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When should I file bankruptcy?

Transcription:
00:03 hi my name is Robert Geller and I am
00:06 with the loss of Robert M Geller PA we
00:09 are a consumer bankruptcy law firm and
00:12 today I want to talk to you about the
00:16 when I should file bankruptcy and timing
00:19 in bankruptcy filing bankruptcy is
00:23 really pretty much everything let’s talk
00:25 about that you don’t want to wait too
00:28 long to file bankruptcy meaning you
00:31 don’t want to wait until you’ve depleted
00:33 your retirement or you’ve spent every
00:38 penny you have in your savings
00:40 unfortunately I’ve seen too many clients
00:42 come in my office that I could have
00:45 helped years and years before that and
00:47 they have you know depleted all their
00:50 retirement so it in a lot of cases it’s
00:54 better that they come in the office as
00:56 soon as possible for a consultation
00:58 couple of the things about timing for
01:00 bankruptcy there are eligibility for
01:03 bankruptcy with regard to your income so
01:08 you just lost your job you’ve been out
01:10 of work for a few months
01:12 you’re now three or four months out of
01:14 work and you’re wondering what you
01:17 should do and now you’re just start
01:19 living off your savings and you living
01:22 off your savings and you’re living off
01:23 your savings and finally you get to a
01:27 point where you get a job offer and the
01:31 job offer pays you a decent salary but
01:36 you know it’s not going to take you a
01:38 long long time to pay off your debt that
01:40 may be the wrong time to come into the
01:43 office to file bankruptcy because with a
01:46 regard to a chapter 7 you may not be
01:48 eligible because now you’re making too
01:51 much income and you’ve just depleted all
01:54 of your assets so you may be required to
01:56 file a chapter 13 only because you
01:59 waited way too long and you’ve depleted
02:01 all your savings so sometimes it’s
02:04 better to file bankruptcy are all arity
02:07 now on the other hand sometimes it’s
02:10 better to wait to file bankruptcy
02:12 let’s just say that you’re expecting
02:16 that you’re going to be working for a
02:19 few years and then you’re gonna go into
02:21 retirement and your retirement income
02:23 may be much less and unfortunately you
02:26 see a bunch of medical bills coming down
02:28 the horizon well then you may want to
02:31 consider waiting the file but obviously
02:34 you can come in for a free consultation
02:36 and we can kind of give you the advice
02:38 as to what would be best as far as your
02:42 timing is concerned timing is also
02:44 really important if you’re trying to
02:45 avoid a foreclosure I’ve seen
02:47 unfortunately people wait too long to
02:50 file a bankruptcy and they’ve come in my
02:53 office
02:54 after a foreclosure sale and they wanted
02:56 to save their home and it’s way too late
02:58 because once a foreclosure sale occurs
03:01 pretty much it’s impossible to reverse
03:04 the foreclosure the bankruptcy would
03:06 have to be filed before before the
03:10 foreclosure happens so or for example
03:14 you’ve had your property taking that’s
03:16 certainly long
03:18 that’s certainly waiting too long so
03:21 please consider the timing don’t wait
03:24 too long to file bankruptcy always come
03:27 in and get your free consultation for
03:30 more information about bankruptcy you’re
03:32 welcome to click on the link on this
03:34 screen and we’ll be able to give you
03:37 free information again my name is Robert
03:40 Geller and I want to help you build a
03:42 bridge to a brighter future

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$Law Offices of Robert M. Geller, P.A.
807 West Azeele Street
Tampa, FL 33606
T: (813) 254-5696
T: (800) 853-7549
F: (813) 253-3405
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$Law Offices of Robert M. Geller, P.A.
125 5th Street South
(Wells Fargo Financial Center)
2nd Floor, Suite G

St. Petersburg, FL 33701
T: 727-532-3939
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Pasco Office

23526 State Road 54
Lutz, FL 33559
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At the Tampa Bay law firm, the Law Offices of Robert M. Geller, P.A., we help people with consumer bankruptcy matters in the Tampa Bay-St. Petersburg,  Florida communities such as Clearwater,     St. Petersburg, Tampa, Thonotosassa, Riverview, Lutz, Plant City, Brandon, Carrollwood, Wesley Chapel, St. Petersburg Beach, Lakeland, Mulberry, Dade City, Pinellas Park, Largo, Seminole, Odessa, Oldsmar and Lithia, and counties such as Hillsborough County, Pinellas County, Pasco County, Polk County and Manatee County.