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Best Bankruptcy Attorneys in Clearwater

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Attorney Hanks logo
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Attorney Hanks

9600 Koger Boulevard North, St. Petersburg, FL 33702
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  • Chapter 7 Bankruptcy

Business Description

Attorney Hanks provides legal representation in areas of criminal defense, injury, family law, and bankruptcy in Clearwater, St. Pete, and downtown Tampa. As a bankruptcy attorney, Hanks analyzes clients' assets and debts to determine if they are qualified to file for chapter 7 bankruptcy and obtain debt relief. Hanks has handled thousands of cases, including jury and bench trials, since 1987. Hanks' practice areas also include divorce and auto accidents. He also defends clients charged with felonies and misdemeanors.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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BLANCHARD LAW, P.A. logo
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BLANCHARD LAW, P.A.

1501 South Belcher Road, Largo, FL 33771
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Chapter 11 Bankruptcy

Business Description

Blanchard Law, P.A. is a bankruptcy law firm that serves the Clearwater area. The legal office helps clients navigate the process of filing for chapter 7 bankruptcy. Aside from this, it provides clients with assistance in developing debt reorganization plans once they have decided to file for chapter 13 bankruptcy. The firm also handles chapter 11 bankruptcy cases. Jake Blanchard, Esq., the firm's managing attorney, is the president of the Tampa Bay Bankruptcy Bar Association.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
4.8 / 5 (23)
Avvo
5.0 / 5 (5)
Facebook
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Carolyn Secor, P.A. logo
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Carolyn Secor, P.A.

2451 N. McMullen Booth Rd, #200, Clearwater, FL 33759
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Carolyn Secor, P.A. is a bankruptcy attorney with an office in Clearwater. Secor provides legal counsel for a number of bankruptcy-related concerns, including chapter 7 bankruptcy, chapter 13 bankruptcy, foreclosure assistance, and debt settlement. She reviews clients' debt, assets, and income in order to determine a suitable financial solution. The lawyer also assists clients in filing chapter 7 bankruptcies. This service covers legal protection and representation. Carolyn Secor, P.A. has been in practice since 2000.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (64)
Avvo
5.0 / 5 (29)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
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Detail
DAY LAW YOUR HOMETOWN ATTORNEYS logo
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DAY LAW YOUR HOMETOWN ATTORNEYS

4108 Deltona Boulevard, Spring Hill, FL 34606
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Debt Settlement

Business Description

The Day Law Office provides legal assistance to clients in Clearwater and nearby communities. The bankruptcy lawyers from this firm offer debt-relief services, including removing debts through chapter 7 bankruptcy, preventing foreclosures, reducing house payments, and restructuring through Chapter 13 bankruptcy, and stopping creditor harassment. The firm also handles divorce modification, probate administration, will preparation, and paternity litigation. The co-founder of the firm, Sandra H. Day, has filed more than 3,600 consumer bankruptcy cases.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Law Offices of Jeffrey A. Herzog, P.A. logo
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Law Offices of Jeffrey A. Herzog, P.A.

3106 ALT 19, Suite A, Palm Harbor, FL 34683
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Law Offices of Jeffrey A. Herzog, P.A. provides the legal counsel of criminal defense lawyers and bankruptcy attorneys. The firm defends clients in Clearwater, Palm Harbor, Trinity, and the rest of Pinellas and Pasco Counties. The firm practice a broad spectrum of legal areas, including business law, personal bankruptcy, foreclosure, real estate, probate and estate administration, estate planning, and criminal defense. Managing lawyer Jeffrey A. Herzog was the assistant state attorney for the sixth judicial circuit office.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.6 / 5 (33)
Avvo
5.0 / 5 (15)
Facebook
5.0 / 5 (9)

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Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
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––
Law Offices of Karen Gatto logo
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Law Offices of Karen Gatto

8270 Woodland Center Boulevard, Tampa, FL 33614
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

The Law Offices of Karen Gatto serve Clearwater and the surrounding areas. The bankruptcy law firm handles personal bankruptcy matters, including chapter 7 bankruptcy, which helps clients keep up with credit card bills, mortgages, and day-to-day expenses. It also handles chapter 13 bankruptcy, which eliminates second mortgages and restructures car payments. Karen Gatto, the president of the firm, is licensed to practice in the middle and southern federal district courts of Florida and in the state courts of Florida.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
4.6 / 5 (9)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Sonya C Colon Esq. logo
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Sonya C Colon Esq.

1311 West Fletcher Avenue, Tampa, FL 33612
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Sonya C. Colon Esq. is a bankruptcy law firm serving throughout Clearwater and nearby areas. The law office offers chapter 7 and 13 bankruptcy options to help clients obtain debt relief. The firm also handles cases related to estate planning, probate, and family law, which include property division, child custody, will and personal document preparation, alimony, and paternity lawsuits. Founding attorney Sonya C. Colon established the firm in early 2008.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Avvo
5.0 / 5 (11)
Facebook
5.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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The Law Office of Carol A. Lawson logo
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The Law Office of Carol A. Lawson

2451 McMullen Booth Rd. Suite 254, Clearwater, FL 33759
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

The Law Office of Carol A. Lawson is a bankruptcy law firm that provides legal services in the Clearwater metro. Founded in 1998, the firm helps clients prepare and file for either chapter 7 or chapter 13 bankruptcy, or identify out-of-court alternatives. The process starts with extensive debt research of the client's assets and expenses called the means test. This then helps create the appropriate course of action in accordance with the 2005 changes in the Bankruptcy Law.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Avvo
5.0 / 5 (20)
Google
4.5 / 5 (14)
Yelp
3.5 / 5 (6)

(+1 additional source)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Weller Legal Group logo
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Weller Legal Group

25400 US Highway 19 North, Clearwater, FL 33763
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Debt Settlement

Business Description

Weller Legal Group PA is a bankruptcy law firm with offices located in Port Richey, Lakeland, Tampa, and Clearwater. Its team of attorneys helps consumers solve debt issues by filing for chapter 7, 11, 12, and 13 bankruptcy. The firm also has alternatives to bankruptcy, which include foreclosure defense, credit repair and counseling, loan modification, settlement, and collection violation. Weller Legal Group's bankruptcy lawyers have been serving clients since 1993.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Google
4.8 / 5 (37)
Facebook
4.3 / 5 (8)
Avvo
2.5 / 5 (3)

(+1 additional source)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
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Frequently Asked Questions

What does a bankruptcy attorney do?

Bankruptcy attorneys help clients understand whether they qualify for bankruptcy and what their best options are. They also prepare and file petitions, answer questions during the proceedings, and educate clients about potential best steps for a positive bankruptcy outcome. Bankruptcy attorneys might also file motions or paperwork if creditors dispute the bankruptcy, or to stop creditors from taking collections actions forbidden by the bankruptcy.

What happens when you file bankruptcy?

Bankruptcy is a formal process that individuals, married couples, or businesses can enact when they are no longer able to pay creditors. In a bankruptcy proceeding, filers are allowed to reduce debt to more manageable levels to best pay off money owed.

Once the bankruptcy process is initiated, debt collectors can no longer seek repayments outside of the arrangements detailed in the bankruptcy settlement. Some forms of bankruptcy result in the liquidation of assets to pay back debts, while others allow filers to retain most of their possessions and investments. Many types of unsecured debt can be managed with bankruptcy filings, but not all.

Can you file bankruptcy on student loans?

Under most circumstances, student loans aren't dischargeable and aren't included in bankruptcy proceedings. In rare cases, it may be possible to eliminate student loans through bankruptcy, but only if the courts determine that continuing to pay the loans would impose an undue hardship. Meeting the criteria for undue hardship is challenging, and most bankruptcy filers don't qualify.

What is bankruptcy fraud?

Bankruptcy fraud is a blanket term that refers to any kind of dishonest bankruptcy proceeding, which can include:

  • Hiding assets by transferring them to another person or entity
  • Intentionally omitting assets when reporting to the court
  • Destroying or withholding required documents
  • Knowingly making false statements to bankruptcy trustees or creditors

How long is bankruptcy on public record?

How long bankruptcy stays on public record depends on the kind of bankruptcy filing in question. Chapter 7 bankruptcy remains on the record for 10 years as there isn't necessarily a repayment component. Chapter 13 bankruptcy remains on the record for seven years as some obligations are repaid following filing based on the terms of a discharge settlement.

Does bankruptcy clear tax debt?

Bankruptcy can clear tax debt, depending on the circumstances. Taxes are dischargeable under Chapter 7 bankruptcy, not Chapter 13, and only if the tax debt is:

  • Federal income tax debt related to current properly filed tax returns
  • Honestly incurred with no fraud or evasion
  • At least three years old
  • Assessed at least 240 days before bankruptcy filings

Existing liens are not eliminated with bankruptcy.


Can they take my car in Chapter 7 bankruptcy?

In many cases, it's possible to keep a vehicle following Chapter 7 bankruptcy. The Chapter 7 Motor Vehicle Exemption allows filers who own their vehicles outright or who are up to date with payments to keep their cars. However, those behind on making car payments are required to arrange a repayment plan. Otherwise, the vehicle may be repossessed as a part of the proceedings.

How bad is it to file bankruptcy twice?

Although possible, due to the damaging nature of bankruptcy, filing bankruptcy more than once isn't recommended. Filing multiple times puts a serious burden on one's credit report, making it harder to get a loan, buy a house, buy a car, or even open credit cards.

Note that filing for bankruptcy isn't something that can be done at a filer's leisure. There are time limits following bankruptcy cases that dictate when it's permissible to file again. For example, after Chapter 7 bankruptcy, filers must wait at least eight years before filing Chapter 7 again or four years before filing Chapter 13.

Can anyone file bankruptcy?

Anyone can file bankruptcy, but there are limitations regarding which form of bankruptcy is permissible. Qualifying for Chapter 7 requires a means test that evaluates income, debt levels, and income left over each month after paying basic obligations. Income over the median set by the court and monthly income that allows meaningful payments toward unsecured debt can disqualify filers from Chapter 7, which is generally the preferred form of bankruptcy due to the possibility of a full discharge. Anyone can file Chapter 13 bankruptcy, but the terms are less favorable. In most cases, some debts must be repaid following a successful filing. Chapter 13 is also more likely to result in asset forfeiture.

How will bankruptcy affect my credit score?

Bankruptcies are noted on credit reports. How much a bankruptcy might drop a person's credit score depends on how high the score was to begin with, but generally speaking, the hit can be as much as 100 to 200 points. Often scores are already dropping because people filing for bankruptcy may have already missed payments on debts. Chapter 13 bankruptcies are listed on credit reports for seven years from the filing date, while Chapter 7 bankruptcies are listed for 10 years from the filing date. This is because Chapter 13 bankruptcies require at least partial payment of debts owed.

What are the benefits of filing for bankruptcy?

Filing a bankruptcy petition causes an automatic stay. This legally stops creditors from taking further action to collect debt, including garnishing wages or foreclosing on property. Going through a bankruptcy successfully means that debts included in the bankruptcy are discharged and don't have to be paid back, except as provided in a Chapter 13 repayment plan. Bankruptcy can help someone recover from financial duress so they can make better decisions and improve financial situations in the future. Disadvantages can include temporary lower credit scores and limitations on spending and financing.

What's the difference between debt settlement and bankruptcy?

Debt settlement occurs when people negotiate with individual creditors. The creditor agrees to take a payment that's lower than what someone owes and call the debt “paid in full.” Bankruptcy is a legal process that causes debts to be dismissed after someone proves they don't currently have the means to pay their debts as owed. Typically, someone can't enter into bankruptcy and also settle some debts, because the court would see that as favoring one creditor over another.

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