Our Practice
2650 Alderman Rd
Palm Harbor, FL 34684
Office Hours
Sunday 2 PM to 8 PM
Monday 9 AM to 9 PM
Tuesday 9 AM to 9 PM
Wednesday 9 AM to 9 PM
Thursday 9 AM to 9 PM
Friday 9 AM to 12 PM
Saturday closed
WHO CAN FILE: An individual's eligibility for Chapter 7 is based on the applicable median "household income" for this State as set forth by the United States Department of Justice. This figure is adjusted twice a year, in March and October. Any business entity can file.
WHAT YOU CAN KEEP: The Debtor retains all property deemed to be exempt under Florida Law. Exemptions are a matter of State Law and are located in many different sections of the Florida Statutes. Some examples of exemptions are Homestead, ERISA-qualified pensions or retirement plans; annuities; structured settlements; the wages of a "head of household" earned within the last six months; and a limited amount of other personal property.
Non-exempt property is either surrendered to, or redeemed from, the Trustee. Secured property---- such as houses or cars---- can be reaffirmed with their respective secured creditors and thereby retained.
HOW LONG IT TAKES: From date of filing to discharge, a no-asset uncontested Case should yield a discharge in about four months.
"We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code." 11 U.S.C. §528(b)(2)(B)