WE ARE A TAMPA BAY AREA BANKRUPTCY ATTORNEY LAW FIRM: We assist debtors file for bankruptcy in Chapter 7, Chapter 13, and Chapter 11.

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BANKRUPTCY OVERVIEW | CHAPTER 7 BANKRUPTCY IN DEPTH | CHAPTER 13 BANKRUPTCY IN DEPTH | CHAPTER 11 BANKRUPTCY IN DEPTH

BANKRUPTCY TERMS | BANKRUPTCY FREQUENTLY ASKED QUESTIONS | RECENT POSTS ABOUT BANKRUPTCY

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There are many good things about your bankruptcy attorney can discuss with you at your FREE CONSULTATION.

Bankruptcy stops the harassing phone calls. Bankruptcy stops foreclosure and other lawsuits seeking money from you. A Tampa Bankruptcy Attorney can also stop wage garnishment and bank levies. At your Free consultation your Bankruptcy Attorney can even discuss with you how to stop foreclosure, eliminate debt, keep your home, strip off second mortgages (or HELOCS), modify your home or car loan, and get caught up on prior missed payments or arrearages. Your Attorney may even be able to get your garnishments back for you.

BUT YOU MUST QUALIFY FIRST…CLICK HERE TO QUALIFY

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THE FACTS: You have accumulated a lot of debt because of credit cards, medical bills, loss of job, sick family members – there are a million good reasons we all rack up debt.

HOW DO I KEEP THESE CREDITORS FROM CALLING?: We will stop them from calling you again. Just give us a call – it’s FREE: (813) 413-1300

HOW MUCH DOES IT COST? We will quote you a flat fee that is AFFORDABLE FOR YOU and you can MAKE PAYMENTS

THE SOLUTION: Call a Tampa Bankruptcy Attorney today for a FREE MEETING with an EXPERIENCED ATTORNEY to discuss these issues and how to RECLAIM YOUR FINANCIAL FREEDOM

THE AFTERMATH: We’ll even help rebuild your credit and clean up any errors on your credit report.

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CHAPTER 7

Chapter 7 of the Bankruptcy Code is available to both individual and business debtors. This is known as a personal liquidation and strives to achieve equality in repayment to creditors of the debtors non-exempt property. Unsecured debts not reaffirmed are discharged, providing a fresh financial start for the debtor. QUALIFY HERE NOW

CHAPTER 11

Chapter 11 of the Bankruptcy Code is available for both business bankruptcy and consumer debtors filing bankruptcy meeting certain qualifications. Its purpose is business rehabilitation as a going concern or to reorganize an individual’s finances through a court-approved reorganization plan. QUALIFY HERE NOW

CHAPTER 12

Chapter 12 of the Bankruptcy Code is reserved for family farmers. QUALIFY HERE NOW

CHAPTER 13

Chapter 13 of the Bankruptcy Code is available for an individual with regular income whose debts do not exceed specific amounts. A plan is utilized whereby the debtor pays one sum to a trustee who distributes money to the debtor’s unsecured creditors in whole or in part. QUALIFY HERE NOW

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WHAT IS BANKRUPTCY ?

As an honest debtor, you may be able to wipe away almost all debt through a Chapter 7 bankruptcy or you may be able to enter a plan via Chapter 13 to repay debts over several years time based on your ability to pay. Chapter 7 Bankruptcy is what most people think about when they think about Bankruptcy. Chapter 7 eliminates all of your debts and you are not required to pay your creditors back one cent. Chapter 7 Bankruptcy, at least with our experience, is short (about 3- 4 months from filing the petition to discharge) but you have to Qualify for Chapter 7. See if you Qualify Now. Chapter 13 helps those with high incomes or many assets that are not exempt. Chapter 13 also helps to save homes from foreclosure, paying large non-dischargeable tax bills, preventing repossession and more. Chapter 11 is usually for businesses, but filing a Chapter 11 Bankruptcy in Tampa is also beneficial for individuals who would be Chapter 13 candidates with too high of debts or Chapter 13 candidates that would benefit from not paying a trustee (there is usually no trustee in chapter 11).

Mr. Pikramenos was previously the Florida Partner of a multi-state bankruptcy and creditor harassment firm with multiple offices in Orlando, Tampa and Miami Florida. He is now using his experience to assist filers in resolving their debts. Filing for Bankruptcy in Florida’s Middle Division includes those filers from Tampa and Orlando. Filing for Bankruptcy, either Chapter 7 or Chapter 13 does not have to be complicated. At The Pikramenos Law Group, we offer a free consultation where your knowledgeable and experienced (there is a difference) attorney will guide you through the process from start to finish, explain what to expect, a timeline specific to your case and answer any questions you may have. Your attorney will quote you a fee for your case and then we’ll take care of everything else.

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SHOULD I FILE FOR BANKRUPTCY ?

At the Pikramenos Law Group, you can talk to a qualified Tampa Florida Bankruptcy attorney who will discuss your options with you and help you make an informed and educated decision as to whether you should file for bankruptcy. We tell many clients that bankruptcy is not their best option. Other potential clients are suggested bankruptcy when bankruptcy was never a thought in their mind. Sometimes filing a bankruptcy in Tampa just makes a good business decision.

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.

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WHY DO PEOPLE FILE FOR BANKRUPTCY

Bankruptcy is an option used by many people who are having difficulty repaying their debts and are looking for a fresh start.

Popular reasons why people choose to file for Bankruptcy Protection are:

• foreclosure, short sale or deed in lieu. (you may remain liable even AFTER they take your home)
• paying only the minimums on their bills
• being contacted by collections agencies
• receiving notices that their mortgage is being foreclosed upon
• recent costly medical bills
• recently lost a job
• divorce, or
• loss of a major client

The new Bankruptcy Abuse Prevention and Consumer Protection Act (BAPCPA) which was signed into law on April 20, 2005 acted to change most bankruptcies filed on or after October 17, 2005 in several ways. Mr. Pikramenos co-wrote an article on the BAPCPA when it first came out: see that here: How The 2005 Bankruptcy Abuse Prevention And Consumer Protection Act Affects Planning For Physicians And Physician Practices including:

• Additional restrictions on Chapter 7
• Increased payments for debtors choosing Chapter 13
• Required credit counseling
• Implemented a “Means Test” to determine eligibility for Ch. 7 or Ch. 13
• More stringent requirements on Homesteaded property
• Increased penalties for fraudulent actions

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We assist debtors with filing for bankruptcy in the Middle District of Florida and Southern District of Florida. The Pikramenos Law Group is a dedicated Bankruptcy Law Firm with Tampa Bankruptcy Attorneys prepared to represent your regarding all of your Debt Relief, Bankruptcy and Creditor Harassment needs. Currently we are serving all Florida Clients with offices in Tampa, Clearwater and St. Petersburg.

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