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According to recent studies, there are five main reasons why people file for bankruptcy: medical expenses, job loss, excess (or poor) use of credit, divorce, and major unexpected expenses. As a result, thousands of individual consumers throughout Florida have found themselves in need of debt relief assistance. If you are facing a similar situation, we encourage you to contact Boss Law immediately.

Contact our office today at (727) 800-4498 for a free, no-obligation debt relief consultation.

Exploring Your Unique Options for a Brighter Financial Future

Whatever your financial situation may be, it is important to remember that every situation is unique. As such, every solution will be different. Our St. Petersburg bankruptcy lawyers know this full well, and always work personally with clients to help them better understand their current situation, their available options, and what we plan to do to help them reach better financial health.

While we explore the option of bankruptcy, we also help you explore other debt relief options that may better fit your situation and provide you with a better outcome. This includes options like debt settlement, debt consolidation, loan modifications, foreclosure defense, and more. We help you find a lasting solution tailored to your needs.

Chapter 7 Bankruptcy vs. Chapter 13 Bankruptcy

  • Chapter 7 is the type of case filed most often by individuals seeking debt relief in Florida. Through Chapter 7, a consumer has the ability to obtain a discharge of most, if not all, of their debts. This means that the bankruptcy court will release a consumer from any further liability or responsibility for certain debts. Prior to filing, however, a consumer must participate in credit counseling.
  • Chapter 13 is also available to individual debtors. Through Chapter 13, a plan is developed through which a consumer pays back their debts. A monthly payment amount is established, together with the length of time the plan will be in place. Provided the debtor complies with the terms of the plan, creditors are not able to initiate any further collection activity against that individual.

How an Automatic Stay Works in Bankruptcy Cases

When considering bankruptcy options, it is important for a consumer to understand the automatic stay order issued by the court. The automatic stay order becomes effective immediately upon the filing of a petition in either a Chapter 7 or Chapter 13 bankruptcy case. This order prevents creditors from taking any further action against a debtor without further order from the court.

Call Boss Law for the Experienced Representation You Need

Residents in St. Petersburg, Florida need to understand the importance of retaining the services of a skilled and experienced bankruptcy attorney. The fact is that this type of legal matter is far more than merely filling out forms. Rather, it involves strategy, negotiation, and effective representation before the court trustee and the court itself. This is best accomplished by engaging the services of a lawyer with an established reputation and significant depth of experience in this area of the law.

Our attorneys serve clients throughout St. Petersburg, Vero Beach, and the surrounding areas of Florida. We’re prepared to help with all your debt-related matters, including creditor harassment, to help put you on the path to a brigher financial future.

Are you ready to discuss your case with a bankruptcy attorney at Boss Law? Contact our office today to request your free, no-obligation debt relief consultation. Our team is ready to help you through this difficult time.

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