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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

  What Can I Keep If I File Bankruptcy
Chapter 7              
Chapter 7 vs. 13  

Most people are reluctant to declare bankruptcy for fear of losing their home, their car, or their personal possessions. In reality, you may be able to keep most of your things, depending on the kind of bankruptcy your file for and the specifics of your case.

Means Test  
Top 10 Mistakes  
Filing Fee Waiver              
Bankruptcy Glossary  

Homeowners are allowed a $1,000.00 exemption for personal property and they are allowed to claim their homestead exemption.  Married debtors filing jointly double that amount.  Non-homeowners and homeowners who chose to surrender their home are also allowed a $1,000.00 personal property exemption PLUS an additional $4,000.00 wild card exemption that they can apply to any of their personal property to level the playing field thus protecting their property from creditors.  Married debtors filing jointly double that amount.

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Frequently Asked Questions

 
Should I File  
Credit Reports  
What Can I Keep              
Can One Spouse File   Chapter 7 Bankruptcy
Taxes & Student Loans  

Under the terms of Chapter 7 bankruptcy, most of your unsecured debt should be discharged but only a bankruptcy judge can determine what debts can be forgiven, that is, eliminated.

Bankruptcy Myths  
                   

Debt Collection

 

But if you  exceed your exemptions (what you are allowed to keep) then your trustee may sell some of your personal items and property in order to pay creditors all or a portion of what you owe.  Alternatively your trustee may allow your property and pay the court the value of it over a period of time usually not to exceed 6 months.

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Worst Debt Collectors              
       

Workers' compensation benefits, Social Security income, assets from a prepaid college fund, and retirement funds are usually exempt.

Our Location  
2808 Beach Blvd South #9              
Gulfport, FL  33707  

If you are caught up on your house or car payments and agree to continue making payments until it is paid in full, you will likely be able to keep it but a bankruptcy judge must approve it.

   
We see clients by appointment only              
to ensure your privacy    
     
Our Hours   Chapter 13 Bankruptcy
Monday thru Friday  

Since Chapter 13 involves a restructuring of your debt, it is frequently used to allow you to keep your home, cars, and personal property under its terms.

9:00 am thru 5:00 pm  
               
Note:  our hours are flexible.  

In Chapter 13, a trustee is appointed by the court after you file. You will be required to repay a percentage of what you owe over a 3 or 5 year period. As such, any debt owed on credit cards or loans will be incorporated into the terms of your repayment plan. The court will not need to sell your property since the debt against it will be paid down according to the terms of your Chapter 13 repayment plan. Additionally, you should be able to keep your home since Florida provides a generous homestead exemption.

       
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