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Bankruptcy

These are unprecedented economic times and many hard working people all over the country have found themselves in unmanageable financial situations.   If you need help resolving your financial difficulties, or need a fresh start, you may want to consider filing for bankruptcy.  A bankruptcy attorney from The Rosenthal Law Group in St. Petersburg, FL can provide the  information, advice and expert legal representation you need to  file for chapter 7 bankruptcy or chapter 13 bankruptcy, stop creditor harassment and begin rebuilding your credit.  While bankruptcy is not for everyone, at times, it is the only way.  Different bankruptcy options exist, and it is possible for you to file bankruptcy and not lose any of your possessions.  Even if you are in foreclosure, it may not be too late to save your home. 

Should You Declare Bankruptcy?

We have bankruptcy Laws to ensure that no one becomes enslaved to circumstances, often beyond their control.  If you are experiencing any of the following, call us today; we can help. 

  • Do your credit balances never seem to get smaller? 
  • Do you hate answering your own phone? 
  • Have you lost your job or had an illness and are now unable to pay your bills?
  • Have you had to go on disability, been through a divorce and are now worried about repossession?
  • Do you have to sacrifice basic necessities just to keep food on the table? 
  • Is your home threatened by foreclosure? 

Why Declare Bankruptcy

If you are struggling with unmanageable debt, don't be afraid or unwilling to ask for help.  People in difficult or desperate financial situations often feel that they are somehow to blame or have done something wrong.  And because they feel that they must somehow be at fault, they are reluctant to ask for help or file for bankruptcy to get a fresh start.  Contact us now

Benefits of Declaring Bankruptcy

If you are considering bankruptcy, you need to know what your options are and how your choices will affect your future. The bankruptcy process is complex and will impact your life for several years. But for many people struggling with overwhelming debt, foreclosure, or repossession, bankruptcy is the best path to a fresh start. Filing bankruptcy can provide immediate relief for your financial issues as well as the emotional stresses they create. Read more about the benefits of filing bankruptcy for those that qualify…

Who Qualifies for Bankruptcy

Qualifying for bankruptcy is a simple process with a very complicated formula.  Qualification for chapter 7 bankruptcy is determined by the Means Test.  The Means Test compares your income over the six months prior to your filing with the mean of other households of the same six months in the state in which you are filing, in this case Florida.  The Florida mean income for households changes often so be certain to contact us for the current level.  Applying the Means Test properly can be extremely complicated as there are many qualifications and exceptions that will need to be taken into account to ensure it is accurate.  Read more about the Means Test…

Contact Rosenthal Law Group, P.A.

If you decide to explore the bankruptcy option and need an experienced St. Petersburg bankruptcy attorney, call us and let us help you get a fresh start.  We know that everyone’s situation is unique so we take the time to review your situation, listen to your concerns and make sure that you understand your legal options. At Rosenthal Law Group P.A., we can help you through the process of getting your life back. We will work to find the right solution to fit your circumstances and help you through the process with dignity.  Contact us now!