Among the most common questions we are asked is whether delinquent utility bills may be discharged through Chapter 7 bankruptcy and how future utility hookups may be affected by a bankruptcy filing on the credit report.
In Florida, utility providers may not refuse to provide services based on your bankruptcy filing. They may, however, require a post-discharge deposit to continue service or reconnect at a new place of residence.
Under federal and Florida bankruptcy law, you may include delinquent utility bills among your discharged debts. Gas, electric and phone companies may, however, shut off your utilities if you have not made arrangements to continue the services. This generally requires a post-petition deposit to continue the service, or reconnect in a new location. Check with your local utility provider for specific policies regarding timely monthly payments and the return of your post-petition deposit.
Debt doesn't put you at the mercy of your utility companies. Remember your rights. If your debt has become unmanageable, you have the right to file for bankruptcy.
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Learn more about bankruptcy and your utility services. Call an experienced Florida bankruptcy attorney at The Golden Law Group. We are ready to answer all of your questions about bankruptcy, debt relief and illegal collections practices.
From three convenient office locations, we represent individuals, families and business owners in bankruptcy matters in Bradenton, Brandon, Sarasota, Tampa and communities throughout the Florida Gulf Coast region. If you are over your head in debt and don't know where to turn for relief, turn to us. Contact us today for a free, no-obligation consultation.