Our Areas Of Practice
When you file for Chapter 7 or Chapter 13 bankruptcy, most types of collection actions will stop thanks to the automatic stay. Completing a Chapter 7 or Chapter 13 bankruptcy will in most cases allow you to discharge unsecured debts, including credit card debt, medical debt, and signature loans.
Our firm exclusively handles bankruptcy cases, and we have assisted with thousands of filings. When you come to Charles G. Moore PA, we will evaluate whether bankruptcy is right for you, walk you through what the process will entail, and review what types of debt you can expect to eliminate. If you have questions about the basics of bankruptcy or how it works, we encourage you to review our FAQ.
Contact us onlineor at 727-353-0054 to request your free consultation. Our Bankruptcy Services in St. Petersburg Include Legal Assistance With:
Learn more about our bankruptcy services in St. Petersburg by contacting us online or calling . We offer same-day appointments and are available to take calls 24/7.
Debt Collectors Have A New Tool: Social Media
Under new rules passed by the Consumer Financial Protection Bureau , debt collectors can start reaching out to struggling consumers via Facebook, Twitter, and other social media channels. Thankfully, they face some restrictions. For example, the messages must be private, meaning none of your social media friends or the public should be able to see it. In addition, you must be allowed to opt out of receiving the messages.
However, one caveat seems more like a burden on the consumer. Before collectors can report a defaulted debt to a credit agency, they must either speak to the borrower in person or by telephone, or wait 14 days after sending a letter or electronic communication. Unfortunately, social media is considered electronic communication, which keeps consumers on the hook for monitoring their social media for notices from debt collectors.
End the Harassment
In addition to putting you on a better financial footing, filing for bankruptcy can put an end to creditor harassment. We can help struggling consumers and businesses in Lakeland, St. Petersburg, Bartow, and throughout Polk County put their lives back on track.
The Importance Of A Good Consultation
The goal of an initial consultation is to find an attorney you are comfortable working with and someone who can help you understand your options under the law. Seek to understand the relevant legal experience the attorney brings to your case. While it is not realistic to expect an attorney to resolve your legal issue during an initial consultation, you should gain a level of comfort with his/her ability to do so. A good consultation can clarify issues, raise pertinent questions and considerations for your case, and help you make an informed decision towards resolving your legal issue.
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File For Bankruptcy In St Petersburg
Filing For Bankruptcy Can Get You Back On Track
Bankruptcy Legal provides individuals with legal counsel that inspires a true sense of hope. If youre looking for experienced, supportive and personalized legal counsel were here to help. Get connected with a bankruptcy attorney in St. Petersburg, FL who understands the emotional and financial challenges involved in filing for bankruptcy. At Bankruptcy Legal, you can get the answers you need to move forward and the peace of mind that comes with knowing your rights are protected. Its time to take action, today.
St Petersburg Bankruptcy Attorney
Our St Petersburg bankruptcy attorneys can help determine if filing for bankruptcy is in your best interest. Many people today find themselves facing financial burdens because of unforeseen circumstances that occurred due to a loss of employment or other unfortunate events such as divorce or medical disability. If you are among the many people today unable to make ends meet and lack the ability to fulfill your financial obligations contact us today for a free bankruptcy consultation.
Many families today are at risk of losing their homes and most of the time this is directly related a loss of job or layoff. Many people are unable to find steady new employment that pays the same wages leaving a debtor in financial distress.
Keep in mind that bankruptcy should always be used as a last option only when all other potential solutions have been tried.
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Want To Check Lawyer Discipline
It is always a good idea to research your bankruptcy lawyer prior to hiring. Every state has a disciplinary organization that monitors attorneys, their licenses, and consumer complaints. By researching lawyer discipline you can:
- Ensure the attorney is currently licensed to practice in your state
- Gain an understanding of his or her historical disciplinary record, if any.
- Determine the seriousness of complaints/issues which could range from late bar fees to more serious issues requiring disciplinary action.
Stop Creditor Harassment With Bankruptcy
Whether filing Chapter 7 or Chapter 13, bankruptcy puts an immediate stop to creditor harassment and the constant calls and threats of bill collectors. Once you file for bankruptcy, all collection activity must cease, and creditors must obey the courts automatic stay on collections. This includes not just calls and letters but also attempts at foreclosure, repossession, wage garnishments, liens and other collection methods. Filing for bankruptcy gives you the breathing room to step back and take control of your finances on your terms, rather than being at the mercy of creditors and bill collectors.
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See If Youre Eligible
If you think you may qualify for free legal aid help, you should call your local legal aid organization rather than guess whether you qualify for free help or not.
Most legal aid organizations require you to beincome eligible. This means that they can only assist you if you make less than a certain amount of money.
Although it varies, most legal aids help people below 200% of the poverty line or below 125% of the poverty line.
- At 200%, that is about $24,280 for an individual or $50,200 for a family of four.
- At 125%, that is about $15,175/year for an individual and $31,375/year for a family of four.
Bankruptcy Attorney Offering Chapter 13 Bankruptcy Advice
Our team is able to offer assistance with any type of bankruptcy if you have a complex set of financial circumstances, or feel that your situation is a particularly challenging one, we can often still provide an appropriate solution. Our bankruptcy lawyer offers a FREE initial consultation. Even if you are not sure that bankruptcy is going to be right for you, or are just beginning to get into financial difficulties and just want to know more about what options are available, it is always worth discussing your options with a member of our team.
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What Is Legal Aid
Navigating the legal system can be frustrating and complicated, especially if youâve never done it before.
Legal aid organizations help low-income people get the legal help they need but often canât afford.
Legal aid organizations and are in place to address a variety of legal problems under one roof. These often include: tenant-landlord issues, debt collection lawsuits, domestic abuse cases, immigration, etc.
If your local legal aid organization canât help you with your specific bankruptcy issue, they can probably refer you to another organization or service in the Saint Petersburg, FLarea that can.
Itâs not uncommon for these organizations to have waiting lists, but sometimes they do not. When you do reach out, you may be put on hold or need to give them a couple of calls.
Keep in mind that the time you put into figuring out if you qualify may save you thousands of dollars.
If youâre wondering whether your local legal aid organization will take your case, the best thing you can do is give them a call and ask.
Below are some of the guidelines that legal aids use to see if youâre eligible.
Make A Fresh Start With Chapter 7
A Chapter 7 straight bankruptcy offers a way to get out of debt and start over with a clean slate. In Chapter 7, all of your unsecured debt can be discharged, meaning you will no longer be responsible to repay the debt. Examples of unsecured debt include credit card debt and medical debt. Certain types of tax debt can also be discharged, and despite what you may have heard, student loan debt can even be discharged in some situations. The first step is calling the Law Office of Stephen Barszcz to talk about your specific situation and your unique needs.
In theory, Chapter 7 bankruptcy allows the bankruptcy trustee to collect and sell your non-exempt property and use those funds to repay your creditors before you can receive any discharge of debt. However, Florida bankruptcy exemptions provide a number of different exemptions that protect your property from being liquidated or sold. Well walk you through the Florida bankruptcy exemptions and examine your assets. In most cases, we can file your case as a no-asset bankruptcy, and you wont have to sell any property to get your debt discharged. Well also walk you through the bankruptcy means test to make sure youre eligible to file for Chapter 7. If youre not eligible, well talk to you about how you may benefit from a Chapter 13 bankruptcy.
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Bankruptcy Lawyers In Saint Petersburg Florida Can Help You
If you’re experiencing severe financial difficulties, bankruptcy can provide a path to debt relief and help you get a fresh start. Whether you are just starting to consider bankruptcy or have already filed, getting a bankruptcy lawyer involved can help you maximize the benefits afforded to you by the United States Bankruptcy Code. We’ve assembled a list of trusted local lawyers that you can use to find the right Saint Petersburg bankruptcy attorney to help you stop wage garnishment, prevent creditor harassment, get debt relief, and protect your property.
What Questions Should I Ask A Bankruptcy Lawyer
Not sure what to ask a bankruptcy lawyer? Here are a few sample questions to get you started:
- How long have you been in practice?
- How many bankruptcy cases have you handled?
- How much does a bankruptcy filing cost? How much of that cost is attorney fees vs. filing fees?
- Where is your office in Saint Petersburg located?
- What are the next steps?
How To File For Bankruptcy In Florida
One of the benefits of working with a St. Petersburg bankruptcy lawyer at our firm is that we will immediately provide you with creditor harassment representation, as a part of your bankruptcy case. We can help to stop creditor abuse as well as seek financial compensation for violations of the Fair Debt Collection Practices Act, Florida Consumer Collection Practices Act or Telephone Consumer Protection Act. In dealing with any case we take on, we strive to provide personalized attention in order to better represent our clients unique interests.
We also provide clients with resources and representation for bankruptcy-related matters such as the following:
Chapter 7 Bankruptcy Attorney Barbara Cusumano: Compassionate To Clients Tough On Creditors
Throughout the filing process, I will treat you with dignity, kindness, and compassion. However, I will be tough on your creditors. As soon as we file your case all those harassing creditor calls stop just like that. The stress is over. As your bankruptcy lawyer, I will do everything in my power to protect everything you have worked so hard to acquire and wipe out your debt as quickly as possible.
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File Bankruptcy Online In St Petersburg Fl
Barbara Cusumano assists clients with their online bankruptcy filings in St. Petersburg and throughout Central and North Florida. No office appointments are required, bankruptcy case numbers are generated on the spot, and creditors are notified within a week of filing. Just imagine you could be out of debt in as little as 90 days!
Innovative Strategies & Representation For Debt Relief & Creditor Harassment
If you are currently struggling with debt, then it is likely that you are left feeling overwhelmed, frightened, and isolated. Whether you are living under the constant umbrella of fear associated with harassment from creditors attempting to collect or if you are simply struggling to make ends meet with limited means, you deserve to find a solution for your debt relief. Although it has garnered a negative social stigma over the years and is surrounded by various different myths, bankruptcy can in fact be a viable and effective solution to helping you gain control over your finances once more.
Our firm is the best choice to help in your financial situation:
- We are an AV® Preeminent Rated Law Firm
- We have an A+ Rating from the Better Business Bureau
- Attorney Leavengood has a 10.0 Superb Avvo Rating
- Attorney Leavengood was selected to Super Lawyers Rising Stars for 2 years
- Attorney Leavengood has been recognized as one of The Best Lawyers in America®
- LeavenLaw has been recognized as one of The Best Law Firms®
We believe it is of the utmost importance to fully understand each clients particular needs and concerns in order to accurately assess and effectively address their situation to the best of our ability. When you work with a bankruptcy attorney at our firm, you will have the benefit of our personal attention and exceptional service every step of the way.
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Complete Your Debtor Education
Before receiving a bankruptcy discharge, there are a couple of courses that are typically required. The bankruptcy code calls these requirements a debtor education program. In most cases, you may be required to take a course before you file your paperwork and go to a hearing with the bankruptcy court.
Affordable Bankruptcy Attorney St Petersburg Fl
If youre looking for an affordable bankruptcy attorney St. Petersburg FL, turn to the local law firm of Michael A. Ziegler, P.L. We represent indebted consumers average men and women who require professional help in dealing with serious financial problems.
Whether your money woes stem from a job loss, divorce, serious injury or illness, or any other reason our team of affordable bankruptcy attorneys will help you.
Mike is an experienced legal professional who can potentially help you turn your financial fortunes around.
Though its a powerful tool, bankruptcy isnt necessarily the best option for all people with debt problems.
Only after thoroughly evaluating your case will he be able to say whether you are a good candidate for federal bankruptcy protection.
If any of the following apply to you, filing for bankruptcy can, indeed, be highly beneficial:
- Your have fallen behind on multiple debts
- You have lost your job and cannot repay your loans
- You home in St. Petersburg, FL, is under water
- Your wages are being garnished by court order
- You face the prospect of losing your home to foreclosure
- Continue to receive overwhelming medical bills in the mail
- Repeatedly receive telephone calls and letters in the mail from creditors demanding payment
Since 2012, the Law Office of Michael A. Ziegler, P.L. has helped local consumers control or eliminate debt through bankruptcy and other legal alternatives to bankruptcy.
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Dedicated Attorney Serving Clients Throughout Pinellas County
If you are drowning in debt or are in danger of losing your assets, bankruptcy may be able to provide the relief you need. Bankruptcy can stop most collection actions, eliminate debt, and give you the tools you need to reorganize your finances.
Our bankruptcy services in St. Petersburg are designed to help individuals and families take advantage of the relief available to them under the law. Our attorney has 30 years of legal experience and will work closely with you every step of the way. We know that you are going through a difficult time and are determined to provide the attentive, empathetic representation you deserve.
Schedule a free initial consultation with our team at Charles G. Moore PA by calling or contacting us online.
Chapter 7 Bankruptcy Attorneys Near Me
We have been serving individuals and businesses in and around St Petersburg for quite some time now. Our team is committed to providing the very best Chapter 7 bankruptcy counsel that we can, as well as offering plenty of care and assistance to our clients. We understand how stressful and demoralizing bankruptcy can be, which is why we do everything we can to be there for our clients during this difficult period of their lives.
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Affordable Bankruptcy Legal Fees Is A Phone Call Away
We understand that filing for bankruptcy or even considering bankruptcy as an option can be a bit overwhelming for many individuals. Our Bankruptcy attorney understands bankruptcy law and knowing you have a qualified bankruptcy attorney on your side will not only alleviate the worry but he can help guide you in making the correct decisions concerning your current financial situation. Our St Petersburg bankruptcy attorney will give you the respect and individual attention you deserve.
Keep Your Vehicle During Bankruptcy In St Petersburg
St. Petersburg auto repossessions are not uncommon. You may be able to keep your vehicle even if you are behind on payments and facing auto repossessions. Contact a bankruptcy lawyer in St. Petersburg immediately to file an adversary proceeding with the bankruptcy court. It is important to seek legal advice before you contact your creditor or make arrangement to pay the debt since doing so may affect your eligibility for bankruptcy.
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