New Location
Our office has moved to 2451 McMullen Booth Rd, #200, Clearwater, FL 33759
Effective 11/1/2021
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
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
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
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
Pinellas County Schools
Teachers and staff did you know that you have the MetLife Plan through Hyatt Legal you can receive - a free trust, will, quitclaim deed, living will, healthcare surrogate, and DPOA before the end of the year. If they you my office - Carol Lawson PA- #727-410-2705, not only are after school appointments available, but you receive a Dementia Directive for free. Hyatt will also pay the Attorney fees ( no costs) for a Bankruptcy. Our office participates in this area handling Chapter 7s only. Costs by our office are credit report, personal property apprassial, and filing fee. You also are responsible for a credit counseling class.