Offices in Clearwater, Saint Petersburg and Tampa: Bankruptcy STOPS Foreclosure, Harassment and Garnishment. We Can Solve Your IRS Problems.
We can assist with Foreclosure Defense, Loan Modifications, Bankruptcy, Creditor Harassment and IRS Tax Debts (garnishments, levies etc.). Bankruptcy may not be the answer, but often it’s a solution. You may not have to file – Find out your options for FREE. We offer Night and Weekend appointments in Tampa, Clearwater and Saint Petersburg around your schedule and Flexible LOW payment plans with a LOW PRICE guarantee!
Click here to schedule a FREE appointment online with an attorney to discuss your unique situation and receive FREE Bankruptcy, TAX and Creditor Harassment information with NO OBLIGATION - You’ll be amazed at how comfortable you’ll feel and how easy the process actually is.
This website is owned by The Pikramenos Law Group, PLLC and dedicated to the issues of Bankruptcy, Creditor Harassment, IRS Tax Disputes and Foreclosure Defense. If you are searching for other services including Asset Protection, Estate Planning (Wills and Trusts), Business Law, or Family Law please visit for our other Tampa Bay Florida Lawyer website at www.Piklawgroup.com
FLORIDA BANKRUPTCY SUMMED UP
✓ THE FACTS: You’ve got a lot of debt. Creditors may be harassing you. You owe the IRS back taxes. You are facing garnishment issues. There are a million good reasons we all rack up debt (credit cards, medical, loss of job etc.). We understand these issues and we are here to help get rid of them.
✓ HOW DO I KEEP THESE CREDITORS FROM CALLING?: We will stop them from calling you. Just give us a call – it’s FREE and we offer affordable (cheap) rates and FREE consultations with FREE Bankruptcy information: (813) 413-1300
✓ HOW MUCH DOES IT COST? The Filing fee for Chapter 7 is (as of Nov. 1, 2011) $306 and Chapter 13 is $281. We have even offered FREE bankruptcies to past clients.
We offer the BEST RATES and we do everything for you. We will quote you a flat fee that is AFFORDABLE FOR YOU and you can MAKE CHEAP PAYMENTS. Some firms quote you a price for their “fees” and then you are left to pay for your credit report, credit classes, reaffirmation agreements and filing fees.
NOT US: We are all inclusive for all customary bankruptcy charges.
✓ THE SOLUTION: Call us today for a FREE MEETING (FREE CONSULTATION) with an EXPERIENCED ATTORNEY to discuss all of your issues. Take the first step and get started RECLAIM YOUR FINANCIAL FREEDOM and see how easy it is to get your FRESH START.
✓ THE AFTERMATH: The burden will be lifted. You won’t owe on any credit cards. You can forget about that foreclosure. We’ll even help rebuild your credit and clean up any errors on your credit report.
You Can Stop Debt Collectors from harassing you or even contacting you!
Filing means submitting your documents, called a Petition, with the Court and having a File Number assigned. Once this is done, an Automatic Stay is put into effect making sure debt collectors may no longer contact you directly to attempt to collect the debt. This does not apply if you DO NOT hire an attorney and are representing yourself in your own filing, however – THEY WILL STILL BE ABLE TO CALL YOU.
Under normal circumstances, if you hire an attorney to represent you, the creditors must contact your attorney. If you represent yourself, then they are allowed to contact you even after you have filed.
Benefits Of Filing Bankruptcy
The most dramatic benefit to filing for bankruptcy in Florida is that creditors must immediately cease collection actions pending the outcome of the bankruptcy. As soon as the petition is filed by your Florida Bankruptcy Attorney, your creditors will receive notice and they must stop contacting you. If they do continue to contact you, please let your Florida Bankruptcy Attorney know. Anther major benefit is that it allows you to start over from scratch without burdensome debt, and with some assets to minimize the risk of your being bankrupt again.
What is Bad about Filing Bankruptcy ?
Obviously the worst effect is that your credit report will state that you filed bankruptcy. However, all of your negative history will be zeroed out. So what’s better: multiple lines of derogatory information on your credit report or one? Once you file bankruptcy, a Chapter 7 could stay on your credit report for 10 years and a Chapter 13 for 7 years. All of your negative history (that would be present if you don’t file for Bankruptcy) could stay on your credit report for just as long – OR LONGER! You may not, under current law, be discharged from a Chapter 7 if you were previously discharged from another Chapter 7 within the previous 8 years.
Filing bankruptcy can make it more difficult for you to obtain credit, buy a house, car, or get other financing. MANY PEOPLE ARE ABLE TO GET A MORTGAGE TO BUY A HOME 18-24 MONTHS AFTER BANKRUPTCY. However it isn’t impossible to get financing, just harder, and your interest rates may be higher than someone who had never resorted to filing. On the other hand, creditors know you can’t file for another 8 years or so, and many are quite happy to extend credit to you right away after filing.
Is Filing Bankruptcy Right For You?
The best way to determine whether or not to file for bankruptcy is to talk to an attorney. You should look at the economic benefit of not having to pay your debt back. Did you know that paying only your minimum monthly payment at 2% of your balance could take you 30 years to pay off!
Filing bankruptcy is drastic but can also be the fresh start you need. In many cases and for many people it is often a GOOD BUSINESS DECISION. Bankruptcy is really the very last resort for debt relief. If you can’t afford to pay your bills, you have no savings, and have tried credit counseling, then consider filing.
THE BOTTOM LINE:
Here is the secret to your decision and what any competent attorney will tell you: If you can’t afford to pay off all of your bills in several years, while still paying for your necessities of you and your family you should consider filing for bankruptcy. If you absolutely do not want to file for bankruptcy, it may be possible for you Florida Bankruptcy Attorney to assist you in reducing your current payments (and balances) to 50% or less. Together, through bankruptcy or not, we can help you design a plan to release your from the constant struggles of debt.
EXPERIENCED, EMPATHETIC, DEDICATED AND ACCESSIBLE
As Experienced and trusted Florida Bankruptcy Attorneys we realize you may have many options in front of you that can affect your entire financial situation. These are not decisions to take lightly or to be trusted to someone without experience and the know-how. As Florida Bankruptcy attorneys we guarantee that all of our clients in the Tampa Bay, Saint Petersburg and Clearwater area will be treated with the most professional, courteous and respectful attention that you deserve.
Bankruptcies filed in Tampa, Orlando and South Florida do vary quite a bit and you should be cautioned to trust only a law firm with experience in handling Bankruptcy cases in all of these regions in Florida.
LOW PRICES & FLEXIBLE PAYMENT PLANS - Just What You Need for Your FRESH START
At the Pikramenos Law Group, we know that times are tough so we offer the flexibility and understanding you need. You can start with as little as $100 to open your file. We offer low payment plans so that you can “pay what you want, when you want”. The Chapter 7 filing fee is $306 and Chapter 13 is $281. We can even offer SAME DAY FILINGS – meaning that we can file your case the same day you meet with us!
WHY CHOOSE THE FLORIDA BANKRUPTCY ATTORNEYS ?
We have convenient locations for you in Clearwater, Saint Petersburg, and Tampa. We make you feel comfortable. We can meet with you in the evenings and on the weekends. Your attorney will not be a stuffy overpriced attorney that will forget about you as soon as you walk out the door. You can view your Florida Bankruptcy Attorney more like your teammate rather than your attorney. Upon your first visit to our office for your FREE Bankruptcy Consultation, we will take into valuable consideration not only your interests but also those of your family’s and your future. Our firm will do our best to achieve your financial independence and get you started on that FRESH CLEAN SLATE you desperately need. You will notice that you will receive the swift and expert care and guidance throughout the Bankruptcy process and that you can always call for help and support!
We recognize that our clients aren’t just another number on a file folder but actual people and real families. During the entire process, we will be here for you. You won’t be forced to meet with only a paralegal or a secretary, but you will have direct access to your attorney. The road to financial freedom is one that we have helped others travel down before. Let us guide you down that road and create the FRESH START you need to move on. We look forward to speaking with you. Please don’t hesitate, call today for your FREE-NO OBLIGATION consultation. During our consultation, we will discuss all of your options and concerns and we will let you know what viable solutions are available to your unique case.
Whether you are filing for Chapter 7 or Chapter 13 Bankruptcy in Tampa or Orlando, you must file in Federal Court in Florida’s Middle Division, and anyone in Miami, Broward, Ft. Lauderdale, or Palm Beach must file in the Southern District of Florida. We proudly serve clients in the Middle District and Southern District of Florida (this includes From Orlando through Tampa, Clearwater and St. Petersburg and down to Miami, Ft. Lauderdale, and Palm Beach).
YOU ARE NOT ALONE
Filing for Bankruptcy whether you want a fresh start by filing a “personal liquidation” Chapter 7 or you are filing a “personal reorganization” under Chapter 13 does not have to be complicated. A Tampa Florida Bankruptcy Attorney can offer a free consultation with a knowledgeable and experienced (there is a difference) attorney who will guide you through the process from start to finish, explain what to expect in terms of a timeline specific to your case and answer any questions you may have. Your attorney will quote you a flat fee for your case and then we’ll take care of everything else.
While you do not need an attorney to file for bankruptcy, one is definitely recommended as pro se debtors (those without an attorney) receive no legal advice from judges or trustees throughout the process of your bankruptcy. Contact Us today for a FREE consultation.
A Florida Bankruptcy Attorney located in either Tampa or Orlando, can offer you a FREE CONSULTATION to discuss your options with you and help you make an informed and educated decision as to whether you should file for bankruptcy and if so, which chapter is most appropriate.
