Bankruptcy & Foreclosure Defense Attorneys
Serving Brandon, Riverview, and all of Hillsborough County, Florida
"A customer is the most important visitor on our premises. He is not dependent on us. We are dependent on him. He is not an interruption of our work. He is the purpose of it. He is not an outsider to our business. He is part of it. We are not doing him a favor by serving him. He is doing us a favor by giving us the opportunity to do so."
-Gandhi
We practice bankruptcy law in the Middle District of Florida, Tampa Division. This includes the counties of Hillsborough, Pinellas, Manatee, Sarasota, Hardee, Hernando, Polk and Pasco. Our practice includes attorney representation of consumer and business bankruptcy, and foreclosure defense through Chapter 13 bankruptcy, as debt and foreclosure issues often arise in divorce and family law situations. As property is divided in divorce, and one household is divided into two, divorce sometimes has the unexpected consequence of serious financial issues leading to bankruptcy and/or foreclosure. We provide experienced Chapter 7, Chapter 11, Chapter 12 and Chapter 13 bankruptcy legal services, as well as foreclosure defense. Even if you are not going through a divorce, if your debt is unmanageable or you are threatened by home foreclosure, contact our firm for an initial no-charge discussion of your case. You can find debt relief through bankruptcy.
We will help you with your bankruptcy case even if you are not close to our office. This can be accomplished entirely online via the internet, mail and telephone. All bankruptcy clients regardless of their location within the Middle District of Florida's Tampa Division, will have to attend one Meeting of Creditors in downtown Tampa across from the Federal Courthouse. The Meeting of Creditors is held approximately 35 days from the date of filing your petition.
You can find debt relief through bankruptcy. Furthermore, bankruptcy has an added benefit of no tax consequences on your discharged debt. Going through a debt consolidation or payment program will often result in tax consequences if the amount you owe is reduced. The IRS considers this to be income and the amount of the reduction will be added to your gross taxable income.
Chapter 7 Bankruptcy:
As economic uncertainty and debt becomes overwhelming and unmanageable, discharge in consumer bankruptcy can provide needed debt relief for individuals, families and businesses. In addition to discharging debt, filing a petition for bankruptcy puts an end to harassing creditor calls. Furthermore, it can actually help your credit score upon discharge; whereas not filing for bankruptcy just maintains the status quo. At Lynette Silon-Laguna, P.A., in Brandon/Riverview, Florida, we offer effective, responsive and experienced Chapter 7 bankruptcy services. If you have a business, you may want to liquidate it and your business debts can be discharged in a Chapter 7 bankruptcy. If you want to retain your business and reorganize the business debts and obtain a plan payment, you will have to file for a Chapter 11 bankruptcy. If you are agricultural, you may be eligible to file a Chapter 12 bankruptcy.
Chapter 13 Bankruptcy:
Chapter 13 personal bankruptcy protection offers legal and financial advantages to people in need of debt relief, who cannot qualify for a Chapter 7 bankruptcy or who have other reasons for pursuing it, such as their home is in foreclosure and they want to keep it. Chapter 13 terminates foreclosure at any point up through the time of the actual foreclosure sale. It allows individuals and families facing serious cash flow issues to reorganize debt under the supervision of a bankruptcy trustee. Most property is retained and in three to five years, the debtor emerges from bankruptcy with significantly reduced debt. It may even be possible to remove a second mortgage on either homestead or investment property in a Chapter 13, which is a great benefit. Most debt can be eliminated in chapter 13 bankruptcy; however, some debt, including taxes, spousal support payments, child support payments and student loans, cannot normally be eliminated; however, there are certain exceptions to this.
Contact Us
If you have questions regarding divorce, family law, adoption or bankruptcy, as well as foreclosure defense, contact the law firm of Lynette Silon-Laguna, P.A. We provide a free initial consultation, accept MasterCard, Visa, Discover and American Express, and charge reasonable and competitive rates. Furthermore, to assist you we have a team of legal assistants and associate attorneys, including a Spanish-speaking associate attorney.
Our main office is conveniently located in the Riverview/Brandon area on Highway 301 South directly off of Interstate 75, near the intersection of Bloomingdale Avenue. Contact our firm by e-mail or call 813.672.1900. We will respond at our earliest opportunity!
We serve all of Hillsborough County, including Riverview, Brandon, Gibsonton, Apollo Beach, Valrico, Thonotosassa, Sun City Center, Mango, Plant City, Ruskin, and Wimauma, Florida as well as MacDill Air Force Base.
