Tampa Bankruptcy Attorney & Personal Injury Lawyer
THE GINA ROSATO LAW FIRM, P.A.
Contact me today for a “Free Phone Consultation” (813) 463-8000.
The attorney you choose will affect the outcome of your case. When people seek the advice of an attorney, it’s most often because they are experiencing a traumatic event that is plaguing them financially and/or physically. When you hire an attorney, that relationship will usually last for months, if not years. For this reason, it is important to carefully select your attorney and make sure they are the right fit for you and your case. Hire someone who you trust will act in your best interests, zealously advocates your position, and has the experience to handle your legal matter with the utmost importance.
Attorneys practice law for different reasons. For me, it is a personal commitment to provide the highest level of service to every client. I limit the number of cases I accept because of that commitment. That means being accessible to clients, providing prompt responses to your questions, and meeting with you in person to discuss your case. I will go out of my way to ensure that you are represented with care and that you can always easily have your questions answered.
I have been practicing law for nearly 30 years. Prior to starting my law firm, I worked as in house counsel for multi-national corporations and statewide litigation firms. I have several years of experience in personal injury law due to this. Some of my areas of practice include personal injury and bankruptcy law. In addition to being licensed as an attorney in Florida, I am also licensed to practice law in federal court in the Middle District of Florida as a Bankruptcy Attorney.
Attorney Gina Rosato has helped hundreds of clients in Tampa Bay navigate difficult financial situations. Whether you’re overwhelmed by medical bills, job loss, or mounting debt, she provides clear guidance and aggressive representation.
“The attorney you choose will affect the outcome of your case. I limit my caseload so I can give every client the time, attention, and care they deserve.” — Gina Rosato
Watch: “How to Avoid Becoming House Poor” (Courtesy of ABC Action News)
Chapter 7
Chapter 13
Foreclosure
Personal Injury
WHAT OUR
CLIENTS ARE SAYING
Frequently Asked Questions (FAQ)
Bankruptcy Questions
What is the difference between Chapter 7 and Chapter 13 bankruptcy in Tampa?
Chapter 7 bankruptcy (liquidation) eliminates most unsecured debts like credit cards and medical bills for a fresh start, typically completing in 5–8 months. Chapter 13 bankruptcy (reorganization) allows you to keep your home and car while catching up on payments through a 3–5 year repayment plan. Attorney Gina Rosato helps determine which option fits your situation.
How do I qualify for Chapter 7 bankruptcy in Florida?
You must pass the Means Test, which compares your income to the Florida median. Exemptions protect many assets like your home, car, and personal belongings. Schedule a free consultation to review your eligibility.
Will I lose my house or car if I file bankruptcy?
Not necessarily. In Chapter 7, you can often keep exempt assets. In Chapter 13, you keep them while catching up on payments. We also offer foreclosure defense options like deed-in-lieu and second mortgage stripping.
Can bankruptcy stop creditor harassment and foreclosure?
Yes. Filing bankruptcy triggers an automatic stay that immediately stops collection calls, lawsuits, wage garnishments, and foreclosure proceedings.
How long does bankruptcy stay on my credit report?
A Chapter 7 bankruptcy stays for up to 10 years, and Chapter 13 for 7 years. Many clients begin rebuilding credit within months through responsible financial habits.
What debts are not discharged in bankruptcy?
Most unsecured debts are dischargeable, but child support, alimony, recent taxes, and student loans (in most cases) are not. We review your specific debts during your free consultation.
How soon can I file bankruptcy again after a previous filing?
You can file Chapter 7 every 8 years. Chapter 13 has different waiting periods (often 4 years after a Chapter 7 discharge). Gina Rosato reviews your history to maximize benefits.
What assets can I keep in bankruptcy?
Florida exemptions allow you to keep significant equity in your home, vehicle, household goods, retirement accounts, and more. We protect as many of your assets as possible.
Personal Injury Questions
Should I see a doctor after a car accident or slip and fall even if I feel okay?
Yes. Some injuries (especially soft tissue and traumatic brain injuries) may not show symptoms immediately. Prompt medical care protects your health and strengthens your claim.
How much does it cost to hire a Tampa personal injury lawyer?
Nothing upfront. We work on a contingency fee basis — you pay only if we recover compensation for you. We also advance case costs.
What compensation can I receive for a personal injury case?
You may recover medical bills, lost wages, future medical needs, pain and suffering, and property damage. Case value depends on injury severity, liability, and insurance coverage.
Do I need an attorney for my injury claim?
Insurance companies have teams of adjusters and attorneys working to minimize payouts. An experienced lawyer like Gina Rosato levels the playing field and maximizes your settlement.
How long do I have to file a personal injury lawsuit in Florida?
The statute of limitations is typically 2 years from the date of the accident. Acting quickly preserves evidence and witnesses.
General Questions
Why should I hire Gina Rosato Law Firm?
Our firm specializes in filing Chapter 7 and Chapter 13 personal bankruptcy cases. With almost 30 years of experience, Gina Rosato provides personalized attention, limits her caseload, and fights for the best outcome in bankruptcy and injury cases.
Do you offer free consultations?
Yes! Call (813) 463-8000 for a free phone consultation and case evaluation with no obligation.
Which areas do you serve?
We serve all of Tampa Bay, including Tampa, Wesley Chapel, St. Petersburg, Hillsborough County, Pinellas County, and surrounding communities.
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