Filing for bankruptcy in the Tampa Bay region? You deserve a bankruptcy attorney who will help protect your financial future.
Do you know Florida has been as high as #2 in the nation for bankruptcy filings? During the last 10 years, our state tends to hover between number two and number 16 in the nationwide bankruptcy rankings.
Residents of the Sunshine State have more credit card debt, more medical debt and lower credit scores than the average American. Many are in desperate need of debt relief. So, if you’re thinking about declaring bankruptcy, you’re not alone.
Struggling to pay a mountain of past due bills is an extremely difficult and stressful experience. Each day seems to come with new demands for payments, and you simply can’t catch up.
According to consumer debt statistics, the average person living in Florida:
- has about $5,700 in credit card debt
- has about $25,000 in student loan debt
- has a mortgage of about $180,000
- owes about $15,500 on a car loan
Florida is also home to the third busiest bankruptcy court in the U.S., which means you may face a backlog of other cases when you file for bankruptcy. Many people feel frustrated by the slow pace of the process.
During this challenging time, the bankruptcy attorneys at Kemp, Ruge, and Green Law Group can help you navigate the bankruptcy process, understand your options and get things moving as quickly as possible.
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“Professional, knowledgeable, efficient, and compassionate – there is no other way to describe how this firm handled my accident claim. Mr. Robert Green and his paralegal, Mrs. Sandreia Kessler, were wonderful! They always treated me with respect and kept me informed concerning my case, from beginning to end. Simply the best!”
-Sandra Wesdock
Here in Tampa Bay, the bankruptcy attorneys at Kemp, Ruge & Green are known for assisting Florida residents with the positive step forward that comes with declaring bankruptcy and filing in he Florida court. This is why we’re always listed among the top lawyers in the state’s attorney directories.
We have extremely high client satisfaction and devote ourselves to helping every client understand their bankruptcy, eliminate debt and get a fresh financial start. Our happy clients know just how dedicated we are to helping people successfully manage bankruptcy.
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Do you have questions about bankruptcy in Tampa Bay? Get started with these tips.
Types of Bankruptcy
Here in the state of Florida, personal bankruptcies take two main forms: Chapter 7 bankruptcy and Chapter 13 bankruptcy. Which one you choose depends on your level of income, how much debt you owe, whether you need to protect your family home and other factors.
Chapter 7 bankruptcy is also known as a “straight” or “liquidation” bankruptcy. In this type of bankruptcy, most of your assets will be converted to a monetary value that will satisfy your creditors. In Chapter 7 bankruptcy, you can wipe out credit card debt, medical bills and many other types of debt. By the end of your bankruptcy, you will have eliminated your debt or lowered it significantly.
Chapter 13 bankruptcy is known as a “debt adjustment” and creates a repayment plan to settle your debts. The focus here is on creating a payment plan where you can afford to pay your monthly bills and re-establish your good name with creditors. Chapter 13 bankruptcy often appeals to homeowners who may be able to remain in their homes while making mortgage payments. You may be able to protect your car and other assets, too.
For questions regarding your specific situation, please reach out to us at Kemp, Ruge & Green and we’d be glad to help.
You Deserve Results
You’re about to hear it here first: The Judicial Branch of the U.S. Federal Government strongly recommends hiring a bankruptcy attorney when considering a bankruptcy declaration. That’s because bankruptcy has serious long-term legal and financial impacts that the average person may not understand.
Your bankruptcy attorney can help you:
- stop creditor calls and harassment
- gather the documents you need to file
- advise you about filing for Chapter 7, Chapter 13 or another form of bankruptcy
- help you understand which debts can be discharged
- assist you with protecting your home, car and other property
- minimize any negative tax consequences involved
- complete all necessary forms and documentation requested by the court
- explain which bills you should continue to pay and which you should not
With the help of a Tampa Bay bankruptcy attorney, your bankruptcy process will go as smoothly and efficiently as possible. Start over with a fresh financial plan where you can handle your monthly bills and stop being hounded by creditors.
You Deserve Kemp, Ruge & Green – When Results Matter
We handle bankruptcy cases throughout the Tampa Bay region, including Hillsborough, Pasco, Pinellas, Hernando, Spring Hill, St. Petersburg and Tarpon Springs. We care deeply about our clients and are experts at helping the people of Florida eliminate debt through bankruptcy.
Talk to your bankruptcy attorney at Kemp, Ruge & Green to decide which bankruptcy route to take and how the bankruptcy should be handled in your unique situation. We’re here to assist you today.
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