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: [email protected]
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: [email protected]
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: [email protected]
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.
Bank Holds on Chapter 7 Debtor Accounts
The Ninth Circuit – U.S. Court of Appeals held that a bank did not willfully violate the automatic stay by placing a temporary administrative pledge on the debtors’ accounts in favor of the bankruptcy trustee.
A copy of the opinion is available at: http://cdn.ca9.uscourts.gov/datastore/opinions/2014/08/26/12-16087.pdf
Wells Fargo, however, recently got slammed by a Federal Judge in NY for their practice of freezing Chapter 7 Debtor accounts nationwide. Bankruptcy Court Judge Cecelia G. Morris. December 2014, awarded the Weidenbenners $25 in damages for a bounced-check charge, plus costs and lawyers fees. In her ruling, the judge blasted Wells Fargo, which was not a creditor in the case, for freezing the money and controlling access to it. Accusing the bank of “grandstanding” about bankruptcy-code compliance. In re Weidenbenner, 521 B.R. 74, 2014 WL 7139994 (Bankr. S.D. N.Y., 2014).
Wells claims that their nationwide policy is only to freeze accounts of debtors with $5000 or more– not true. If you are going to file Chapter 7– move your bank account from Wells Fargo before you file.
Clearwater Bankruptcy, 28870 U.S. Hwy 19 #361, Hodusa Towers, Clearwater, FL 33761,
Phone: (727) 330-1627 email: [email protected]