Our Services

Bankruptcy Services in St. Petersburg

Dedicated Attorney Serving Clients Throughout Pinellas County 

If you are drowning in debt or are in danger of losing your assets, bankruptcy may be able to provide the relief you need. Bankruptcy can stop most collection actions, eliminate debt, and give you the tools you need to reorganize your finances.

Our bankruptcy services in St. Petersburg are designed to help individuals and families take advantage of the relief available to them under the law. Our attorney has 30 years of legal experience and will work closely with you every step of the way. We know that you are going through a difficult time and are determined to provide the attentive, empathetic representation you deserve.

Schedule a free initial consultation with our team at Charles G. Moore PA by calling (727) 353-0054 or contacting us online.

Our Areas of Practice

When you file for Chapter 7 or Chapter 13 bankruptcy, most types of collection actions will stop thanks to the automatic stay. Completing a Chapter 7 or Chapter 13 bankruptcy will in most cases allow you to discharge unsecured debts, including credit card debt, medical debt, and signature loans.

Our firm exclusively handles bankruptcy cases, and we have assisted with thousands of filings. When you come to Charles G. Moore PA, we will evaluate whether bankruptcy is right for you, walk you through what the process will entail, and review what types of debt you can expect to eliminate. If you have questions about the basics of bankruptcy or how it works, we encourage you to review our FAQ

Contact us online or at 727-353-0054
to request your free consultation.  
Our Bankruptcy Services in St. Petersburg Include Legal Assistance With:
  • Chapter 7 Bankruptcy. This is the most basic form of bankruptcy that is available to individuals with low income or minimal disposable income. You may be eligible for Chapter 7 bankruptcy if you have little to no disposable income or make less than Florida’s average median income for your household size. In a Chapter 7 bankruptcy, your non-exempt assets will be liquidated to partially repay creditors. Fortunately, many of your assets can be exempted and protected. Many filers lose very little or nothing at all.
  • Chapter 13 BankruptcyChapter 13 is considered a “reorganizational” bankruptcy and is available to individuals who can afford to repay a portion of their debts. You will develop and propose a repayment plan that consolidates your debts into a single monthly payment, the amount of which will be determined by your current disposable income or the value of your non-exempt assets. You will need to make plan payments over a period of 3 to 5 years. Certain types of debts, including tax debt and missed child support payments, receive “priority” and must be addressed before unsecured debts.
  • Foreclosure Avoidance. The bankruptcy’s automatic stay will normally used to halt a pending foreclosure so long as your case is filed before your home is sold. Though you cannot discharge missed mortgage payments without losing your home, you can repay off mortgage arrears, over the course of a Chapter 13 bankruptcy plan. Eliminating unsecured debts can also provide you with the additional financial resources you need to keep up with future mortgage payments.
  • Avoiding and Stopping Wage Garnishments. Creditors can garnish a percentage of your wages once they obtain a money judgment. Some creditors, including the government and an ex-spouse with a child support order, do not necessarily need a money judgment before they can initiate a garnishment. Filing for bankruptcy will stop both pending and ongoing wage garnishments. The process also gives many filers the opportunity to reorganize their finances and address the underlying debt or debts.
  • Avoiding Auto Repossessions. If you miss even a single car payment, your lender likely has the right to enter onto your property and repossess your vehicle. Once a vehicle has been repossessed, it is often difficult to impossible to recover. Proactively filing for bankruptcy when you know you will fall behind on automobile loan or lease payments can save your vehicle, as the automatic stay prohibits repossessions. Missed car payments are considered a secured debt and thus cannot be discharged without losing your vehicle. However, the missed payments can be paid off over time in a Chapter 13 payment plan.
  • IRS Tax Resolution. Bankruptcy can potentially eliminate older income tax debt that meets certain requirements, but it cannot help you discharge newer unpaid income taxes. To avoid wage garnishments or even the seizure of your property, you will likely need to negotiate a settlement directly with the IRS. Depending on your circumstances, we may be able to help you secure a hardship extension, an installment agreement, an Offer in Compromise, or pay the amount due through a Chapter 13 Plan.

Learn more about our bankruptcy services in St. Petersburg by contacting us online or calling (727) 353-0054. We offer same-day appointments and are available to take calls 24/7.

Frequently Asked Questions

  • Which Type of Bankruptcy Is Right for Me?

    There are two major types of consumer bankruptcy: Chapter 7 bankruptcy and Chapter 13 bankruptcy. Chapter 7 is intended for people with limited income, while Chapter 13 is meant for people with ...

  • What Types of Debts Can I Wipe Out through Bankruptcy?

    Completing a Chapter 7 or Chapter 13 generally allows filers to discharge nearly all of their unsecured debts without penalty. Unsecured debts are issued based on your creditworthiness and do not have ...

  • Will I Lose All of My Assets If I File for Bankruptcy?

    No. There is a pervasive myth that you will be left with nothing if you file for bankruptcy. Though Chapter 7 bankruptcy does involve a liquidation process, only non-exempt assets will be sold to ...

  • Can Filing for Bankruptcy Save My Home?

    Yes. Filing for bankruptcy immediately stops foreclosure proceedings thanks to the automatic stay, a court order that halts nearly all collection efforts. However, you must file before your home has ...

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