Truth, simplicity and candor: these are the cardinal virtues of a lawyer." - George Sharswood

St. Petersburg Chapter 7 Bankruptcy Attorney

Assisting clients throughout St. Petersburg with their Chapter 7 bankruptcy issues.

Chapter 7 Bankruptcy and the Discharging of Debts

Chapter 7 is a legal way to discharge unwanted or unmanageable debts. If you are considering bankruptcy, you want a clear understanding of your rights, obligations and the potential pitfalls. You also want to make sure that bankruptcy is the right decision for you and your family. At Carnal & Mansfield, P.A., in St. Petersburg, Florida, we have extensive experience in bankruptcy law and will review your individual circumstances, protect your rights and help you on the path to financial independence.

Many people who are filing bankruptcy have suffered an unexpected life change, such as an injury, job loss or divorce. If you are unemployed or are struggling to manage overwhelming debt, we can help you protect your rights and explore your options in bankruptcy.

Our St. Petersburg Chapter 7 bankruptcy attorneys can help you:

  • Stop creditor harassment
  • Protect your assets
  • Stop foreclosure
  • Eliminate unwanted debt
  • Achieve financial independence

Determining Eligibility for Chapter 7 and the Means Test:

When you meet with our knowledgeable St. Petersburg bankruptcy attorneys, we will carefully listen to your current situation, including your income, debts and assets, to determine your eligibility for filing bankruptcy and which type of filing will best suit your situation, your needs and goals.
One of the main factors used in determining eligibility for a Chapter 7 filing is your income over the past six calendar months. We will also evaluate your assets to determine what exemptions may be appropriate to allow you to keep those assets. If your income or assets exceed the limits for a Chapter 7 filing, we can assist you in filing a Chapter 13 case.

If you qualify to file for bankruptcy relief under Chapter 7 of the bankruptcy code, the St. Petersburg Chapter 7 bankruptcy attorneys will provide assistance throughout the process, from gathering the required information, to the filing of your case, to the entry of your discharge.

Chapter 7 Bankruptcy and the Discharging of Debts

Although filing for Chapter 7 bankruptcy will adversely affect your credit, it will also give you a chance to wipe the slate clean. You will not be required to repay your debts once they are discharged.* Chapter 7 is a debt relief option available not only to individuals, but also to businesses that are closing or shutting down because of unmanageable debt.

If you are eligible for Chapter 7 bankruptcy but want to keep certain assets that exceed your allowed exemptions, we can counsel you about filing under Chapter 13 bankruptcy for debt consolidation or reorganization, which may be a more appropriate option.

St. Petersburg Chapter 7 Bankruptcy Attorneys

Call 727-381-8181 or contact us by e-mail for an initial consultation with our experienced bankruptcy attorneys in St. Petersburg. Our firm offers a 20 percent fee discount to AARP members.

* Certain debts are not dischargeable under bankruptcy law, including student loans, child support, alimony and debts related to criminal charges.

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6528 Central Avenue, Suite B
Saint Petersburg, Fl 33707

tel: 727-381-8181
fax: 727-381-8783

Carnal & Mansfield, P.A. is located in Saint Petersburg, FL and serves clients in and around Saint Petersburg, Seminole, Tarpon Springs, Indian Rocks Beach, Largo, Belleair Beach, Clearwater Beach, Terra Ceia, Clearwater, Anna Maria, Sun City Center, Ruskin, Holmes Beach, Safety Harbor, Tampa, Bradenton Beach, Sydney, Cortez, Ellenton, Oldsmar, Ozona, Crystal Beach, Brandon, Hillsborough County and Pinellas County.

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