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relationship. Persons accessing this site are encouraged to seek independent counsel for advice regarding their individual legal issues. The hiring of a lawyer is an important decision that
should not be based solely on advertisements. Before you decide, ask us to send you free written information about our qualifications.
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Attorneys and Debt Counselors
3019 West Azeele St. Tampa, FL 33609
Tel. (813) 876-3328
Fax (813) 876-3306
3019 West Azeele St. Tampa, FL 33609
Tel. (813) 876-3328
Fax (813) 876-3306
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Foreclosure help, Tampa Bankruptcy Attorney. Lawyers for Debt Negotiation.
According to RealtyTrac, U.S. home foreclosures increased 112 percent between the first quarters of 2007 and
2008. The Tampa Bay region is one of the hardest hit areas in Florida and the rest of the Country. Obviously,
foreclosure help in Tampa, Florida is desperately needed, but many nervous homeowners are not sure where to
turn or who to trust. In addition, a lot of people facing foreclosure in Tampa, FL may not realize that a bankruptcy
attorney can help them avoid foreclosure.
How can you receive foreclosure help by filing bankruptcy? Through something called an “automatic stay.” An
automatic stay is issued when you file a Chapter 7 or Chapter 13 bankruptcy. The automatic stay gives you
protection against your creditors until the bankruptcy court has time to consider everyone’s rights in the case. As
long as the automatic stay is in place, your creditors—including your mortgage lender—cannot take action against
you. During an automatic stay, you will be protected from collection calls, repossession, and foreclosure.
The foreclosure help you receive from an automatic stay may be limited. In a Chapter 7 bankruptcy case, the
automatic stay expires when your debts are discharged. This may only take a couple months, and then your
mortgage lender would be allowed to continue with the foreclosure of your home.
2008. The Tampa Bay region is one of the hardest hit areas in Florida and the rest of the Country. Obviously,
foreclosure help in Tampa, Florida is desperately needed, but many nervous homeowners are not sure where to
turn or who to trust. In addition, a lot of people facing foreclosure in Tampa, FL may not realize that a bankruptcy
attorney can help them avoid foreclosure.
How can you receive foreclosure help by filing bankruptcy? Through something called an “automatic stay.” An
automatic stay is issued when you file a Chapter 7 or Chapter 13 bankruptcy. The automatic stay gives you
protection against your creditors until the bankruptcy court has time to consider everyone’s rights in the case. As
long as the automatic stay is in place, your creditors—including your mortgage lender—cannot take action against
you. During an automatic stay, you will be protected from collection calls, repossession, and foreclosure.
The foreclosure help you receive from an automatic stay may be limited. In a Chapter 7 bankruptcy case, the
automatic stay expires when your debts are discharged. This may only take a couple months, and then your
mortgage lender would be allowed to continue with the foreclosure of your home.
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However, with a Chapter 13 bankruptcy, the automatic stay remains in effect for the life of your Chapter 13
repayment plan, which could be up to 5 years. As long as you make payments as agreed in the Chapter 13 plan,
you can stay in your home and avoid foreclosure. After you are finished making the payments in your Chapter 13
bankruptcy plan, you should be able to keep your home as long as you continue to make mortgage payments.
One final note: do not seek foreclosure help from bankruptcy scam operators. In the Tampa, FL area, you may
have seen advertisements targeting people who are having trouble paying their mortgages. Sometimes calling
themselves a “foreclosure service” or “mortgage consultant,” these scams will ask you to pay your mortgage
payments directly to them. They may also ask for the deed to your home. Meanwhile, the scam operator will file a
bankruptcy in your name, usually without your knowledge. During the brief time that the fraudulent bankruptcy case
stops foreclosure of your home, the bankruptcy scam pockets your money and leaves. This means you could lose
your home and the money you paid to the scam, in addition to having a bankruptcy on your record.
If you need foreclosure help in the Tampa, FL area, contact a Tampa bankruptcy lawyer for assistance. Attorneys
and Debt Counselors offers a free initial consultation to anyone considering bankruptcy in the Tampa Bay area,
including homeowners who may use bankruptcy as a way to help them avoid foreclosure. Please contact us at
(813) 876-3328 or e-mail pdc@bkrptlaw.com for more information.
repayment plan, which could be up to 5 years. As long as you make payments as agreed in the Chapter 13 plan,
you can stay in your home and avoid foreclosure. After you are finished making the payments in your Chapter 13
bankruptcy plan, you should be able to keep your home as long as you continue to make mortgage payments.
One final note: do not seek foreclosure help from bankruptcy scam operators. In the Tampa, FL area, you may
have seen advertisements targeting people who are having trouble paying their mortgages. Sometimes calling
themselves a “foreclosure service” or “mortgage consultant,” these scams will ask you to pay your mortgage
payments directly to them. They may also ask for the deed to your home. Meanwhile, the scam operator will file a
bankruptcy in your name, usually without your knowledge. During the brief time that the fraudulent bankruptcy case
stops foreclosure of your home, the bankruptcy scam pockets your money and leaves. This means you could lose
your home and the money you paid to the scam, in addition to having a bankruptcy on your record.
If you need foreclosure help in the Tampa, FL area, contact a Tampa bankruptcy lawyer for assistance. Attorneys
and Debt Counselors offers a free initial consultation to anyone considering bankruptcy in the Tampa Bay area,
including homeowners who may use bankruptcy as a way to help them avoid foreclosure. Please contact us at
(813) 876-3328 or e-mail pdc@bkrptlaw.com for more information.
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The latest foreclosure statistics in Florida...
According to Realty Trac, in August of 2011, the average Foreclosure Sales Price in Florida was $122,572. The national average was
$170,993. Also in August of 2011, Florida had the second highest amount of foreclosure filings in the Nation following only California.
According to Realty Trac, in August of 2011, the average Foreclosure Sales Price in Florida was $122,572. The national average was
$170,993. Also in August of 2011, Florida had the second highest amount of foreclosure filings in the Nation following only California.
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