to File Bankruptcy What Documents Are Needed?

Paul O’Bier from Holiday, Florida asks, in order to file Bankruptcy, what documents are needed? Thank you, Mr. O’Bier from Holiday. In the Middle District of Florida, Tampa Division, the Documents needed to file Bankruptcy, and or those that are requested by the respective Chapter 7 and Chapter 13 Bankruptcy Trustees, are similar for both Chapters of Bankruptcy. I suspect that the Documents required in other Jurisdictions are similar to those required in the Tampa Division for the Middle District of Florida. The Documents generally Read More +

Bankruptcy Discharge Revoked?

Justin Colen of Palm Harbor, Florida asks, If I receive a Bankruptcy Discharge, may the Discharge later be Revoked? Thank you, Justin of Palm Harbor. I hope things work out with that lawsuit from the Hamburglar, arising from the altercation in the McDonald’s parking lot. Any Interested Party may bring an Action to seek the Revocation of the Bankruptcy. In order for the Discharge in a Bankruptcy to be Revoked, the following must exist: INTERESTED PARTY. Only an Interested Party can bring an Action to Read More +

Dismiss Bankruptcy After Filing?

Amy Z of Palm Harbor, asks, “Can a Bankruptcy be Dismissed after filing”?  Thank you Amy from Palm Harbor, Florida.  Generally, a Debtor can either Dismiss a Chapter 13 after Filing a Chapter 13 Bankruptcy. A Debtor may seek to Dismiss a Chapter 7 Bankruptcy after filing.  A Debtor may wish his Chapter 7 Bankruptcy Dismissed because an aggressive Chapter 7 Bankruptcy Trustee may be seeking to Seize or Liquidate Assets that the Chapter 7 Debtor possesses.  The Debtor, before filing Chapter 7 Bankruptcy may Read More +

is Bankruptcy A Public Record?

Thank you Joan B of Port Richey, Florida for your question whether Bankruptcy is a Public Record.  Yes.  The filing of a Bankruptcy is a Public Record.  Theoretically, anyone can, if sufficiently determined, discover whether you filed Bankruptcy. The average person would not know be able to discover this information unless they physically went to the Bankruptcy Court, and inquired whether a particular person filed Bankruptcy.  If the Court was able to locate that particular person’s Bankruptcy filing, then the inquirer could then request a Read More +

What is A Confirmation Hearing in A Chapter 13 Bankruptcy?

Jennifer V from Palm Harbor, Florida, asked the Bankruptcy Attorney, What is a Confirmation Hearing in a Chapter 13 Bankruptcy.  Here is a Video explaining the Confirmation Hearing and Process in a Chapter 13 Bankruptcy: Sections 1324 and 1325 of the Bankruptcy Code address the concept of a Confirmation Hearing in Chapter 13 Bankruptcy.  Generally, the Confirmation Hearing is held between twenty to forty five days after the completion of the 341 Meeting of Creditors. The status and reverence bestowed upon the Confirmation Hearing has Read More +

Johnny B of Brandon, Florida Asks, What is A Fraudulent Transfer in Bankruptcy?

Thank you, John B of Brandon.  Here is a Video we made on Fraudulent Transfers in Bankruptcy. Section 548 of the Bankruptcy Code addresses Fraudulent Transfers in Bankruptcy.  Section 548(a)(1) states, for example, that the Bankruptcy Trustee may Avoid any Transfer of Property or other Interest by the Debtor, provided the Transfer was (1) within two years of the Debtor filing Bankruptcy, (2) was to an Insider, and (3) the Debtor received less than Fair Market Value from the Transferee, in exchange for the Property Read More +

What is A Discharge in A Chapter 13 Bankruptcy?

Paul O from Port Richey, Florida asks, what is a Discharge in a Chapter 13 Bankruptcy.  The following video explains what is a Discharge in a Chapter 13 Bankruptcy.  Discharge in Chapter 13 is described in Section 1328 of the Bankruptcy Code.  Section 1328(b) provides for a Hardship Discharge. Section 1328(e) and 1328(f) of the Bankruptcy Code discuss instances in which a Discharge may be Revoked. A Discharge in a Chapter 13 Bankruptcy generally provides that certain Claims are paid, or satisfied in full, through Read More +

Can I Change My Social Security Number to Rebuild My Credit Rating?

John Patterson from Brandon, Florida asks if it is possible to obtain a new Social Security number in order to improve his credit rating.   This is a commonly asked question of the Bankruptcy Attorneys at our Office.  We hope that this video we prepared may help to answer your question.  

Chapter 7 Bankruptcy in 982 Words

Chapter 7 Bankruptcy is so named because it is a form of Bankruptcy that is formed under Chapter 7 of the United States Bankruptcy Code.  The United States Congress gains its authority to create and change the Bankruptcy Laws through the specific grant of the United States Constitution.  Any revisions to the United States Bankruptcy Code must be passed by Congress, and also, with certain exceptions, the approval of the President. The Bankruptcy Laws in the United States, are partly a reflection of the Bankruptcy Read More +

Clearwater Beach, Florida

Here are some photographs that I have recently taken, in May of 2016, at Clearwater Beach. The first photograph is taken from the fifth floor of a building located at Island Way Estates, a man-made island that forms the Intercoastal that lies behind the main beach, which fronts the Gulf of Mexico, known as Clearwater Beach. The photograph was taken with an Iphone 3 telephone/camera. I used some of the editing functions available with the camera, including the “Enhancement” function, and a filter called “Process”. Read More +