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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 In Plain English

  Chapter 7 vs Chapter 13
Chapter 7    
Chapter 7 vs. 13   The differences between Chapter 7 and Chapter 13 bankruptcy begin with the Means Test. In order to file under Chapter 7, your family income cannot exceed the Florida median income for families of a similar size.
Means Test  
Top 10 Mistakes  
Filing Fee Waiver              
Bankruptcy Glossary   If you qualify for Chapter 7, you can discharge unpaid credit cards, medical bills, certain kinds of loans, mortgages if you cannot afford your mortgage or your home is worth far less than you owe, and other forms of unsecured debt.
Bankruptcy Court Info  

Frequently Asked Questions

Should I File  

If your income is too high or your assets exceed your allowances and you wish to retain them, you can file for bankruptcy under Chapter 13. In a Chapter 13, your debt will be restructured and allow you to pay off a percentage of what you owe over a 3 or 5 year period.

Credit Reports  
What Can I Keep  
Can One Spouse File              
Taxes & Student Loans   Once the court approves your bankruptcy plan, there is very little creditors can do to force you to pay late fees, fines, or harass you as long as you stay current in your payments to the trustee. 
Bankruptcy Myths  

Debt Collection

  Home Foreclosure - Chapter 7 Bankruptcy
Fair Debt Collections Practices Act  

While filing for Chapter 7 will temporarily halt foreclosure actions, banks can still file for stay of relief, enabling them to foreclose on your home if it is clear that you will not be able to bring your past-due mortgage current and continue your other payments.

Telephone Consumer Protection Act  
Fair Credit Reporting Act  
Worst Debt Collectors              

Once your credit card and unsecured debt is discharged, you may have enough disposal income to make your mortgage payment. If you have fallen behind in your payments, most lenders will most likely require you to bring the mortgage current; if you can't do this, they will probably file a foreclosure as soon as your Chapter 7 bankruptcy is closed.

Our Location  
2808 Beach Blvd South #9  
Gulfport, FL  33707  
We see clients by appointment only   Home Foreclosure - Chapter 13
to ensure your privacy  

In a Chapter 13 bankruptcy past-due mortgage payments can be rolled into your repayment plan. However, Chapter 13 does not allow you to reduce your monthly mortgage payment. If you want to reduce your monthly mortgage payment you'll need to negotiate a loan modification. Even so, past-due mortgage payments can be included in your repayment plan so long as you are able to continue making your monthly mortgage payment.

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

Chapter 13 also allows you to discharge a large percentage of your unsecured debt and that the reduction of your total debt load may allow you regain you stability with your mortgage company so you can sleep at night.

Other Services We Offer  
Small Businesses   Personal Property - Chapter 7 vs. Chapter 13

Another important difference between Chapter 7 and Chapter 13 is how certain items of personal property are handled. In Chapter 7 bankruptcy, the court can seize and liquidate some of your personal property in order to pay your creditors a portion - or all - of what you owe them. Typically, luxury items like LCD TVs, expensive appliances, high-end electronic equipment, or expensive cars are targeted. In Chapter 13 bankruptcy, since you are required to pay a portion of your debt through a repayment plan, you may be able to avoid having your property seized or liquidated.

        Chapter 13 - Attorney Representation

Think you can represent yourself in a Chapter 13?  Forget it.  Should we discover that you do not qualify for Chapter 7 or belong in a Chapter 13 for other reasons we will refer you to a trusted attorney who is thoughtful, considerate, and well-versed in Chapter 13.



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