Bankruptcy Lawyer St. Petersburg, FL

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Bankruptcy Lawyer St. Petersburg, FL

Have you tried everything to get out of debt, but you feel like nothing is actually working? Are you feeling confused, frustrated, and unsure about how to get out of your debt situation? If so, a bankruptcy lawyer in St. Petersburg, FL may be able to help you. 

Are You Imagining a Fresh Start? 

If you are reading this, please know that you don’t have to go another day worrying about your debt and credit problems. Call  the Law Office of Michael A. Ziegler, P.L. for a consultation. We are able to stop the harassment of creditors. 

Selecting the right St. Petersburg, FL bankruptcy lawyer is a very important decision. Our firm has extensive experience in debt relief, including:

Chapter 7 – In Florida, you will need to pass a Means Test in order to qualify for chapter 7 bankruptcy. To pass this, your adjusted median income will need to be below the Florida average. In some cases, if your income is above, you may qualify once certain expenses are deducted. Our bankruptcy lawyers in St. Petersburg, FL have helped many people to file for Chapter 7 and get on the right track. 

Chapter 13 – This type of bankruptcy offers an opportunity to get out of debt; however, it involves a payment plan that spans over a period of three to five years. This option is typically a good idea for those who will not qualify for Chapter 7. Chapter 13 is also viable for those who may be concerned about liquidating assets. 

Individual or Joint Bankruptcy

It is possible to file for joint or individual bankruptcy. If both you and your spouse are in a large amount of debt, and it is shared, joint bankruptcy may be a solution. As a bankruptcy lawyer in St. Petersburg, FL, we can review your finances and let you know what may be the best path forwards. 

Foreclosures

If you have concerns about home foreclosures, bankruptcy may prevent it through an automatic stay. In the event you are behind on your payments, a bankruptcy lawyer in St. Petersburg, Florida might recommend to file for Chapter 13. This is a great way to resolve your debt while keeping your home. In some cases, your mortgage can be included in the three to five year payment schedule. 

IRS and Tax Debt

Tax debt can be extremely burdening. Filing bankruptcy may help you to discharge some of your tax debt. This is a complicated subject that can be explained to you during your consultation. 

Repossession

As soon as you file for bankruptcy, the automatic stay of provisions will be enacted. This means any processes of repossession will be halted. To keep the asset that is/was to be repossessed, our bankruptcy lawyers in St. Petersburg, Florida will need to help you to arrange payments or negotiations of your debt. This is often possible through refinancing and other options. 

In addition to the above, a lawyer may help you to:

• Have a lien removed
• Settle credit card debt
• Walk you through consumer credit counseling
• Discharge other debts
• Stop wage garnishments and lawsuits

For a consultation with one a bankruptcy lawyer St. Petersburg, FL trusts, please call Ziegler Diamond Law: Debt Fighters today.