Bankruptcy Attorney in Dade City, FL

The Law Offices of Robert M. Geller, P.A., helps residents of Dade City, Florida, who are dealing with serious debt problems. Our firm has been practicing bankruptcy law in Florida since 1991. If you are considering bankruptcy or are not sure whether it is right for your situation, we can help you understand your options.

We offer a free initial consultation by phone or virtually. In most cases, we can tell you how we can help after that first conversation.

Serving Dade City and Pasco County

Our firm works with individuals and families throughout the Tampa Bay region, including Dade City and the surrounding areas of Pasco County. Many of the clients we work with have been dealing with job loss, medical expenses, reduced income, or other circumstances that made it difficult to keep up with their debts. Bankruptcy may not be the right option for everyone, but for many people it provides a legal way to address debt that has become unmanageable.

If creditors are calling, wages are being garnished, or you are facing foreclosure, speaking with a bankruptcy lawyer can help you understand what protections may be available to you.

Chapter 7 Bankruptcy

Chapter 7 is one of the most common forms of consumer bankruptcy. It allows eligible individuals to discharge most unsecured debts, including credit card balances, medical bills, and personal loans, without repayment.

When a bankruptcy petition is filed, an automatic stay goes into effect. This requires creditors to stop collection activity, including phone calls, garnishments, and most foreclosure actions, while the case is pending.

To qualify for Chapter 7, individuals must pass a means test based on their income compared to the Florida median. Our attorneys help Dade City clients complete this process and determine whether Chapter 7 is available to them.

A typical Chapter 7 case proceeds as follows. After the petition is filed, the client attends a brief meeting with the bankruptcy trustee, called a 341 hearing, approximately 30 days later. An attorney from our firm will attend that meeting with you. Most Chapter 7 cases reach discharge within approximately 120 days of filing.

Florida’s bankruptcy exemptions allow many clients to protect their home, vehicle, and other property. Our attorneys work to make sure clients use all available exemptions under the law.

Chapter 13 Bankruptcy

Chapter 13 allows individuals with regular income to reorganize their debts into a repayment plan lasting three to five years. Rather than discharging debts outright, Chapter 13 establishes a court-approved plan based on what a person can reasonably afford to pay.

This option is often considered by Dade City residents who are behind on a mortgage and want to avoid foreclosure, or by those who do not qualify for Chapter 7 based on their income. It can also allow individuals to address certain debts, such as tax obligations or car loans, on more manageable terms.

Our attorneys review each client’s financial situation to determine whether Chapter 7 or Chapter 13 is the more appropriate option given their income, assets, and goals.

Working With Our Firm

Attorney Robert M. Geller is a Certified Specialist in Consumer Bankruptcy Law by the American Board of Certification. This certification requires peer recommendations, additional legal education, at least five years of practice, and passing a comprehensive two-day examination. Our firm focuses primarily on bankruptcy and consumer debt matters.

Since 1991, our attorneys have helped thousands of Florida residents file for bankruptcy protection and address a wide range of debt-related issues. We are available for evening and weekend appointments when needed, and we are able to file cases in less than 24 hours in urgent situations.

Our fees are reasonable and communicated clearly before you make any decisions. We believe legal help should be accessible to people who are already dealing with financial hardship.

We work with clients throughout the bankruptcy process. You will meet with an attorney at each stage of your case, not just at the beginning.

Other Debt-Related Legal Services

In addition to Chapter 7 and Chapter 13 bankruptcy, our firm assists clients with related legal matters, including:

• Stopping wage garnishments.
• Addressing creditor harassment under the Fair Debt Collection Practices Act.
• Mortgage modifications and foreclosure-related concerns.
• Short sales and second mortgage issues.
• Student loan questions in connection with bankruptcy.

If you are not sure whether bankruptcy is the right path, we can discuss the full range of options available to you during the consultation.

Contact Our Office

If you live in Dade City or the surrounding Pasco County area and are dealing with debt problems, our office can help you understand whether bankruptcy is an option worth pursuing. We offer a free phone or virtual consultation, and we are available at times that work for your schedule.

Call us at 813.536.4468 or schedule your consultation online to speak with a bankruptcy attorney serving Dade City, FL.

Frequently Asked Questions