Tampa Attorney: Bankruptcy, Asset Protection, New Business, Uncontested Divorce and Wills, Trusts & Estate Planning -

The Pikramenos Law Group is a Tampa Attorney group dedicated to assisting anyone in Tampa Bay, Florida area with their financial circumstances. In choosing a Tampa Attorney it is often wise to research your options and seek a Tampa Attorney who will take a holistic approach at solving issues as economically as possible – as opposed to what some Tampa Attorneys do and that is use you (the client) to generate excessive legal fees. Our goal is to help you legally protect everything you and your family have worked so hard for. We are dedicated to being available, generous, professional and straightforward with all of our clients.

Many of the problems we are all facing are very much related. Please use the tools below to select why you are here.

ACCIDENTS: I Was Just In An Automobile Accident

Tampa Personal Injury: You may be able to receive $10,000 in Personal Injury Protection benefits, but ONLY IF:

within 14 days of your accident you are seen by a medical doctor, doctor of osteopathic medicine, a dentist, physicians assistant or registered nurse practitioner,
that person makes a finding that your injuries constitute a need for Immediate Medical Attention such that the absence of medical care would result in (the finding of an Emergency Medical Condition or “EMC”):
- serious jeopardy to health
- Serious impairment of bodily functions, or
- serious dysfunction of bodily organ or parts
- and you receive treatment within those 14 days.

If you do not receive treatment within those 14 days, you will receive NO personal injury benefits. If you do not see the correct physician within 14 days or that physician does not rule your injuries to constitute an EMC, but you do receive treatment within 14 days of the accident you will be limited to only $2,500.00

HOME ISSUES: I Want To Save My Home

If you really want to SAVE your Florida home, you really only have a few options. A Tampa Foreclosure Attorney can assist with any home in Florida. Here are your Foreclosure options put very simply. Every situation is definitely unique and a combination of these tools is often best for most people facing Foreclosure in or around the Tampa Bay Area.

1. Chapter 13 Bankruptcy – This is a repayment plan that STOPS FORECLOSURE and all legal collection proceedings against you for as long as you stay in your plan. You keep all of your stuff. For those people looking to save their home, this is probably the best option. QUALIFY FOR CHAPTER 13 HERE

2. Bankruptcy 7 : This is known as the liquidation version of bankruptcy. While most people keep all of their stuff, some people can give up their things or they choose to pay to their creditors to keep property. In Florida we have exemptions that help keep your things. Chapter 7 Bankruptcy will NOT SAVE YOUR HOME. For about 99% of people, Chapter 7 will only temporarily put a halt on the foreclosure process, but it does not fix your home situation in the long term. A Tampa Bankruptcy Attorney can help you understand more. QUALIFY FOR CHAPTER 7 HERE

3. Bankruptcy 11 : Fling a Chapter 11 makes perfect sense for those homeowners with access to $7500 -$10,000 (usually from retirement or family and friends) for attorneys fees who would otherwise have to spend more paying the trustee over time in a Chapter 13. SEE IF YOU QUALIFY FOR CHAPTER 11 HERE

4. Loan Modification: There are several programs for doing loan modifications. They take a long time. Loan Modifications don’t stop foreclosure.

5. Foreclosure Defense – Foreclosure Defense usually does not Save someone’s home. Most people only pay an attorney to do foreclosure defense while the homeowner also seeks a loan modification or a short sale. Foreclosure Defense usually just delays the inevitable – that you will ultimately lose your home. The only options to keeping your home are to pay off your arrears in a lump sum or by filing a Chapter 13 or getting the bank to agree to bring you current. IS FORECLOSURE DEFENSE RIGHT FOR YOU? SEE HERE

6. Short Sales: A short sale does not save your home. It COULD prevent a deficiency (the difference between the sales price and the amount you owe), but this still may not solve your issues. The bank doesn’t have to forgive the deficiency amount. You still may also owe taxes at the end. For those people who just want out of their house, a short sale could be a successful solution but it may take a long time (6 months to 2 years or longer)

DEBT ELIMINATION: I Need Creative Ways to Eliminate Debt

1. Debt Consolidation/Debt Settlement: This is not the best situation for many people. Consumers trying to settle their debts eventually pay more than they would have in a bankruptcy and credit history is often damaged for far longer than Bankruptcy. If you choose this route, legal proceedings will still keep going and garnishment is still possible. Most people end up paying monthly fees (with all payments usually about 50% of your total debt) which are then used to pay off creditors one by one. Spending about half of their total debt to their creditors and Debt Management company or Attorney. For some people, this choice is a really good one because bankruptcy is just NOT AN OPTION. If this is what you truly want to do, please contact your Tampa Debt Relief Lawyer who can speak with you more.

2. Bankruptcy 7 : This is known as the liquidation version of bankruptcy. It is possible to get rid of some taxes, student loans in rare circumstances and you can pay off government fines. While most people keep all of their stuff, some people risk losing some property or having to pay to their creditors to keep property. Chapter 7 Bankruptcy will NOT SAVE YOUR HOME. For about 99% of people, Chapter 7 will only temporarily put a halt on the foreclosure process, but it dos no’t fix your home situation in the long term. Since 2005, Debtors must qualify for Chapter 7 based, in large part, on their income and expenses. QUALIFY FOR CHAPTER 7 HERE

3. Chapter 13 Bankruptcy – This is repayment plan that stops all legal collection proceedings against you for as long as you keep paying. This is ideal for people who: earn too much to do a Chapter 7, are trying to prevent their vehicles from going into repossession want to prevent foreclosure, have large non dischargeable tax debts or would otherwise lose too much property in a Chapter 7. You keep all of your stuff. For those people looking to save their home, this is probably the best option. QUALIFY FOR CHAPTER 13 HERE

4. Bankruptcy 11 : Fling a Chapter 11 is for those people with too much debt to do a Chapter 13. Chapter 11 also makes perfect sense for those homeowners with access to $7500 -$10,000 (usually from retirement or family and friends) for attorneys fees who would otherwise have to spend more paying the trustee over time in a Chapter 13. SEE IF YOU QUALIFY FOR CHAPTER 11 HERE

5. OTHER OPTIONS: You may have other options for dealing with creditors both short and long term. Short term options may include resisting the creditors or proving exemptions (we can help with this) and long term options may include fighting the creditors and defeating them with certain affirmative defenses or letting us explain how you can become judgment proof.

READ MORE ABOUT YOUR OPTIONS HERE…

BUSINESS PROBLEMS: Business Reorganization, Dissolution, Divorce or Restructure

TAX RESOLUTION: I Have Tax Debts I Want To Resolve

ASSET PROTECTION: I Need To Protect My Assets From Creditors and Future Lawsuits

NEW BUSINESS ENTITY: I Want to Start a New Business (for Business or Asset Protection)

DIVORCE: I Want a Divorce

TAX STUFF: I Need Tax Advice or Tax Preparation

ESTATE PLANNING: I Need a Will, Trust or other Estate Planning

PROBATE: Someone Close To Me Just Died

While some people seek a Tampa Attorney to save their home through mortgage foreclosure defense or bankruptcy, those same people often have IRS Tax problems or certain amounts of debt they wish to get rid of and some are just being harassed by creditors. Some of our clients are interested in being proactive in protecting their assets, organizing their Corporation or LLC and setting forth a proper Operating Agreement with protective provisions governing buyouts, admissions of new members etc. and others are concerned with structuring their business deals for tax-free transfers, spin offs or tax-savings transactions.

The Pikramenos Law Group, PLLC is a Florida Law firm with Tampa Attorneys having it’s main office in Downtown Tampa and practicing in the areas of

We are Tampa Attorneys and have helped people in Tampa, Pinellas, Pasco, Sarasota, Clearwater, St. Petersburg, Largo, Ft. Myers, Orlando, Bradenton, Manatee and the rest of Florida