Caroline Secor PA

Debt Counseling Palm Harbor

As an attorney, we are in a good position to provide debt counseling. Because bankruptcy law is all we do, we are able to provide unmatched personalized bankruptcy services that focus on you and managing the personal or professional debts you are unable to pay. Contrary to what many people think, bankruptcy laws are in place to allow people and businesses to get a fresh start with their financial future by relieving most debts; or repay the money owed to creditors in a schedule that suits your financial situation and current income.

If you are in debt nobody better then you know if you are unable to meet your financial responsibilities. Do not lie to yourself or fail to acknowledge the seriousness and the ramification your financial responsibilities carry. Your creditors have a staff of lawyers waiting to garnish your wages, repossess your car, your home furniture, and begin or continue with foreclosure proceedings against your home.

What are your options on the bankruptcy law? While many are familiar with the Chapter 7, Chapter 11 and Chapter 13 bankruptcies there are quite a few options available to those that are unable to meet their financial responsibilities.

Chapter 7 bankruptcy: Under Chapter 7 bankruptcy individuals who qualify under the bankruptcy means test are able to have their debt forgiven and erased. Despite recent changes to the law, the Chapter 7 bankruptcy can be an effective debt relief procedures capable of giving individuals and small businesses unable to meet their financial responsibilities a fresh start.

Chapter 11/13 bankruptcy: Chapter 11 and Chapter 13 are legal proceedings under the federal bankruptcy law that allowing individuals and small businesses the opportunity to modify, renegotiate and or partially forgive certain types of unsecured debt including owed to the IRS. Chapter 11 pertains primarily to businesses, corporations and LLC's wild Chapter 13 deals exclusively with individuals.

The fact is the bankruptcies come in all shapes and sizes and only an experience bankruptcy attorney can guide you in the selection of the best option for your particular case.

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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