Bankruptcy – “Still a Fresh Start”™

The Law Office of Harvey J. Spinowitz
Clearwater, Florida, Bankruptcy Lawyers

We are a debt relief agency, we help people file for bankruptcy relief under the Bankruptcy Code.

(727) 781-5LAW

We can help you
get a fresh start
and rebuild your
credit.
Call today –

If debt collectors constantly call your home and send you stern, threatening letters in the mail, it might be time to consider bankruptcy. At the Law Office of Harvey J. Spinowitz we evaluate your financial situation, explain the specifics of bankruptcy law, and help you understand how to rebuild your credit. Despite what you might have heard regarding recent changes in bankruptcy law, it is still possible to get a fresh start. Understanding what steps to take and how to make the most of your bankruptcy for your future financial health is essential in avoiding the consequences of crushing debt. Don’t live in fear with the phone off the hook – get the information and answers you need to start breathing freely again.

To schedule a free consultation and learn more about the options available to you, contact Clearwater, Florida, bankruptcy lawyers at the Law Office of Harvey J. Spinowitz. We represent clients throughout Pinellas County, Hillsborough County, Pasco County, and Hernando County.

Understanding Bankruptcy

The bankruptcy attorneys at the Law Office of Harvey J. Spinowitz represent clients interested in declaring the following kinds of bankruptcy:

Chapter 7
Chapter 11
Chapter 13

Chapter 7

In order to file for Chapter 7 bankruptcy, certain income requirements must be met first. Individuals and businesses can qualify and file under Chapter 7. If you are eligible to file under Chapter 7 the court may sell a some of your property in order to pay your creditors a percentage of the debt you owe them. However, in most cases in Florida, you can keep your home and other exempt property, including retirement funds such as 401ks, IRAs, and qualified pension plans, and an automobile with minimal equity. Certain debts are non-dischargeable, such as child / spousal support, certain taxes, and most student loans.

Chapter 11

Chapter 11 allows businesses to reorganize their debt while continuing business operations. The court can forgive all or a portion of a business’s debt. Chapter 11 is very complicated and very costly and should be undertaken with caution.

Chapter 13

If you are ineligible to file for Chapter 7 bankruptcy because of your income, you can still file under Chapter 13. While Chapter 13 is more painful in that you may be required to pay back a portion of your debt through a payment plan, foreclosures on your home can be halted. Additionally, since you will generally be expected to pay back a portion of your debt according to your income and the value of your assets, your car, furniture, and other personal property may be retained in most cases.

Need Advice? Call Today for a Free Consultation

The information provided above is intended only as general information regarding bankruptcy – it is not intended as legal advice. By law, we can only give bankruptcy advice during a free, no-obligation-involved consultation. For information regarding the options available to you, contact Clearwater, Florida, bankruptcy lawyers at the Law Office of Harvey J. Spinowitz today.

Located in Clearwater, Florida, we also represent clients in Tampa, St. Petersburg, Palm Harbor, Dunedin, New Port Richey, Seminole, Largo, Tarpon Springs, Pinellas Park, Safety Harbor, Oldsmar, and Spring Hill.

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