Bankruptcy Services in Florida
Call a Board-Certified Specialist Now: (813) 699-4911!
As a Board-Certified Bankruptcy Specialist, Attorney Golden knows the laws, procedures, and systems involved with the bankruptcy process. Because of his specialized training, Attorney Golden has earned the right to call himself a qualified legal expert in bankruptcy and other debt relief matters.
The Golden Law Group prides itself on providing the following:
- Customized debt relief solutions
- Personalized and compassionate legal counsel for every client
- Proactive problem solving strategies that can help remedy your debt
- Committed and attentive legal counsel from start to finish
Filing Starts at Only $499. Call Us Today!
Making the decision to end your debt by filing for bankruptcy can be an incredibly daunting and overwhelming choice. In an effort to make your process as easy and stress-free as possible, it is encouraged that you work with a qualified bankruptcy lawyer who knows how to guide you toward a positive and favorable resolution.
You do not have to live your life under the constant burden of debt! Take matters into your own hands and end your debt nightmare – call us at (813) 699-4911.
See What Former Clients Have to Say
“We are so thankful for your help during a very stressful situation 3 years ago! You took 10,000 pounds off our backs and we are so thankful.”
- Margaret, Former Client
Areas of Practice
Focused Bankruptcy & Alternative Debt Relief Solutions
Providing Reliable Debt Relief Solutions for Clients In Brandon, Plant City & All Of Hillsborough County
Questions? Call The Golden Law Group for FREE at (813) 699-4911.
Bankruptcy is a legal process that involves the United States federal court system and appointed judges and trustees. Just like any other lawsuit, you will need to petition in court, and the authorities will review your petition for bankruptcy and decide whether or not your case has merit to proceed. Because of the intense, legal nature of a bankruptcy case, it is important that you hire a skilled bankruptcy lawyer to represent your case.
Do I need to owe a certain amount of debt in order to file for bankruptcy?
If you owe a small amount of money or have enough financial means to repay your debts, bankruptcy and debt relief alternatives may be something to consider. There are requirements that must be met in order to be eligible to file for Chapter 7 or Chapter 13 bankruptcy.
Starting on April 1, 2019, you may not file for Chapter 13 bankruptcy if you have more than $1,257,850 in secured debt (such as homes and cars) or more than $419,275 in unsecured debt (such as medical expenses and credit card debt).
There is no limit to the amount of debt that can be accumulated to be eligible to file for Chapter 7 bankruptcy. Through Chapter 7 you can erase your debt without repayment. Only individuals can file and there are income restrictions that may affect your eligibility.
Will all of my debts be discharged after bankruptcy?
Though bankruptcy is an incredibly effective way to shed your debt, it will not discharge certain types of debt. This may include certain tax debts, student loan debts (except in rare circumstances), child support or spousal support debts, or other debts accrued due to a legal judgment (such as an arrest or DUI).
Can I keep property after filing for bankruptcy?
Yes! Many people are under the misconception that bankruptcy will result in total loss. This is not the case. Due to property exemption laws, you can petition the court for certain property exemptions, meaning you can keep certain kinds of property included in the exemption laws even after filing for bankruptcy.
Is there life after bankruptcy?
Absolutely! Perhaps one of the greatest myths about bankruptcy refers to the fact that bankruptcy will ruin a credit score for a lifetime. Though it is true that bankruptcies can remain on a credit score for 7-10 years, it is important to note that you can take steps to repair your credit. Soon, you will be eligible to receive loans, credit cards, or even buy your own home or car.
Types of Bankruptcy: Chapter 7 & Chapter 13
Chapter 7 Bankruptcy
Chapter 7 bankruptcy involves the liquidation of all assets. In a Chapter 7 bankruptcy case, people can often discharge most of their debts, and they will be protected from legal action by creditors through automatic stay. Unfortunately, not all applicants qualify for Chapter 7 bankruptcy. Petitioners must be in a lower income bracket in order to file, and eligibility is determined through a means test. Talk with a lawyer at The Golden Law Group to learn if you qualify.
Chapter 13 Bankruptcy
People who don't qualify for Chapter 7 bankruptcy may be able to file under Chapter 13. Chapter 7 bankruptcy allows the petitioner to consolidate all debts into a monthly payment plan that is approved and supervised by the court. Normally, this repayment plan lasts 3 to 5 years. It is possible to discharge some debt in a Chapter 13 bankruptcy case, and filers still receive automatic stay as a privilege of the bankruptcy process.
Get the Fresh Start You Need!
If you would like to determine if bankruptcy is right for you, do not wait another moment to contact The Golden Law Group. The firm's bankruptcy lawyer can guide you through every step of the process to ensure your complete protection.
Steps Involved in the Bankruptcy Process
The bankruptcy process involves many steps. Thankfully, with a lawyer to guide you, the bankruptcy process can become much simpler than you may think. Every client who works with The Golden Law Group receives efficient, effective, and personalized representation. Because The Golden Law Group is run by a board-certified bankruptcy law attorney, you can trust that you are getting representation from an expert.
A typical bankruptcy case will involve the following steps:
- Step 1: You will have a free consultation with an attorney, during which the lawyer will determine the most appropriate course of action for your situation. You can ask questions and learn how current laws will apply to your case.
- Step 2: If bankruptcy is the best course of action, then you will receive a packet of forms and information to fill out on your own. Once you complete these forms, a legal assistant will review them to make sure there are no mistakes.
- Step 3: Your attorney will review all relevant documents with you and make sure that everything is in order. You will then file the bankruptcy papers for the appropriate chapter.
- Step 4: Your bankruptcy petition will be filed with the court.
- Step 5: Within 10 days of filing, you will receive a response from the court, and the court will set a date for your meeting of creditors with a bankruptcy trustee. The trustee will ask questions about your income and assets as well as your expenses and liabilities. Creditors may protest your bankruptcy at this meeting if they choose to attend.
- Step 6: Creditors have 60 days to object to a bankruptcy, and trustees have 30 days to object. If no party objects to the bankruptcy, then your debt will be officially discharged. In a Chapter 13 bankruptcy case, you can organize your repayment plan after this time. If you want more information about this process, contact a bankruptcy attorney at the firm today.
Affordable Representation is a Phone Call Away Contact Us for FREE at (813) 699-4911
After your debts have been discharged, The Golden Law Group will conduct a free credit report follow-up review to ensure your credit profile is accurate and that your debts are gone for good. Call the firm right away to get started with a free consultation and to get more information about the bankruptcy process and how to file for bankruptcy!
Take the first step! Reclaim your financial freedom today. Contact The Golden Law Group or request your consultation to get started.