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Sarasota Credit Card Debt Lawyers
People run into serious debt problems for a vast array of reasons, ranging from job loss, divorce or a medical crisis to simply struggling to keep up with living expenses and gradually becoming overextended on credit cards. Key questions to consider when evaluating whether to file bankruptcy include which of your obligations can be eliminated or restructured and whether that will free the income you need to handle those that cannot.
Understanding Unsecured vs. Secured, Non-Dischargeable Debts
If credit card bills are your biggest problem, it is important to know that, under most circumstances, credit card balances are unsecured debts that can be completely discharged through a properly prepared and executed Chapter 7 bankruptcy filing. Many medical bills also qualify as fully dischargeable debts.
Key Differences Between Chapter 7 and Chapter 13 Personal Bankruptcy
If your income is above the limit for filing Chapter 7, or your concerns involve obligations such as your mortgage, back taxes or child support, an attorney at our firm can help you determine whether Chapter 13 "debt reorganization" can accomplish your goals.
In many cases, this form of bankruptcy provides the protection from creditors and the time an individual needs to catch up and return to stability. It may also allow discharge of substantial portions of your unsecured debts, provided you comply with all aspects of your Chapter 13 plan as approved and overseen by a bankruptcy trustee.
Learn Your Debt Relief Options and Form a Plan for Recovery: 888-553-5240
Our detail-focused, conscientious Tampa dischargeable debts lawyers are committed to thorough, upfront analysis of all your debt-related problems and goals. You can turn to our west central Florida firm with absolute confidence that we will listen, evaluate your situation carefully and spell out viable options in clear terms.
To schedule a personal consultation focused on what debts you can eliminate and whether filing bankruptcy may be the best step for you, call or e-mail us anytime at McIntyre, Panzarella, Thanasides, Bringgold & Todd, P.A.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.