The Stephenson Law Firm, P.A.

6406 Congress Street
Suite A
New Port Richey, FL 34653



The Stephenson Law Firm, P.A.


Chapter 7 Bankruptcy or Chapter 13

Bankruptcy can help

Are your creditors harassing you?                                  Have you afraid to answer your telephone?
Has a lawsuit been filed against you?                              Are your wages being garnished?
Has one of your creditors frozen your bank account?

Bankruptcy may be a solution, call us today to schedule an appointment
We can help you file Chapter 7 Bankruptcy and Chapter 13 Bankruptcy

CHAPTER 7 BANKRUPTCY- In a Chapter 7 bankruptcy you wipe out most of your unsecured debts and get a "Fresh Start". Certain debts cannot be discharged in a Chapter 7 bankruptcy.

- Under a chapter 13 bankruptcy, a debtor proposes a 3-5 year repayment plan to the creditors offering to pay off all or part of the debts from the debtor's future disposable income. You can use Chapter 13 to prevent a house foreclosure; make up missed car or mortgage payments; pay back taxes; stop penalties  from accruing on your tax debt; keep valuable non-exempt property (see

Florida exemptions

); and more. To file Chapter 13 bankruptcy you must have a "regular source of income" and have some monthly disposable income to apply towards your Chapter 13 payment plan. 

Keep in mind that all the information provided may vary depending on your situation.  Contact us to schedule an appointment so that we may provide you with a more detailed analysis of your financial situation and if bankruptcy is the best course for you to follow.
We may be able to help you stop Garnishments, Foreclosures,  Collection lawsuits, Repossessions, and get your Driver's license back. 


(813)929-8899                             (727)815-8888

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