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.

Jonathan Swinson

Attorney Jonathan Swinson focuses his practice on assisting clients in consumer and commercial bankruptcy cases. Many people believe that when they owe a debt or fall behind on a mortgage payment, that they have no rights, but bankruptcy provides consumers with legal remedies to achieve a fresh new financial start. This may include allowing consumers to cure arrearages on a mortgage loan or reorganization of a consumer’s debt to pay back taxes.

Mr. Swinson started his legal career during law school providing pro bono legal services to underprivileged citizens seeking financial debt relief and bankruptcy. After graduating from law school Mr. Swinson moved to the legal field of consumer debt defense. After more than a year helping the citizens of Pinellas County and the Tampa Bay area retain their homes through foreclosure defense and restructure their mortgages with loan modification, Mr. Swinson returned to the consumer bankruptcy.

Mr. Swinson moved onto managing a local bankruptcy firm that specialized in assisting consumers in foreclosure, bankruptcy, debt settlement, and other civil litigation issues. Mr. Swinson has since continued practicing consumer debt defense litigation with the goal of providing aid to financially stressed citizens in the local community
Mr. Swinson has recently accepted a position at the Law Office of Michael Ziegler Attorney Debt Fighters where he strives to resolve the financial issues of all of his clients and continue the excellence and impeccable reputation of this firm.

Mr. Swinson was born and raised locally in the Tampa Bay area of Hillsborough County. Mr. Swinson attended the University of South Florida and remains an avid Bulls and buccaneers fan to this day.

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

Mt. Dora: (352) 600-1326

Jonathan Swinson

Jonathan Swinson

CLEARWATER LOCATION

(727) 538-4188

TAMPA LOCATION

(813) 225-3111

ALTAMONTE SPRINGS LOCATION

(352) 600-1326