Caroline Secor PA

Bankruptcy lawyer North Tampa

Chapter 7 and Chapter 13 are the provisions of the Bankruptcy Code used by individuals for financial relief.  In order to determine whether a person should file for bankruptcy relief and under which chapter can only be made after a review of their assets, amounts and type of debt, income, and expenses. Chapter 7  is used to wipe-out dischargeable debt.  Certain debt, such as some taxes and most student loans are not dischargeable.  Chapter 7 should only be filed if all of your property is exempt. In Florida, the exemptions includes a homestead, $1,000 of personal property, another $4,000 if you do not have a homestead, $1,000 equity in a vehicle, and most retirement plans. and retain all of their exempt property. Chapter 13 is used to reorganize your financial affairs while under the protection of the bankruptcy court. Mortgage Modification may be applied for as part of a Chapter 13 case.

Call us today for a free consultation at (727) 254-1704

Carolyn Secor


The federal government passed new bankruptcy reform legislation in October 2005. However, don't be discouraged! Most studies indicate that the new law affects less than 15% of individuals who could have filed previously. If you are feeling overwhelmed by your debts and considering filing bankruptcy, it is highly probable that you fall into the category of the 85 percent of people who are still eligible to file.




"Serving Pinellas, Pasco, and Hillsborough Counties."

Carolyn Secor, Attorney at Law
Bankruptcy Attorney Tampa Bay Florida
Florida Law Firm with Offices in
Clearwater (Main Office) Tampa St. Petersburg Port Richey
Phone:  1-727-254-1704

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

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