Question 1

What is the difference between Chapter 7 and Chapter 13 bankruptcy in Tampa?

Accepted Answer

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.

Question 2

How do I qualify for Chapter 7 bankruptcy in Florida?

Accepted Answer

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.

Question 3

Will I lose my house or car if I file bankruptcy?

Accepted Answer

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.

Question 4

Can bankruptcy stop creditor harassment and foreclosure?

Accepted Answer

Yes. Filing bankruptcy triggers an automatic stay that immediately stops collection calls, lawsuits, wage garnishments, and foreclosure proceedings.

Question 5

How long does bankruptcy stay on my credit report?

Accepted Answer

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.

Question 6

What debts are not discharged in bankruptcy?

Accepted Answer

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.

Question 7

How soon can I file bankruptcy again after a previous filing?

Accepted Answer

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.

Question 8

What assets can I keep in bankruptcy?

Accepted Answer

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.

Question 9

Should I see a doctor after a car accident or slip and fall even if I feel okay?

Accepted Answer

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.

Question 10

How much does it cost to hire a Tampa personal injury lawyer?

Accepted Answer

Nothing upfront. We work on a contingency fee basis — you pay only if we recover compensation for you. We also advance case costs.

Question 11

What compensation can I receive for a personal injury case?

Accepted Answer

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.

Question 12

Do I need an attorney for my injury claim?

Accepted Answer

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.

Question 13

How long do I have to file a personal injury lawsuit in Florida?

Accepted Answer

The statute of limitations is typically 2 years from the date of the accident. Acting quickly preserves evidence and witnesses.

Question 14

Why should I hire Gina Rosato Law Firm?

Accepted Answer

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.

Question 15

Do you offer free consultations?

Accepted Answer

Yes! Call (813) 463-8000 for a free phone consultation and case evaluation with no obligation.

Question 16

Which areas do you serve?

Accepted Answer

We serve all of Tampa Bay, including Tampa, Wesley Chapel, St. Petersburg, Hillsborough County, Pinellas County, and surrounding communities.

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