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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


Important Links
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List of  Info
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Bankruptcy In Plain English

  How to Read & Interpret Your Credit Report
Chapter 7    
Chapter 7 vs. 13  

Your credit report can be your best friend or your worst nightmare depending on the amount of debt you have, how old your debt is, and your ability to interpret your credit report.

Means Test  
Top 10 Mistakes              
Filing Fee Waiver  

The FTC set up a website (www.annualcreditreport.com) that allows you can get a free credit report once a year from all 3 reporting agencies.  Smart people pull one free report every 4 months so they can stay on top of any discrepancies because even a small inaccuracy can cause your car insurance premium to increase along with the interest rate you pay for credit cards.

Bankruptcy Glossary  
Bankruptcy Court Info  

Frequently Asked Questions

Should I File   What does CHARGE OFF mean? 
Credit Reports   You still owe the debt.  If no payment is received on an account after 180 days creditors are required by law to charge off the account to receive their tax write-off.
What Can I Keep              
Can One Spouse File   How does the 7 year clock work?  
Taxes & Student Loans  

The 7 year clock begins ticking the moment a debt  is incurred.  Every time a payment is made, the clock resets itself.  If no payments are made in 7 years, the debt must be removed from your credit report regardless of whether it was charged off, sold, or in collections.  This is the #1 reason why credit reports are inaccurate - debt purchasers & collection agencies keep resetting  the 7 year clock (known as aging) in total disregard of the Fair Credit Reporting Act. 

Bankruptcy Myths  

Debt Collection

Fair Debt Collections Practices Act  
Telephone Consumer Protection Act              
Fair Credit Reporting Act   What is Credit Repair?  
Worst Debt Collectors  

Don't fall for credit repair scams or credit watching scams! These are designed to gain access to your bank account & credit card account because there is no such thing as "instant" credit repair & you can watch your own credit report - it isn't rocket science.

Our Location  
2808 Beach Blvd South #9              
Gulfport, FL  33707   Don't fall for "free" credit reports or merged credit reports. 

The cute ads on tv offer the most pitiful excuse for credit reports we've seen.  Collection accounts do not  list who they are collecting for and accounts that were sold do not list who they were sold to therefore the reports are useless.  Merged reports are just as bad - garbage.

We see clients by appointment only  
to ensure your privacy  
Our Hours   Close your eBay and Paypal accounts! 
Monday thru Friday  

Paypal (an eBay subsidiary) pulls members credit reports and then shares all your personal information with their entire corporate family (all subsidiaries worldwide), their vendors, etc. etc. thus substantially increasing your level of risk for identity theft by leaps & bounds.  Their security must not be very good because they've been hacked many times.

9:00 am thru 5:00 pm  
Note:  our hours are flexible.  
Other Services We Offer   Tips to keep good credit & raise your score. 

Always pay early & pay more than the minimum payment.  Never co-sign for anything - especially for family members. Never pay off your credit cards - always carry over a small balance to establish a good payment record.

Small Businesses  


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