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Why Choose Chapter 7?

Why Choose Chapter 7?

Chapter 7 is fast, easy and cheap. It takes about three to six months from start to finish. Chapter 7 discharges debts in exchange for you giving up non-exempt assets in liquidation or pay the trustee their value. Most Chapter 7 filings are what is called a no-asset Chapter 7, which means there were no non-exempt assets for the Trustee to liquidate. Chapter 7 bankruptcy also applies to many types of debt, including credit card bills and medical bills. It will discharge some taxes.

Clearwater Bankruptcy,  28870 U.S. Hwy 19 #361, Hodusa Towers, Clearwater, FL 33761

Phone: (727) 330-1627 email: carollawsonesq@gmail.com

 

 

Chapter 7 Bankruptcy Overview

Chapter 7 Bankruptcy Overview

A Chapter 7 Bankruptcy Will:

  • Provide Automatic Court Protection From Creditors
  • Stop Harassing Calls and Letters
  • Stop Lawsuits and Garnishments
  • Give You a Permanent Discharge of Most Debts in a Few Months
  • Let You Keep Your Car and House as long as you continue to pay

Who Should Consider Chapter 7 Bankruptcy:

  • You qualify under the Means Test
  • You Have minimal assets or equity in assets- If you own your home you get $1,000.00 of personal property if you are a renter you get $4,000 worth of personal property- Either way your get $1,000 worth of equity in a motor vehicle
  • You Have Trouble Making Monthly Payments on Necessities and Basic Expenses
  • You are Current on House and Car Payments (If Applicable)

Clearwater Bankruptcy,  28870 U.S. Hwy 19 #361, Hodusa Towers, Clearwater, FL 33761,

Phone: (727) 330-1627 email: carollawsonesq@gmail.com

How to Stop Unwanted Collection Calls

How to Stop Unwanted Collection Calls

If you have filed for bankruptcy and are receiving unwanted calls from creditors :
• Know that providing your cell phone number on a credit application is considered giving the creditor permission to contact you. Revoke consent by sending a letter, ask to be placed on their DO NOT CALL list. Keep a copy of the letter.
• If you rescind permission and the creditors continue to call, save all voice mail as evidence of noncompliance.
• Keep track of any unwanted calls. Note the time and date they are received, the phone number, the duration, and any information the caller gives you. Include anything about the call or recorded message such as dead air segments, delays or clicks that occur before an agent comes on the line. Names of Agent, name of the organization calling, etc.
Penalties can range from $500-$1,500 per call. If a creditor is using an auto-dialer, these fines can pile up. If it is proven that a caller is willfully violating the TCPA, by repeatedly calling without your permission or after you ask them to stop, then it is $1,500 per call.

 

Clearwater Bankruptcy,  28870 U.S. Hwy 19 #361, Hodusa Towers, Clearwater, FL 33761

Phone: (727) 330-1627 email: carollawsonesq@gmail.com

Simple Estate Planning

Simple Estate Planning

These are the basic items you should have-

1. Will
2. POD or Payable on Death Accounts on your bank accounts. These will avoid probate.
3. DPOA Durable Power of Attorney
4. Healthcare Surrogate
5. Living Will
6. Beneficiaries on your life insurance, Pension, Mutual Funds

Call us today for your document needs at (727) 330-1627

 

Clearwater Bankruptcy,  28870 U.S. Hwy 19 #361, Hodusa Towers, Clearwater, FL 33761

Phone: (727) 330-1627 email: carollawsonesq@gmail.com

 

What is Chapter 7 ?

What is Chapter 7 ?

Chapter 7 Bankruptcy is straight / liquidation personal bankruptcy. A single person or married couple files papers with the Bankruptcy Court asking for immediate protection from their creditors and ultimately for a discharge of debts.

Clearwater Bankruptcy,  28870 U.S. Hwy 19 #361, Hodusa Towers, Clearwater, FL 33761

Phone: (727) 330-1627 email: carollawsonesq@gmail.com