Can all my debt be discharged or erased in bankruptcy?
Generally speaking, if you file bankruptcy, your debt will be discharged. However, there are exceptions. We will be glad to discuss the specifics of your situation during a free consultation. In the meantime, here are some examples of debts not generally dischargeable in bankruptcy:
- Taxes (in some cases tax debt may still be dischargeable.)
- Child or spousal support payment obligations
- Debt incurred as a result of DUI
- Student Loans
- Condo and Homeowners Association dues
- Debts incurred by way of fraud and malicious injury
- Debts incurred by way of criminal activity
How much does it cost to file bankruptcy?
The expenses incurred in filing bankruptcy with Stopa Law Firm include the cost to file the bankruptcy petition, the cost to pull your credit report, and a fee for our legal representation. The filing fee and the credit report fee are fixed costs that must be paid even if you were to file a bankruptcy without a lawyer (which, as discussed below, is not recommended).
Currently, in Florida, the cost to file a Chapter 7 petition is $299.00, while the cost to file a Chapter 13 petition is $274.00. The cost to obtain your credit report (which must be pulled because it contains information that is important to the handling of your case) is approximately $40.00.
As for our firm’s fees, Stopa Law Firm represents hundreds of Floridians in difficult financial circumstances. We realize you’re struggling financially, and we pride ourselves on treating you fairly. In fact, we believe this is one big reason why we have so many clients. During our initial consultation with you, we will be happy to discuss the specific fees you will incur if we represent you in bankruptcy court, as our fees may vary depending on the type of bankruptcy you file and your unique circumstances.