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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

         
727-322-5881  

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Bankruptcy In Plain English

  Can Only One Spouse File Bankruptcy?
Chapter 7    
Chapter 7 vs. 13  

When one spouse has incurred a great deal of debt in his or her name only, he or she can file for bankruptcy without requiring their spouse to do so as well.  While a non-filing spouse is not liable for a filing spouse's debt, if joint property is owned between them their estate may be not be immune to actions on the part of creditors.

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But when only one spouse needs to file for bankruptcy, the court will consider the household income of both the filing and non-filing spouse in order to determine if the filing spouse is eligible to file for Chapter 7.   In cases where a filing spouse has little disposable income but a non-filing spouse earns substantially more, the income of both will be reported on bankruptcy forms.  If the household income is more than the qualifying median income allowed for filing Chapter 7, the filing spouse may have to file under Chapter 13.

       

Frequently Asked Questions

 
Should I File  
Credit Reports  
What Can I Keep  
Can One Spouse File              
Taxes & Student Loans  

In either case, the court will consider what your current monthly income (CMI) is by deducting expenses your spouse pays that are not related to monthly household costs. After determining your CMI, the court will then determine you disposable income.  For example, if your spouse pays $500 on a car loan, $500 will be deducted from your total costs in order to determine your monthly disposable income.

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Fair Credit Reporting Act   When One Spouse must file under Chapter 13. 
Worst Debt Collectors  

If the household income of a filing spouse disqualifies him or her for Chapter 7, he or she can still file under Chapter 13. Under Chapter 13, a trustee is appointed by the court in order to administer the repayment of debt according to a plan agreed to by the filing spouse's creditors. While the non-filing spouse will not be involved in the Chapter 13 repayment plan, his or her income will be considered when determining the repayment schedule.

       
Our Location  
2808 Beach Blvd South #9  
Gulfport, FL  33707  
               
We see clients by appointment only   Credit Reports and Non-Filing Spouses.
to ensure your privacy  

In theory, any debt carried by one spouse that is his or hers alone, will not appear on the other spouse's credit report. Additionally, bankruptcy on the part of one spouse should not appear on the credit report of a non-filing spouse unless they have joint debt together.

   
Our Hours  
Monday thru Friday              
9:00 am thru 5:00 pm    
     
Note:  our hours are flexible.              
                   
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