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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

  The Means Test
Chapter 7              
Chapter 7 vs. 13  

The Means Test was created by Congress several years ago.  It is a very complicated formula as it is designed to qualify/disqualify debtors for filing Chapter 7.  Our bankruptcy software does the calculations for us because the Means Test  is constantly changing.

Means Test  
Top 10 Mistakes  
Filing Fee Waiver              
Bankruptcy Glossary   What is Current Monthly Income (CMI)?
Bankruptcy Court Info  

This is the average monthly gross income earned in the six month period prior to filing. Included in CMI are financial gifts or assistance from family members, income from a non-filing spouse, income from all job sources, and income from a closely held business. Social Security and business expenses are excluded.


Frequently Asked Questions

Should I File  
Credit Reports              
What Can I Keep   What happens when your CMI Exceeds Florida's Median Income?
Can One Spouse File  

When your CMI exceeds the state's median income, a number of deductions can be claimed and applied against CMI. Here, a complicated formula is used to deduct certain expenses from CMI in order to determine a person's Net Monthly Income (NMI). The formula employed assumes NMI indicates the amount of money a person has each month to pay off creditors.

Taxes & Student Loans  
Bankruptcy Myths  

Debt Collection

Fair Debt Collections Practices Act  

While there are specific requirements surrounding each, the following expenses are deducted from CMI when determining net monthly income:  housing, living costs, cost of transportation, private school tuition, alimony/child support, child care, medical expenses. tax withholding, internet and phone service costs, and health savings accounts.

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If your net monthly income is greater than $166.66, you are not eligible to file for bankruptcy under Chapter 7.  However, you may apply for an adjustment in your expenses if job loss, illness, costly child care payments, or a substantial pay cut impacts your financial situation. You can apply for a special circumstances waiver which allows you to file for Chapter 7 without having to first pass the means test. You will have to convince the court your expenses are genuine and that you have no other means or alternative of discharging your debt except through Chapter 7 bankruptcy.

2808 Beach Blvd South #9  
Gulfport, FL  33707  
We see clients by appointment only  
to ensure your privacy  
Our Hours              
Monday thru Friday              
9:00 am thru 5:00 pm              
Note:  our hours are flexible.              
Other Services We Offer              
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