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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
BANKRUPTCY ATTORNEYS SERVING:
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TAMPA
CLEARWATER
CLEARWATER
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BRANDON
ST. PETERSBURG
TARPON SPRINGS
TARPON SPRINGS
RIVERVIEW
LAKELAND
LAKELAND
CHAPTER 7 BANKRUPTCY
CHAPTER 11 BANKRUPTCY
CHAPTER 13 BANKRUPTCY
BANKRUPTCY ATTORNEY
CLEARWATER BANKRUPTCY
ST. PETE BANKRUPTCY
CREDIT AFTER BANKRUPTCY
BANKRUPTCY FAQ
NEW BANKRUPTCY LAWS
CAN I FILE FOR BANKRUPTCY
BANKRUPTCY DEBT RELIEF
BANKRUPTCY EXEMPTIONS
BANKRUPTCY FILING FEE
CHAPTER 11 BANKRUPTCY
CHAPTER 13 BANKRUPTCY
BANKRUPTCY ATTORNEY
CLEARWATER BANKRUPTCY
ST. PETE BANKRUPTCY
CREDIT AFTER BANKRUPTCY
BANKRUPTCY FAQ
NEW BANKRUPTCY LAWS
CAN I FILE FOR BANKRUPTCY
BANKRUPTCY DEBT RELIEF
BANKRUPTCY EXEMPTIONS
BANKRUPTCY FILING FEE
TOPICS IN THIS SECTION
St. Petersburg Bankruptcy Attorney
For years our bankruptcy firm has assisted people and businesses throughout the Tampa Bay area, including
clients in Saint Petersburg. Our St. Pete bankruptcy clients are often surprised to learn that, with the assistance of
a bankruptcy lawyer, it is easy and affordable to liberate themselves from the financial burdens that have caused
them so much worry and stress. By meeting with a bankruptcy attorney from Attorneys and Debt Counselors, we
can show you how to erase some or all of your debt, keep your exempt assets, as well as stop foreclosure and
vehicle repossession in St. Petersburg, Florida.
First, a bankruptcy attorney from our firm can advise you on which chapter of bankruptcy you qualify for in St.
Petersburg. For example, Chapter 7 bankruptcy arranges for a person’s non-exempt assets to be sold, or
liquidated, and the money applied to debt. In most cases, Chapter 7 bankruptcy filers are able to erase their debts
and keep their personal property because much of it is legally exempt from liquidation. In a nutshell, Chapter 7
bankruptcy helps people to be liberated from credit cards, medical bills, and other unsecured debt, which offers
the freedom to pay for and hold onto their legally exempt homes and vehicles.
Chapter 13 bankruptcy is for St. Petersburg residents who, according to the court, earn enough income to repay a
percentage of their debts over a 3-5 year plan. Chapter 13 offers a way for people to catch up on mortgage and car
loan payments, which stops home foreclosure and vehicle repossession.
Chapter 11 bankruptcy is mainly designed for St. Petersburg businesses. Chapter 11 is also known as a
corporate reorganization bankruptcy. In addition to being filed by businesses, rarely Chapter 11 may also be filed
by individuals with high incomes and valuable assets.
A bankruptcy lawyer from Attorneys and Debt Counselors will gladly sit down for a free consultation with St.
Petersburg individuals and businesses to discuss all the options available. Our firm provides personalized,
affordable service and we are committed to helping Tampa Bay area residents avoid foreclosure, repossessions,
creditor harassment, and more through bankruptcy and debt negotiation.
If you have questions about bankruptcy in Saint Petersburg, we invite you to call us at (813) 876-3328 for a free
initial consultation with a bankruptcy attorney. We are located in central Tampa, a quick trip across the Gandy
Bridge or the Howard Frankland Bridge. For your convenience, we also are available for Saturday appointments.
clients in Saint Petersburg. Our St. Pete bankruptcy clients are often surprised to learn that, with the assistance of
a bankruptcy lawyer, it is easy and affordable to liberate themselves from the financial burdens that have caused
them so much worry and stress. By meeting with a bankruptcy attorney from Attorneys and Debt Counselors, we
can show you how to erase some or all of your debt, keep your exempt assets, as well as stop foreclosure and
vehicle repossession in St. Petersburg, Florida.
First, a bankruptcy attorney from our firm can advise you on which chapter of bankruptcy you qualify for in St.
Petersburg. For example, Chapter 7 bankruptcy arranges for a person’s non-exempt assets to be sold, or
liquidated, and the money applied to debt. In most cases, Chapter 7 bankruptcy filers are able to erase their debts
and keep their personal property because much of it is legally exempt from liquidation. In a nutshell, Chapter 7
bankruptcy helps people to be liberated from credit cards, medical bills, and other unsecured debt, which offers
the freedom to pay for and hold onto their legally exempt homes and vehicles.
Chapter 13 bankruptcy is for St. Petersburg residents who, according to the court, earn enough income to repay a
percentage of their debts over a 3-5 year plan. Chapter 13 offers a way for people to catch up on mortgage and car
loan payments, which stops home foreclosure and vehicle repossession.
Chapter 11 bankruptcy is mainly designed for St. Petersburg businesses. Chapter 11 is also known as a
corporate reorganization bankruptcy. In addition to being filed by businesses, rarely Chapter 11 may also be filed
by individuals with high incomes and valuable assets.
A bankruptcy lawyer from Attorneys and Debt Counselors will gladly sit down for a free consultation with St.
Petersburg individuals and businesses to discuss all the options available. Our firm provides personalized,
affordable service and we are committed to helping Tampa Bay area residents avoid foreclosure, repossessions,
creditor harassment, and more through bankruptcy and debt negotiation.
If you have questions about bankruptcy in Saint Petersburg, we invite you to call us at (813) 876-3328 for a free
initial consultation with a bankruptcy attorney. We are located in central Tampa, a quick trip across the Gandy
Bridge or the Howard Frankland Bridge. For your convenience, we also are available for Saturday appointments.
| Experienced and Affordable, Personal Service. |
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What is the Means Test?
The means test is actually a two-part test.
Test 1 - Median Income
This test compares your average household income for the past six calendar months to the median income for your state. If your
income is below the median, you qualify for Chapter 7. If it is above the median, you must pass test 2.
Test 2 – Disposable Income
This test deducts expenses from your income to determine how much you can pay your unsecured creditors over the next five years.
If you do not qualify for Chapter 7 Bankruptcy, you may be able to file for Chapter 13.
The means test is actually a two-part test.
Test 1 - Median Income
This test compares your average household income for the past six calendar months to the median income for your state. If your
income is below the median, you qualify for Chapter 7. If it is above the median, you must pass test 2.
Test 2 – Disposable Income
This test deducts expenses from your income to determine how much you can pay your unsecured creditors over the next five years.
If you do not qualify for Chapter 7 Bankruptcy, you may be able to file for Chapter 13.
| Bankruptcy Attorney Tampa, St. Pete, Clearwater |