Income tax can, in some instances, be discharged in a personal bankruptcy. In order for income taxes to be dischargeable, the tax returns had to have been filed at least two years prior, and the same amount of time would have to have gone by before they can become dischargeable.

Income tax can, in some instances, be discharged in a personal bankruptcy. In order for income taxes to be dischargeable, the tax returns had to have been filed at least two years prior, and the same amount of time would have to have gone by before they can become dischargeable.

What Are The Exemptions For Bankruptcy In Florida?

In a Chapter 7 case, in order to obtain the benefit of the discharge, meaning the wiping out of the debt, the tradeoff that the federal government has set is that a consumer is limited on the amount of assets they can keep. The exemptions are the list of property that comes from state and federal law, which says which things you are allowed to keep. In Florida, the abbreviated list includes your homestead or primary residence, a certain allowance of personal property, which includes basic household goods, a limited allowance of vehicle equity, retirement funds, and some other assets. In cases outside of Chapter 7, such as Chapter 13, you are allowed to keep all of your assets, but the exemptions may affect your monthly repayment plan.

Cynthia O’Donnell

Cynthia Fussell O’Donnell was born and raised in the panhandle of Florida. She graduated from Florida State University with a B.A. in Music. Coming from a long line of military veterans, she joined the U.S. Navy and attended Officer Candidate School in Pensacola, Florida in February 2001. While in the Navy, she served onboard USS Mahan (DDG-72) as the Strike Warfare Office and USS Hue City (CG-66) as the Damage Control Assistant making two deployments in support of Operation Enduring Freedom and Operation Iraqi Freedom.

In 2008, she graduated from the University of Florida College of Law with honors and practiced law in the field of bankruptcy and business litigation at Case, Lombardi, and Pettit in Honolulu, Hawaii.

In 2018, Cynthia started her own firm in Mount Dora, Florida focused entirely on representing consumers with debt issues, including mortgage foreclosures, automobile repossessions, federal and private student loans, medical debt, credit card debt, and bankruptcy.

Cynthia joined the Law Office of Michael Ziegler in August 2020 as the lead attorney on debt defense matters.

She is passionate about educating consumers on their rights and how they can protect themselves from predatory practices by financial institutions

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Clearwater: (727) 538-4188 Tampa: (813) 225-3111

Mt. Dora: (352) 600-1326

Cynthia O’Donnell

Cynthia O’Donnell

CLEARWATER LOCATION

(727) 538-4188

TAMPA LOCATION

(813) 225-3111

ALTAMONTE SPRINGS LOCATION

(352) 600-1326