Stop Collection Calls and Regain Financial Control

Bankruptcy law services in Pinellas Park that halt wage garnishments, stop foreclosures, and eliminate qualifying debts.

When creditors threaten foreclosure or garnish your paycheck in Pinellas Park, bankruptcy can stop those actions immediately through an automatic stay that pauses all collection efforts the moment your case is filed. Chapter 7 bankruptcy discharges most unsecured debts such as credit cards, medical bills, and personal loans, giving you a fresh start within months. SPB Law PA evaluates your income, assets, and debt types to determine which chapter fits your situation and prepares every form required by the bankruptcy court.

Filing bankruptcy in Pinellas Park requires completing credit counseling, gathering pay stubs and tax returns, listing every creditor and asset, and attending a meeting of creditors where a trustee reviews your petition under oath. SPB Law PA handles the paperwork, represents you at the creditor meeting, and responds to any objections the trustee or creditors raise. The firm also advises which assets you can protect using Florida exemptions, such as homestead protection for your primary residence and exemptions for retirement accounts, so you do not lose property unnecessarily during the bankruptcy process.

If creditors are calling daily or you face an imminent foreclosure sale in Pinellas Park, contact SPB Law PA to discuss how bankruptcy can stop those actions and give you time to rebuild.

Chapter 7 Filing Procedures

SPB Law PA begins every bankruptcy case with a detailed review of your income, expenses, debts, and assets to determine whether you qualify for Chapter 7. In Pinellas Park, the firm completes your credit counseling requirement, prepares your petition and schedules, and files electronically with the Middle District of Florida bankruptcy court. The automatic stay takes effect immediately, halting garnishments, foreclosure sales, and collection lawsuits.

Once your case is filed, you will see creditor calls stop, wage garnishments release from your paycheck, and foreclosure proceedings pause while the court processes your petition. In Chapter 7, most clients receive a discharge within four months, erasing eligible debts permanently. 

SPB Law PA represents you at the meeting of creditors, responds to trustee requests for additional documents, and files any amendments needed to correct errors or update asset values. If a creditor objects to your exemptions or challenges the discharge of a particular debt, the firm litigates those issues in bankruptcy court to protect your interests. The goal is a smooth filing that maximizes debt relief while preserving essential property.

Understanding Your Options Before You File

Bankruptcy can feel overwhelming if you are unfamiliar with the process, but most concerns have clear answers once you understand how each chapter works and what protections Florida law provides.

What debts can bankruptcy eliminate?
Chapter 7 discharges most credit card balances, medical bills, personal loans, and collection accounts. It does not eliminate child support, alimony, most student loans, or recent tax debts, though some tax obligations can be discharged if they meet specific age and filing requirements.
How does the automatic stay stop foreclosure?
The stay halts all collection actions, including foreclosure sales, the moment your bankruptcy petition is filed. Your lender cannot proceed with a sale unless they obtain court permission to lift the stay, giving you time to negotiate a loan modification or catch up on arrears through a Chapter 13 plan.
When will I have to go to court?
You attend a meeting of creditors approximately four to six weeks after filing, where a trustee asks questions about your petition under oath. Most meetings in Pinellas Park last less than ten minutes, and SPB Law PA accompanies you to address any issues that arise.
What property can I keep during bankruptcy?

Florida exemptions protect your homestead residence, up to one thousand dollars in personal property, retirement accounts, and certain wages. SPB Law PA reviews your assets to apply every available exemption and advises whether Chapter 7 offers better property protection based on your equity and income.

How long does bankruptcy stay on my credit report?

Chapter 7 remains on your report for ten years. Many clients begin rebuilding credit within months of discharge by using secured credit cards and making timely payments on any remaining secured debts such as car loans or mortgages.

Bankruptcy provides legal tools to stop harassment, eliminate debt, and protect your income and property under Florida exemptions. SPB Law PA files Chapter 7 cases in Pinellas Park, representing clients through every court requirement and creditor objection. Get in touch with SPB Law PA to schedule a consultation and review your debt relief options.