Galewski Law Group,P.A.

Are you facing foreclosure or automobile repossession? A crisis bankruptcy filing could be capable to stop these actions in their tracks. Our Tampa Bankruptcy Lawyers do NOT advise to wait till the last moment to file for bankruptcy. Nevertheless, it’s possible to submit a bankruptcy petition before your house is captured. Call (813) 222- 8210 for more info. It’s essential to file your emergency bankruptcy petition before the official date the home will be marketed. Keep in mind that each of the filing requirements must be fulfilled. These include preparation and submission of the petition, getting crediting counseling along with other requirements. Galewski Law Group, P.A is best bankruptcy attorney that may help you to get your emergency filing done on time to save your home or vehicle. Note: It’s not suggested to make emergency bankruptcy filing. There are occasions when it’s required, however. Bankruptcy demands extensive paperwork, and has very specific deadlin...

Since a lot of people don’t find themselves in a situation where they’ve to admit bankruptcy, many are ignorant about what bankruptcy actually entails. For that reason, many individuals aren’t familiar with the majority of terms utilized in the bankruptcy process. This might be very frustrating for somebody who is thinking of declaring bankruptcy for the very first time. The two phrases you may hear whenever you choose to declare insolvency are “dismissal” and “discharge”. A lot of people think that the words may be used but that’s not correct. Bankruptcy Dismissal – Definition In order to declare bankruptcy there are particular requirements, you need to meet. By way of example, the U.S. Bankruptcy Code requires all debtors to go through a credit counseling course within 180 days before submitting their petition. Should they do not adhere to this along with other requirements, it’ll result in the automatic dismissal of their bankruptcy case. Some ...

Once you declare Chapter 7 bankruptcy, you get a clean slate to start over. If you file a Chapter 13 bankruptcy , you get the chance reorganize your debt and slowly settle your creditors. But, it may be simple to fall back on debt. Statistics show that between 8% and 16 percent of all bankruptcies filed are repeat figures. Even though no one wants to declare bankruptcy, it might appear that filing a second bankruptcy may happen all too frequently. How often can I File Bankruptcy? There are limitations to how frequently debt can be released by bankruptcy. Time is determined based on the filing date of your previous bankruptcy. Chapter 7 bankruptcy followed by another Chapter 7: Eight years. Chapter 13 bankruptcy followed by another Chapter 13: 2 years. Chapter 13 bankruptcy followed by a Chapter 7Six years, but sooner if you paid off your unsecured creditors in full, or at least 70% of the claims and your plan has been made in good faith. Chapter...

Dealing with Student Loans in Bankruptcy just got Easier Fast forward to August 1, 2019 (the real date of the Bankruptcy Court’s Program), and it appears as though that landscape has changed. Beginning on August 1st, the Bankruptcy Court is applying a process for a  Student Loan Modification Program  (SLM Program) (Administrative Order FLMB-2019-1).  For those who have no idea or who are unaware, the USA Bankruptcy Court for the Middle District of Florida (the “Bankruptcy Court”) has an efficacious history of applying programs of this kind.  The Bankruptcy Court’s (“MMM Program”) Mortgage Modification Mediation program was one of the first in the country.  The MMM Program has been adopted by many bankruptcy courts across the country. The SLM Program seems to utilize the most effective feature of the MMM Program, i.e. the parties are prerequisites to communicate by a portal system in good faith.  The portal System is used by the Bankruptcy Co...