Raised on the west coast of Florida (Dunedin/Clearwater). I attended and graduated local schools with the exception of Law School. I officially retired from the full time practice of law in 2020 and now primarily limit my law practice to Wills & Estate Planning. I am a former Banker and Chapter 7 Bankruptcy Panel Trustee with over 40 years experience as a licensed attorney.
Chapter 7 is designed to be completed in about 5 months and the goal is to just liquidate your non-exempt assets and pay the creditors with those proceeds. My fee for a Chapter 7 case is a flat fee of $875.00. A Chapter 13 is for a consumer who has too many assets and/or income and requires a structured repayment plan to the creditors.
I will email you a 7 page info packet describing in detail information on Chapter 7 versus Chapter 13 cases. Also included is a checklist of the documents you will need to gather in order to file (tax returns, pay stubs, bills etc.). Make sure you provide me with a good email address. I will be glad to send you a copy of my Resume' as well as additional information sheets about Chapters 7 and 13. It is free and there is no obligation.