Florida Consumer Bankruptcy and Credit Counseling Law Firm
P.R. Smith Law Group P.A.
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908 Lithia Pinecrest Road Brandon, Florida 33511 USA |
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(813) 231-3328
www.bankruptcyhelp4u.com
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P.R. Smith Law Group, P.A. is one of the largest filers of bankruptcy cases in the state of Florida and has handled thousands of cases filed under chapter 7, 11 and 13 of the Bankruptcy Code. My name is Patrick R. Smith Esq., and I am the managing partner of PR Smith Law Group.
I'm a board certified bankruptcy attorney certified by the American Bankruptcy Board of Certification in consumer bankruptcy law and I remain an active member of the National Association of Consumer Bankruptcy Attorneys and the Florida Bar. My partners, Richard B. Feinberg Esq. and Charles T. Stohlman Esq. and I have more than 50 years combined legal experience in bankruptcy, credit counseling and foreclosure defense.
We utilize a unique co-counsel approach, which means that every case is reviewed and actively managed by at least two separate attorneys. This collective approach has resulted in not one client being denied a discharge. Few, if any other firms in the country have been able to achieve this kind of success.
At the PR Smith Law Group, we are committed to providing our clients with the highest quality of legal services at extremely reasonable prices. We will devote the personal attention required to insure that each client is treated with dignity and respect. We will provide you with a clear concise plan to eliminate your debt, re-establish your good credit and get a fresh start on your financial and personal life.
Practice Areas
Practice Areas Description
- BankruptcyBankruptcy may allow you to wipe out some of your debt, like credit cards, repos, medical bills, and even taxes, while allowing you to keep your exempt assets like your house, car, and personal household items. Plus, your credit may be re-established to a favorable rating in just two years or less. We have handled thousands of cases like yours and would like to help you start the process that may eliminate your debt problems and help rebuild your good credit.
- Chapter 7 Bankruptcy
Chapter 7 is by far the most popular and recommended type of bankruptcy. About 70 percent of all bankruptcies are filed under Chapter 7 of the Bankruptcy Code. Millions of Americans have found debt relief using this type of bankruptcy. Chapter 7 affords you the opportunity to eliminate your unsecured debt like credit cards, medical bills, repos, lease termination fees, and taxes, while allowing you to keep all of your exempt assets like your home, car and personal household items.
- Chapter 13 Bankruptcy
Chapter 13 is often recommended if you are facing foreclosure of your home, have many valuable assets that you want to protect or your income exceeds certain minimum requirements. If you have a regular income, Chapter 13 provides a method for repaying your debts over a period of time according to a court-approved plan. Chapter 13 allows you to stop foreclosures and wage garnishments, catch up on past due mortgage payments, eliminate a second mortgage or home equity line of credit (HELOC), restructure your car loan and pay off your other debts according to your ability to pay.
- Chapter 11 Business Bankruptcy
Upon filing a Chapter 11, all lawsuits and other collection activities against the company are stopped immediately. The company is now afforded an opportunity to re-evaluate its business plan without the added pressure and expense of defending lawsuits. During this period, the company may secure new financing, eliminate unprofitable operations and terminate unfavorable contracts. In the interim, the owners of the corporation remain in control while they endeavor to develop a plan to emerge from bankruptcy.
- Foreclosure Defense
Foreclosure can be devastating for any family. It is never easy to face the possibility of losing your home. It is common to feel overwhelmed when you have been notified about a foreclosure. If you are behind on your mortgage or have been served with a foreclosure complaint and you are faced with the prospect of losing your home, it is important to speak with an experienced lawyer as soon as possible to protect your rights. There are many things homeowners can do to protect themselves during a foreclosure. In general, you only have twenty days to respond to the foreclosure lawsuit. Since time is short, it is imperative that you take the initiative to immediately contact a qualified lawyer in order to maximize the protection afforded you under Florida law.
- Debt Relief / Home Buying Assistance Program
Bankruptcy has become so prevalent and accepted that there are many mortgage companies that specialize in providing home financing for individuals who are in or have recently completed a bankruptcy. Shortly after your bankruptcy is completed, you may qualify for a home mortgage with favorable rates if you can demonstrate a stable work history and positive credit reporting since the filing of your case. We can also show you how you can use the equity in your home to "buy out" of your current Chapter 13 consolidation plan.
- Credit Recovery
While a bankruptcy will remain on a credit report for many years, you can rebuild credit by staying current on monthly bills, making responsible financial choices and paying off balances in a timely fashion. People who experience difficulty obtaining credit after bankruptcy do so because they do not take the necessary steps to re-establish their credit. Your credit score will not improve on its own. You have to take the initiative to re-establish your credit. Although bankruptcy is reflected on your credit report, it is still possible to gain renewed confidence from creditors and re-establish your credit.
More Information on P.R. Smith Law Group P.A.
Chapter 7 Bankruptcy Attorneys in Tampa, FloridaTampa, Florida Chapter 13 Bankruptcy Lawyers
Tampa, FL Chapter 11 Bankruptcy Law Firm
Foreclosure Defense Attorneys in Tampa, FL
Tampa, Florida Debt Relief Lawyers
Credit Recovery Law Firm in Tampa, Florida
Tampa, FL Bankruptcy Alternatives Attorney
Home Buying Assistance Lawyers in Tampa, Florida
P.R. Smith Law Group P.A. Blog
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