Chapter 7 and Chapter 13 Bankruptcy Lawyer

Are you looking for a bankruptcy attorney? Feel like you’re drowning in debt and need a way out? Our experienced attorneys can help you through the chapter 7 or chapter 13 bankruptcy process so you can finally get some relief. We offer FREE consultations so you can get a better understanding if bankruptcy is right for you.  Our Pinellas Park Bankruptcy lawyer can explain how bankruptcy can help put an end to threatening collection calls, debt collection lawsuits, and auto repossessions. 

Getting into financial trouble is understandable and not always your fault. Sometimes we experience hardships like unexpected medical bills or loss of work. There are a lot of misconceptions about the various debt relief options out there and you need to know your rights. Call (727) 578-5030 to start your free consultation and start working with a great bankruptcy lawyer today!


Chapter 7 and Chapter 13 Bankruptcy Lawyer

Bankruptcy basics

Whenever bankruptcy is mentioned, people typically think of a large corporation declaring bankruptcy during a press conference. Well, anyone who meets the requirements can file for bankruptcy, including you. The protection that bankruptcy offers is much more than debt cancellation.  The requirements to meet each chapter are varied and can be very confusing. 

Here’s what’s considered when filing for bankruptcy:

  • Your earned income
  • How much debt you owe?
  • Your assets
  • The nature of the debt (secured or unsecured)
  • Nature of the debtor (Are they a business, an individual, self-employed, etc.)


All of these factors are evaluated to see what chapter of bankruptcy you could be eligible for. For example, secured debt is debt that’s attached to an object, like a house or a car. Unsecured debt is considered to be things like credit cards and medical bills. To further add to the confusion, unsecured and secured debt comes in different categories and each is handled a bit differently.

This is why having the backing of an experienced attorney is so important. At Starr Law Offices, getting what’s best for our clients is our top priority.

Chapter 7 Bankruptcy

This type of bankruptcy is a discharge of all of your eligible debt.  Bankruptcy is in ‘all in’ situation.  Once the qualified debt is discharged, you no longer have to pay it.The debtor could be an individual, a business, a corporation, or any other legal business entity. 

Here are some other quick facts about chapter 7:

  • A Trustee is appointed to oversee your case
  • Child Support, most taxes and student loans are not dischargeable
  • Secured debt must be current to keep the collateral it is attached to
  • Allows liquidation of assets to pay creditors
  • Grants protection from creditors after discharge of debt
  • Counseling Courses are a requirement


Stopping harassment by creditors is one of the protections offered by bankruptcy. This means that they can’t contact you about a debt that was discharged.

Chapter 13

This type of bankruptcy is a reorganization and consolidation of your debt into a 3–5-year payment plan based on your full financial picture. A Trustee is appointed to oversee the case and the payment plan must be approved by the Court.  It’s an option that’s available to individuals that do not meet the requirements of chapter 7 because of income or asset requirements. One of the benefits of a chapter 13 bankruptcy is it allows an individual to save their home from foreclosure.

Here are some other benefits and features of chapter 13:

  • Stops foreclosure proceedings 
  • Allows rescheduling of secured debt
  • Helps keep assets that total a higher value than allowed
  • Keeps Creditors at bay while you get a handle on your debt


Chapter 13 offers similar protection, as chapter 7. Bankruptcy can be a confusing and difficult time in your life. This is why working with Starr Law Offices is so important.

When should you file for bankruptcy?

If you’re having trouble paying your debts and you’ve exhausted all your options, then it’s time to consider bankruptcy. This means you’ve tried to negotiate lower payments, tried credit counseling and debts are still piling up. There are a few questions that you should ask yourself when you start. That’s why we offer a FREE consultation. Here are some typical questions that come up.

  • Do I make too much?
  • Can I keep my house?
  • Can I keep my car?
  • Will bankruptcy affect my credit score?
  • Do I have too much debt?
  • How long does bankruptcy take?
  • How much will this cost

Let Pinellas Park Bankruptcy lawyer help you through bankruptcy

Having an experienced lawyer could make the difference in having a smooth bankruptcy or not. There are many challenges and hurdles that have to be faced when going through bankruptcy. Our experienced bankruptcy attorneys are committed to getting you or your business the relief you deserve.

While we are located in Pinellas Park, FL, we do serve the surrounding areas including Tampa, Clearwater, and St. Petersburg. Our staff also speaks Spanish to better serve the Hispanic community.

Give us a call at (727) 578-5030 to start your FREE consultation or click here to get started today!