Bankruptcy

“Don’t Suffer in Silence…Call Someone Who Cares”

Bankruptcy is seldom easy. Critical decisions have to be made that will impact your financial future. Emotions are on edge. At Battaglia, Ross, Dicus & Wein, P.A.,, in St. Petersburg, Florida, we take a personal approach when helping bankruptcy clients. Let us advise you on the best solution to your financial problems and help you in taking charge of your future. Contact our office located in St. Petersburg, Florida to schedule a consultation.

Bankruptcy Attorney, Rachel L. Drude, is committed to preserving your financial stability and becoming your partner for financial success. Our office offers Chapter 7, Chapter 13 and Chapter 11 Bankruptcy legal representation for businesses and consumers. In a free consultation, we will review your situation, answer your questions and recommend a bankruptcy strategy for you. Our goal is to discharge as many debts as we can, while allowing you to keep most of all of your assets.

Our Bankruptcy Department has expertise and knowledge of the new bankruptcy law (effective October 17, 2007) which makes the process of filing for bankruptcy more complicated. We can lead you through this process and help you find a solution to your financial hardship. The firm will assist you in the process of taking charge of your future and will serve as your partner for success.

The Bankruptcy Code is set forth in Title 11 of United States Code. Since filing bankruptcy in Florida is covered under federal law, all bankruptcy cases are filed in federal court. A permanent resident of Florida can file bankruptcy in the Florida bankruptcy court. You must file bankruptcy in the district of your residence. West Central Florida is in the Middle District of Florida. If you live in the Middle District, which encompasses Tampa, St. Petersburg, Clearwater, Plant City, Manatee County, Pasco County and Polk County, we can assist you in filing your bankruptcy.

Our Bankruptcy Department will become your Partner in Success by Providing:

• Free Consultation
• Prompt Electronic Case Filing of your Bankruptcy Petition
• Online Credit Reports
• We attend all Court Hearings
• We Arrange Professional Credit Counseling
• Reasonable Fees
• Personal Service and Representation

• Foreclosures
• Creditor Harassment
• Repossessions
• Wage Garnishments
• Law Suits
• Reduce or Eliminate Debt Payment

CHAPTER 7 PERSONAL BANKRUPTCY:

Are you in this situation?

• My wages have been drastically reduced
• My income covers my basic expenses, but not my credit cards.
• We can't pay our basic monthly expenses.
• I have a lot of medical debts, credit card bills, and other debts.

If you are in severe financial distress, the solution may be a Chapter 7 bankruptcy, which can eliminate your debts, creditor harassment, stop wage garnishment and give you financial relief to take charge of your future.

A Chapter 7 Bankruptcy is also called a Straight Bankruptcy or a "Fresh Start" bankruptcy. With the new bankruptcy law enacted by Congress in 2005, it is not available to everyone, but if you qualify it could be the solution you need to finally get out of debt. If you have declared bankruptcy in the past, you may not be eligible for a Chapter 7 personal bankruptcy. Instead, a Chapter 13 bankruptcy may be your best option. A Chapter 7 bankruptcy is designed to eliminate Unsecured Debts such as credit cards, medical bills and signature loans. In a Chapter 7 Bankruptcy, you need to continue paying your house and car payments if you intend to keep these items. Individuals must pass a "Means Test" before they are qualified to file a Chapter 7 Bankruptcy.

CHAPTER 7 SMALL BUSINESS BANKRUPTCY:

Many small business owners are not aware of the personal financial risks they take. Owners of small businesses may not be fully protected from creditors or payroll tax liability from their business.

A Chapter 7 business bankruptcy liquidates the business' operation and assets. Outstanding debts are paid from the proceeds of the liquidation, to the extent possible. During the process of filing a Chapter 7 business bankruptcy, it is important to make sure that the personal assets of the business owner are protected from payroll tax and other claims. We understand the bankruptcy process and will use this understanding to protect the client's rights and assets.

CHAPTER 13:

Does This Sound Like Your Situation?

• I have too many real estate properties.
• I'm behind on my mortgage payment.
• I'm behind on my car payments.
• I can cover my living expenses, but not enough to pay all my credit cards .

Chapter 13 Bankruptcy is also called a Debt Consolidation or Debt Reorganization. With a Chapter 13 Bankruptcy, you will be able to enter into a federally supervised repayment plan to reduce your debt. Chapter 13 Bankruptcy is designed to stop a foreclosure on your home. By filing a Chapter 13 Bankruptcy, our Bankruptcy Lawyer can stop the Foreclosure by the Mortgage Company on your home, condominium or mobile home, and allow you to catch up the arrearages or back payments on your property over a sixty month period.

You can also use Chapter 13 Bankruptcy to pay off your automobiles at reduced payments and interest. A Chapter 13 Bankruptcy can lower your credit card payments and if you have money owed to the IRS, you can pay the debt back often with no interest and penalties. Our Bankruptcy Attorney can accomplish many things through a Chapter 13 Bankruptcy in terms of relieving the financial and personal stress of Debt.

The filing of a Chapter 13 bankruptcy in Florida can also help you begin to rebuild your damaged credit rating. If you have received a Chapter 7 bankruptcy discharge of debts in the past, you may not be eligible for Chapter 7, but you may still qualify for Chapter 13 bankruptcy in bankruptcy court.

CHAPTER 11:

Chapter 11 is for Corporate Bankruptcy or Reorganization. This Bankruptcy is usually reserved for an individual or Corporation with over one million dollars in debt. It requires you to file a plan showing how you propose to pay some of your debts over three or five years. Our Bankruptcy Attorneys are trained to handle Chapter 11 Corporate Bankruptcies.

At BRDW, we can help you build a solid foundation for your future.Contact us at (727) 346-6012 to discuss efficient, effective bankruptcy options.