If you are facing overwhelming credit card debt, mounting medical bills or the threat of foreclosure, you are not alone. Many Florida families and individuals are in the same situation. However, there is hope. Chapter 7 bankruptcy can be a powerful tool for eliminating debt and gaining a fresh start.

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Tampa, St. Petersburg, Clearwater Personal Bankruptcy Attorney

I am Timothy J. Sierra, Attorney At Law, and at my Florida firm I regularly help numerous people to obtain debt relief through filing Chapter 7 bankruptcy. If you are not sure whether Chapter 7 or Chapter 13 is a better choice for you, I will analyze your individual situation and help you determine which course would be more beneficial.

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Contact me for a free initial consultation to discuss your bankruptcy options. As an experienced Tampa Chapter 7 bankruptcy lawyer, I will help you create a strategy that works for your specific situation.

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Filing Chapter 7 Bankruptcy in Tampa, Florida

Unlike Chapter 13, which involves a repayment plan, Chapter 7 bankruptcy involves liquidation. All of your nonexempt property and assets will be sold to help repay your creditors. However, you will be allowed to keep all property that is considered exempt. I can help you understand exactly what property you can keep before you file a Chapter 7 bankruptcy petition.

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Immediately after you file the petition, the bankruptcy court will issue an automatic stay on your behalf. This automatic stay prohibits creditors from contacting you or pursuing lawsuits against you. The stay is an excellent defense against creditor harassment.

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In addition, Chapter 7 bankruptcy will eliminate all your unsecured debts. Such unsecured debts include credit card debt, medical bills, judgments, unsecured loans and many others. In addition, you can surrender secured debt that you can no longer afford and not be responsible for the remaining portion of the debt. At my firm, I will explain which debts can be discharged in your individual situation.

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Get a Free Initial Consultation With a Clearwater, Florida, Lawyer

To learn more about bankruptcy and debt discharges, schedule a free initial meeting with a Tampa Chapter 7 bankruptcy attorney. Call the office toll free at 877-492-7449 or locally at 813-463-2256, or fill out the online contact form. All messages are returned within 24 hours.

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*We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.