Largo, Florida Chapter 7 & 13 Bankruptcy Lawyer
If you are sick of collection calls, if your medical bills are making you sick and the stress of unmanageable, out-of-control debt has you worrying about your future, bankruptcy may be the answer for you. Although people often think of bankruptcy as a dead end, it can be the start of new financial future.
Bankruptcy may be able to help you to:
- STOP creditor harassment
- STOP wage garnishments
- PREVENT sheriff sales and auto repossessions
- Completely eliminate or reduce your debt
- Pay debts in a more gradual manner
If you are struggling with debt and need to speak with an attorney about bankruptcy, Timothy Papp & Associates, LLC can help. We have law offices in Largo and Orlando, Florida and we handle bankruptcy cases for clients throughout the Tampa Bay Area and Central Florida.
To schedule a free consultation at our Largo office, call 727-564-9133.
Chapter 7 versus Chapter 13
A Chapter 7 bankruptcy is a debt liquidation bankruptcy that results in the discharge of most debts like medical bills, credit card bills and other unsecured (not guaranteed by a vehicle, home or other item) debts. To be eligible for Chapter 7 relief, you must fit into a certain income level, which takes into account your income and living expenses. People who are not eligible for Chapter 7 relief will likely be eligible for Chapter 13 relief.
A Chapter 13 bankruptcy is a debt re-organization bankruptcy that results in a debt repayment plan that is approved by the bankruptcy court. The payment plan offers people the opportunity to repay some or all of their debts over a period of time between 36 and 60 months. A Chapter 13 bankruptcy is often used by people who are trying to avoid home foreclosure, however, it is possible to save your home under either Chapter 7 or 13.
Short Sales and Home Foreclosure Relief
If you are struggling with debt and have been threatened with the possibility of home foreclosure, visit our home foreclosure solutions page to learn more about legal services that may provide a solution for you.
Contact Us
To speak with a Florida bankruptcy lawyer, contact Timothy Papp & Associates.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
