This page was written, edited, reviewed & approved by Emil J. Fleysher following our comprehensive editorial guidelines. Emil J. Fleysher, the Founding Partner, has 15+ years of legal experience as a bankruptcy attorney. Our last modified date shows when this page was last reviewed.
Struggling with debt is overwhelming. Bills keep piling up. Calls from creditors don’t stop. You may feel like you’ve run out of options. But you’re not alone, and there is a way out.
A Tampa bankruptcy lawyer can help you understand your rights. Bankruptcy isn’t just for big companies. It’s a legal tool for people like you who need a fresh start. If you’re in the Tampa Bay area and your finances are out of control, you don’t have to figure this out alone.
Fleysher Law Bankruptcy and Debt Attorneys helps you take control of your financial situation. Whether you're facing foreclosure, lawsuits, or wage garnishment, our legal team can help. With the right guidance, you can protect what matters and move forward with confidence.
Filing for bankruptcy is serious. You need someone who knows the law and how to protect your rights. A lawyer can make a big difference.
Bankruptcy laws can be confusing. You might not know which type fits your situation. One mistake can delay your case or cause it to get thrown out. An experienced Tampa bankruptcy attorney helps you choose the right chapter. They explain the bankruptcy code in simple terms. They also know what the court expects. That means fewer delays and fewer problems.
Florida law advisers understand Florida’s local bankruptcy rules. They know how Tampa courts operate. Their job is to help you file correctly and on time. With help from a qualified law firm, you won’t have to guess your next step. Having someone who knows the process makes everything easier. Let a bankruptcy lawyer represent you and guide you each step of the way.
Bankruptcy doesn’t mean losing everything. In many cases, you can keep your home, car, and belongings. But you need someone who knows how to protect those rights. A Tampa bankruptcy attorney understands Florida exemptions. These protect certain types of property. Without a skilled lawyer, you might give up more than necessary.
A seasoned attorney can stop creditors from taking your things. They’ll check every detail and make sure you're covered. With the right legal services, you get peace of mind and protection. Fleysher Law Bankruptcy and Debt Attorneys will help you defend what’s yours. We're committed to getting you the best outcome under the law.
A bankruptcy filing stops most collection actions right away. This is called an “automatic stay.” It gives you space to breathe. Creditors must stop calling. Lawsuits freeze. Foreclosure defense becomes easier. Wage garnishments end.
A Florida bankruptcy attorney can help you get this protection fast. They’ll file the right documents and start the process quickly. With the help of competent bankruptcy attorneys, you can avoid losing your paycheck or your home.
If you’re facing debt collectors or foreclosure, don’t wait. Legal help can stop things from getting worse.
Bankruptcy involves paperwork. A lot of it. If you file something wrong, it can delay your case or cause it to fail. Your Tampa bankruptcy attorney checks every form. They make sure your bankruptcy petition is accurate. They confirm your assets, debts, and income are listed properly.
Mistakes can cost you time and money. They might also lead to lost property or court penalties. A reliable attorney avoids those problems. Fleysher Law Bankruptcy and Debt Attorneys are careful, thorough, and experienced. Our goal is to help you succeed without setbacks.
Each case is different. Our law firm handles several types of bankruptcy to fit your financial situation and goals.
Chapter 7 is also called “liquidation bankruptcy.” It wipes out most unsecured debt, like credit cards and medical bills. You may need to sell some property, but many assets are protected by Florida law. A bankruptcy attorney will review your case to see what you can keep.
If you qualify, Chapter 7 can give you fast debt relief. It typically takes just a few months to complete. You’ll have a clean slate and a chance to rebuild. An experienced Tampa bankruptcy attorney will walk you through the process step-by-step. This way, there are no surprises.
Chapter 13 lets you keep your property and catch up on debt over time. You’ll pay back some or all of what you owe in monthly payments. This plan usually lasts three to five years. It’s a good option if you have a steady income but need help managing payments.
A Florida-licensed attorney can help you build a payment plan that fits your budget. They’ll make sure it meets court rules under the bankruptcy code. If you’re behind on your mortgage or car loan, Chapter 13 can help you save them.
Running a business comes with risks. When debt becomes unmanageable, business bankruptcy may be the answer. Depending on the situation, you may file under Chapter 7, Chapter 11, or Chapter 13. Your bankruptcy lawyer will recommend the best choice.
We also help with debt restructuring and business law concerns. Whether you're shutting down or trying to save your business, we’ll guide you through the process. Fleysher Law Bankruptcy and Debt Attorneys has helped business owners across the Tampa Bay area get back on track.
Not everyone qualifies for bankruptcy. Certain tests and steps decide if you can file and under which chapter.
To qualify for Chapter 7, you must pass the means test. It compares your income to the Florida median income for your household size. If you make too much, you may not qualify. However, some costs like rent, childcare, and medical expenses can reduce your income on paper.
A Tampa bankruptcy attorney will help you complete the means test. They’ll check if you qualify and explain your options. This step is important. You don’t want to assume you’re not eligible without a full review.
To file Chapter 13, you must have regular income. This allows you to make monthly payments under a court-approved plan. There are also debt limits. If your debts are too high, Chapter 13 may not be an option. Your attorney will review these numbers for you.
A Florida bankruptcy attorney knows the rules and can help build a plan that works. Chapter 13 is often a good fit for people with a steady job and valuable assets.
Before filing, you must complete a credit counseling session. It’s required by the bankruptcy code. This session is short (usually about an hour) and can be done online or by phone. You’ll get a certificate to include with your bankruptcy petition. Don’t skip this. Your case can be denied without it.
A bankruptcy lawyer representing consumers will make sure you meet this rule. Fleysher Law Bankruptcy and Debt Attorneys can help you find a trusted credit counseling provider.
A good bankruptcy attorney does more than file paperwork. They give you direction, protect your rights, and make the process less stressful.
Your first step is a free consultation. This meeting gives you answers without pressure. An accomplished Tampa bankruptcy attorney will ask about your income, debts, and goals. They’ll look at your financial situation and explain your best options.
You’ll understand whether Chapter 7 or Chapter 13 makes sense. You’ll also learn what to expect before, during, and after filing. The law firm helps you get clear on your choices. There’s no guesswork. No hard sell. Just honest advice based on your needs.
No two cases are the same. A solid legal strategy can change everything. Your Florida law advisers will build a plan that matches your specific needs. They’ll look at your income, debt, property, and long-term goals.
The goal is simple: find the debt relief option that helps you most. Whether you’re keeping your house, avoiding garnishment, or stopping a lawsuit, your lawyer will guide you. Every detail matters. The right legal plan can protect your future.
Bankruptcy forms are complex. Even small mistakes can delay your case or get it dismissed. Your attorney prepares every form carefully. They’ll confirm your financial information is correct. They’ll double-check everything before filing.
This avoids problems with the court. It also protects you from creditors who may try to fight your case. Fleysher Law Bankruptcy and Debt Attorneys handles every form with care. We follow the rules and deadlines so your case runs smoothly.
No two financial problems are the same. That’s why your bankruptcy strategy should fit your exact situation. An experienced attorney looks at your income, assets, debts, and goals before making a recommendation.
They help you decide whether to file under Chapter 7 or Chapter 13 and walk you through the pros and cons of each. If you’re a small business owner, they’ll also explore your business bankruptcy options. Fleysher Law Bankruptcy and Debt Attorneys takes time to understand your needs before moving forward. With the right strategy, you get better results and avoid surprises during the case.
Filing bankruptcy means preparing a lot of forms. These forms need to be complete, accurate, and submitted on time. Errors or missing information can delay your case — or worse, get it thrown out. A Florida bankruptcy attorney ensures every form is done correctly.
They list your debts, assets, income, and other financial details in a way that meets court rules. They also know how to handle any issues that might come up along the way. Filing a bankruptcy petition is a serious legal step. The law firm gives you the support you need to do it right the first time.
Once you file, you’ll attend a mandatory court meeting called the 341 Meeting of Creditors. A trustee will ask questions about your case. Creditors can show up, too, although they usually don’t. Your Tampa bankruptcy attorney will be right there with you. They’ll prepare you for what to expect and answer legal questions on your behalf.
If any other hearings are required, they’ll represent you there too. You won’t have to stand alone. The legal process can feel intimidating, but having a Florida-licensed attorney by your side gives you protection, confidence, and peace of mind.
Bankruptcy helps with more than just credit card debt. It can give you relief from a range of serious financial pressures.
Most people file for bankruptcy because of overwhelming credit card debt and medical bills. These debts grow fast and can quickly get out of control. If you're only making minimum payments, the balance barely moves.
Add surprise medical expenses, and you can end up buried in bills with no clear way out. Chapter 7 bankruptcy often wipes out these unsecured debts entirely. Chapter 13 can help you repay them through a manageable plan. With help from knowledgeable bankruptcy attorneys, you can finally stop the bleeding and move toward real debt relief.
If you’ve fallen behind on your mortgage or car loan, lenders can take action to collect. That includes starting foreclosure or repossession. Bankruptcy puts a stop to these actions through the automatic stay. This gives you time to work out a plan.
Chapter 13 allows you to catch up on missed payments over time. Chapter 7 may delay foreclosure and offer other benefits. With a solid foreclosure defense from a qualified bankruptcy attorney, you can protect your home and vehicle. Fleysher Law Bankruptcy and Debt Attorneys knows how to fight for what matters most to you.
Unpaid debts often lead to lawsuits. If you don’t respond in time, the court may enter a judgment against you. This can lead to wage garnishment, bank account seizures, or liens on property. Filing bankruptcy can stop all of this in its tracks.
A Tampa bankruptcy attorney can help discharge most civil judgments related to debt. Once you file, creditors must pause legal action. This gives you time to regroup and protect your finances. The law firm acts quickly to give you the legal shield you need when the pressure is on.
While not all tax debts are dischargeable, some older IRS debts may be wiped out through bankruptcy. It depends on the type of tax, how old it is, and whether you filed returns on time. If the debt qualifies, Chapter 7 can eliminate it completely. Chapter 13 can help you pay it off over several years. A knowledgeable Tampa bankruptcy attorney will review your tax situation and explain your options. In some cases, even state taxes can be included. Fleysher Law Bankruptcy and Debt Attorneys understands how to handle tax issues under the bankruptcy code and get you closer to full debt relief.
Bankruptcy is not the end. It’s a new beginning. With the right steps, you can rebuild and take control of your financial future.
After bankruptcy, your credit score may drop -- but not forever. With smart steps, you can start rebuilding right away. Paying bills on time, keeping low credit card balances, and applying for a secured credit card are all good places to start.
Your credit report will show that your debts were discharged, which can actually help in some cases. Over time, lenders will see that you’re managing money better. Many people start seeing improvements in their credit within a year. A skilled attorney can give you tips to speed up this process and avoid common credit repair traps.
Bankruptcy doesn’t mean you’ll never qualify for credit again. Many people buy homes and cars and get approved for apartments within a few years of filing. Some lenders even offer credit cards and car loans right after a case is closed.
The key is to build trust again by showing stable income and responsible spending. A law firm that offers debt relief solutions can also help guide you through this part of the journey. You’re not starting from zero -- you’re starting clean. With the right steps, you’ll find lenders and landlords willing to work with you.
Filing bankruptcy gives you a second chance, but it also teaches important lessons. To avoid ending up in the same spot, it’s important to understand how you got there. An experienced bankruptcy attorney will help you spot the warning signs of future debt traps. That includes high-interest loans, payday lenders, overspending, and relying on credit for everyday expenses.
Fleysher Law Bankruptcy and Debt Attorneys offers more than legal help. We help you build stronger habits so that your new beginning lasts. With the right plan, you’ll stay on track and stay free from crushing debt.
Fleysher Law Bankruptcy and Debt Attorneys brings experience, care, and real results. Here's what makes our team the right choice.
We don’t just practice law -- we live it here in Florida. Our attorneys know the judges, trustees, and procedures in local courts. That means faster answers, smoother cases, and better results. A Florida bankruptcy attorney with local experience makes a difference.
We’ve helped countless people throughout the Tampa Bay area get debt relief that works. You’re not just a case number. You’re someone we’re proud to help through a difficult time.
What debts can bankruptcy eliminate?
Most unsecured debts like credit cards, medical bills, and personal loans are discharged through consumer bankruptcy law. In some cases, even IRS debt and certain judgments may be wiped out. Debts from personal injury claims (if caused by DUI or fraud) usually cannot be discharged.
Can bankruptcy help with student loan debt?
Student loans are hard to discharge, but not impossible. If you can prove that repayment causes extreme hardship, the court may consider it. This includes loans from traditional lenders and other student loan servicers. A bankruptcy attorney can review your options and explain your chances.
Will I lose everything if I file for bankruptcy?
No. Bankruptcy laws are designed to protect people, not punish them. Florida exemptions allow you to keep many of your belongings, including your home, in most cases. The right legal strategy ensures you keep what you need while still getting debt relief.
How soon will debt collectors stop calling after I file?
Debt collectors must stop immediately after you file. This includes calls, emails, letters, lawsuits, and wage garnishment. The automatic stay protects you as soon as the bankruptcy petition is filed.
Do I need a lawyer for bankruptcy, or can I file it myself?
You can file on your own, but it’s risky. Consumer bankruptcy law is complex, and even small mistakes can lead to delays or denial. A bankruptcy lawyer makes sure everything is filed properly and your rights are protected throughout the process.
If debt has taken over your life, it’s time to take it back. You don’t have to handle it alone. A Tampa bankruptcy attorney can help you protect your future, your property, and your peace of mind. At Fleysher Law Bankruptcy and Debt Attorneys, we listen first. Then we act fast to give you relief that lasts.
Our law firm offers free consultations, flexible payment plans, and a legal team that knows consumer bankruptcy law inside and out. Whether you're dealing with credit cards, foreclosure, IRS debt, or even lawsuits from personal injury cases, we’re here to help. We’ve helped people just like you all across the Tampa Bay area.
Don’t wait for debt collectors to make the next move. Let an experienced attorney make the right one for you. Call now and speak with a Florida bankruptcy attorney who puts your financial situation first.
Emil specializes in consumer bankruptcy, debt settlement, and mortgage modification, offering a holistic approach to solving mortgage and debt problems. Emil listens to clients, understands their circumstances and goals, and helps them make the right choices by presenting all options and contingencies.
He is dedicated to helping South Floridians regain their financial freedom from overwhelming debt caused by high interest credit cards, bad mortgage loans, and uninsured medical expenses.
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