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.

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.

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.

Types of Debt | Gina Rosato Law Firm Tampa Florida

Click one of the categories below to learn more about bankruptcy and the type of debt.

Judgments
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Student Loan Debt
IRS Debt
Medical Debt
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Contact me today for a consultation at: 813-463-8000.

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