debt that is in default.
        TrusteeA private individual or corporation appointed in bankruptcy filings who represents the interests of both the debtor and creditors.
        UnsecuredA debt is unsecured if there is no collateral that is security for the debt.  Most consumer debts are unsecured debts.
        Unsecured debt.  A debt is unsecured if you have simply promised to pay a creditor a sum of money at a particular time and have not pledged any real or personal property as collateral for that debt.  Generally, credit cards, utility bills, and medical bills are unsecured.


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