Best Bankruptcy Lawyers Palm Coast, FL

Palm Coast, FL Bankruptcy FAQs

• Where do I file for bankruptcy in Palm Coast, Florida?

  Palm Coast residents may file for bankruptcy at the Bryan Simpson United States Courthouse, 300 North Hogan Street, Suite 3-150, Jacksonville, Florida 32202. For further assistance, you may call the court office at 904-301-6490.

• Where can I get bankruptcy forms in Palm Coast, Florida?

  If you are filing for bankruptcy in Palm Coast, you may download the necessary forms at https://www.uscourts.gov/forms/bankruptcy-forms.

• What will happen if you miss the 341 meeting in Palm Coast?

  If you fail to appear at your scheduled 341 meeting, your bankruptcy case in Palm Coast may be dismissed. You must inform the trustee if you need to change the hearing date. Also known as the “meeting of creditors,” the 341 meeting requires you to appear in court, testify under oath, and answer questions from creditors. It is presided over by the trustee assigned to your case.

• How long will your bankruptcy case take in Palm Coast?

  In Palm Coast, the length of time that your bankruptcy case will take depends on many factors, including your circumstances and the type of bankruptcy you filed. Generally, a Chapter 7 case gets completed within four months from the date of filing. Meanwhile, a Chapter 13 case typically takes 60 months to complete.

• Is there a limit to how many times you can file for bankruptcy in Palm Coast?

  No. There is no limit to how many times you can file for bankruptcy in Palm Coast. However, there are time limits in place that require you to wait after one bankruptcy before filing another. For instance, you can only file a second Chapter 7 petition eight years after your first filing date, and you can file a new Chapter 13 proceeding two years after the date of your first filing.

• Is it true that you will be left with nothing after filing for bankruptcy in Palm Coast?

  It isn’t true that you will have to give up everything when filing for bankruptcy in Palm Coast. Under the Bankruptcy Code, you can keep certain personal property. You might even be permitted to “buy back” your property from the trustee even if its value is greater than your allowance. This ensures that you never lose access to your property.

• Can you petition the court to remove a bankruptcy from your credit report in Palm Coast?

  No. You can’t petition the court to remove a bankruptcy from your credit report in Palm Coast, as the Bankruptcy Court has no jurisdiction over credit reporting agencies. Therefore, your bankruptcy won’t stay on your credit report for good. The Fair Credit Reporting Act prohibits credit reporting agencies from including a bankruptcy on your report ten years after the filing date.