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Cost File Bankruptcy | Debt Consolidation | Discharge
How long does it take to file bankruptcy?
What does it cost to file bankruptcy?
What about my property? Can I keep my house? Can I keep my car?
I have filed bankruptcy before, can I file bankruptcy again?
Should I just try debt consolidation or should I file bankruptcy?
Can I obtain a discharge of all debts?
What happens after I file bankruptcy?
When and where do I go to court?
Can I pick which credit cards to list on my bankruptcy petition?
I co-signed a loan for a relative. How is that treated?




How long does it take to file bankruptcy?

A Chapter 7 case takes 5 months. A Chapter 13 case ususally lasts from two to five years.

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What does it cost to file bankruptcy?

The filing fee for a Chapter 7 is $299.00. The Chapter 13 filing fee is $274.00. The attorney’s fee will depend upon the complexity of your case. I offer free initial consultations to evaluate your case and to discuss fees and payment options

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What about my property? Can I keep my house? Can I keep my car?

Generally, if you can afford the monthly payments, you can keep property, house and cars, which are collateral for these loans. If you own property free and clear, then the value of such property needs to qualify for exemptions available to you when you file bankruptcy. At the initial consultation, we will discuss the exemptions applicable to your case.

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I have filed bankruptcy before, can I file bankruptcy again?

If your previous Chapter 7 case was filed more than eight years ago, you are eligible to file Chapter 7 again and receive a discharge. Chapter 13 cases work differently and need to be evaluated based upon the relief you are seeking.

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Should I just try debt consolidation or should I file bankruptcy?

Unfortunately, debt settlement companies are taking advantage of hard working individuals who are trying to do the right thing and repay their debts. They tell you what you want to hear. What they do not tell you, is that they offer you no protection from your creditors while you are making payments under the plan. Your debts continue to accrue interest and penalties and are negativley reported on your credit report. Each week, I meet with individuals who have been sued by creditors that they thought were included in the debt settlement plan. Talk to me before entering into plan to repay your debts.

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Can I obtain a discharge of all debts?

Credit cards and medical bills are the most common debts listed and eligible for discharge. Student loans and alimony and child support are generally not dischargeable. Income taxes can be discharged under special circumstances.

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What happens after I file bankruptcy?

Bankruptcy cases in the Middle District of Florida are filed electronically. Immediately upon filing your case is assigned a case number and you are protected by the automatic stay which stops all collection actions (wage garnishments, repossessions, harassing phone calls).

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When and where do I go to court?

Approximately thirty days after your case is filed, you are required to attend the meeting of creditors. At this meeting you are examined by the trustee assigned to your case. As your attorney, I will represent you at this meeting.

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Can I pick which credit cards to list on my bankruptcy petition?

You are required to list all of your liabilities. A basic concept of bankruptcy is that you cannot show a preference for one creditor over another.

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I co-signed a loan for a relative. How is that treated?

Your discharge only relates to your individual liability. Other makers of the loan will continue to be liable for the payments even though you filed bankruptcy.

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