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Bankruptcy Services

At Debt Relief Legal Group, we have 35 years of combined experience focusing on bankruptcy law. We work hard to help our clients every step of the way throughout the bankruptcy process. You can rely on our bankruptcy lawyers to guide you to make the best choices, answer all of your questions, and address any concerns you have.
Are you or your family struggling to make ends meet and falling deeper into overwhelming debt? At Debt Relief Legal Group, we help clients of all types to file for Chapter 7 bankruptcy. Chapter 7 bankruptcy can help you seek relief from debt and secure a brighter financial future by eliminating debt. The process can be relatively simple when you navigate it with the help of a skilled Tampa bankruptcy attorney. In order to file for Chapter 7, you will need to qualify through a means test. The test uses a formula to analyze your expenses and income to determine if you are eligible. Our firm can help you find out whether or not you qualify for Chapter 7 and will ensure that you have the support you need every step of the way throughout the bankruptcy process.

Are you dealing with overwhelming debt or struggling to pay your bills? You may qualify for Chapter 13, which allows you to catch up on payments and pay off your debt. Chapter 13 is a common form of bankruptcy in which you are able to petition for a court-approved plan where you pay back a portion of your debt. This form of bankruptcy may be recommended if you could lose valuable assets in Chapter 7 or if you are facing foreclosure. At Debt Relief Legal Group, our Tampa bankruptcy attorneys can work with you to determine if Chapter 13 is right for you. We understand that filing for bankruptcy can seem confusing and we want to help you understand the process before you file. You can count on us to guide you and protect your best interests every step of the way.

The main differences between Chapter 7 and 13 are as follows:
Chapter 7: Also known as liquidation bankruptcy, allows you to discharge most of your unsecured debt. You liquidate non-exempt assets in order in this chapter of bankruptcy. If you have significant credit card debt, medical debt, or signature loans, Chapter 7 may be right for you. However, there are limits on what property and how much you are able to keep.
Chapter 13: Also known as the repayment plan, allows you to reorganize your debt into affordable monthly payment plans. If you are facing an IRS levy or foreclosure of your home, Chapter 13 may be the answer This chapter allows you to keep your home and other property. The only downside is that you will be expected to “tighten your budget”.

Alternatives to Bankruptcy

When you are making decisions that will impact your financial health and your future for years to come, it is important that you look at all of your options. While bankruptcy is often the best solution for many people faced with debt, there are certainly alternatives. Some people try programs such as the following:

  • Debt settlement
  • Debt consolidation
  • Credit counseling
  • Loan modifications

Others simply try to pay off the debts themselves by exhausting every option for more finances.

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