Bankruptcy

Florida Bankruptcy Lawyers

Assisting Clients Throughout Southwest Florida Since 1998

Are you just starting to research bankruptcy? You probably have a lot of questions, like:

  • What is bankruptcy?
  • What’s the difference between Chapter 7 and Chapter 13?
  • How do you know if bankruptcy is the right move for you?
  • When is it time to start considering bankruptcy?
  • Should I hire an attorney and who should I hire?

These questions will lead you to other questions, and we will be happy to answer all of them for you. But, before we get started, let us take the edge off a little first. Let’s start with a joke; everyone, including us, likes a good lawyer joke:

As the lawyer awoke from surgery, he asked, "Why are all the blinds drawn?" The nurse answered, "There's a fire across the street, and we didn't want you to think you had died."

Ba-dum-dum. (We never claimed to be comedians!) Let’s get started.

What Is Bankruptcy?

We are glad you asked! First and foremost, let’s clear something up by talking about what bankruptcy is, and what it is not.

Bankruptcy is NOT a dirty word. Bankruptcy is NOT the end of your financial life—we would consider bankruptcy to be a speed bump in the road of life. Bankruptcy IS a financial planning tool that, when used properly, can lead a person to a brighter financial future. With the right Florida bankruptcy attorney and proper planning, bankruptcy can be your opportunity to start fresh.

We believe that when you are facing a job loss, divorce, overwhelming debt, or medical bills, you are still a human being who deserves to be treated with respect. You may be considering filing for bankruptcy protection. But, is it the right decision? Are you a good candidate for bankruptcy?

In the interim, your creditors are beginning to turn up the heat. We believe your creditors must treat you with dignity in all cases, even if you are being sued on a debt or your wages are being garnished. The law requires debt collectors to act professionally, and we take that very seriously.

Unfortunately, most people who are facing overwhelming debt believe they have no protections and that being treated horribly just comes with the territory. We’re here to tell you that nothing could be further from the truth; at The Dellutri Law Group, PA, we protect our clients’ rights to be treated with dignity and respect each and every day.

Your Debt Protection Options

There are protections out there, but you have to know when and how to assert them. Bankruptcy is an option. There are other options as well, but debt collectors are not going to tell you about your options. Debt collectors use this lack of information as leverage against people and exploit their vulnerabilities. If people don't know their rights are being violated, why would they contact an attorney?

At The Dellutri Law Group, PA, we will walk you through all of your options and provide you with the tools and resources you need to protect yourself.

You're probably thinking, “Sure, but who can afford to hire an attorney?” or, “If I had the money to pay for an attorney, I would use it to pay this debt.” While that may be your first instinct, once you speak with us in person, you’ll see that is not the real question you should be asking.

If you are ready to schedule a complimentary strategy session, call us at (800) 391-4337 or contact us online now. We also encourage you to download our eBook, What to Expect During Your Bankruptcy to learn more about the process and what it entails.

Determining If Bankruptcy Is Right for You

Would you be shocked to know that we tell people every day that bankruptcy would be a horrible decision for them? Imagine a bankruptcy attorney telling you not to file bankruptcy; you should see the look on people’s faces when we do. When people hear that their biggest fear should never happen, everything gets better for them. They can now take filing for bankruptcy off the table.

On the other hand, if bankruptcy is the right option for you, wouldn't it be great to have a game plan laid out in front of you, demonstrating which type of bankruptcy is best for your individual circumstances? Wouldn’t it be great to have an explanation of why that option is being presented to you? Wouldn’t it be great to have an experienced bankruptcy attorney explain it all to you in person?

What’s the Difference Between Chapter 7 & Chapter 13 Bankruptcy?

The short version is, Chapter 7 bankruptcy is known as a straight bankruptcy. It’s the most common type of bankruptcy and is generally the quickest. The theory is, when a person files for Chapter 7, their assets are either exempt (protected from the bankruptcy court and their creditors) or non-exempt (not protected and can be sold to pay creditors). In reality, this rarely happens.

Chapter 13 bankruptcy is a reorganization bankruptcy that is designed for people with a regular monthly income that can pay back a portion of their debts through a court-approved repayment plan.

Need more information on the differences? Visit our Chapter 7 and Chapter 13 pages to read the long version.

How Do You Know If Bankruptcy Is the Right Move for You?

We tell people all the time that bankruptcy is the beginning of a bright financial future, but we also send many of our consultations out into the world with the knowledge that they need to handle their issues on their own. Bankruptcy is NOT the right fit for everyone, and we love meeting with people who actually don’t need to hire us. They just need a little guidance. This is exactly why we stopped calling them “free consultations” and started calling them “complimentary strategy sessions.” Yes, we make a living helping people with bankruptcy, but our economy also thrives when our community does. At The Dellutri Law Group, PA, we will only agree to file bankruptcy for people if it is in their best interest.

To learn if bankruptcy is truly the right fit for you, contact us now to schedule a complimentary strategy session. We will be happy to discuss your situation with you in person and, if bankruptcy isn’t right for you, we will tell you what your best course of action would be.

Reach us online or by phone at (800) 391-4337.

When Is It Time to Start Considering Bankruptcy?

If you are like most people, when you borrow money or put something on your credit card, you have every intention of paying it back. Sometimes, life takes an unexpected turn. Maybe you recently divorced, lost your job, or were involved in an auto accident.

If you have found yourself struggling with debt, you are probably doing everything you can to avoid asking someone else for help. You may also be trying to avoid filing for bankruptcy because you have heard how your friend’s cousin’s uncle filed for bankruptcy in 1992 and it was a disaster. We get it, bankruptcy comes with a certain stigma, but the idea that bankruptcy is all doom and gloom couldn’t be further from the truth.

Here are possible signs that you should be considering bankruptcy:

  • Debt collectors call you—all the time
  • You are thinking about taking money out of your retirement fund
  • You are falling behind on your mortgage, vehicle, and other financial responsibilities
  • You are overloaded with credit card and/or medical debt

Does this sound like you? If you’re ready to hear from us whether bankruptcy is the right move for you, call us now. What do you have to lose?

Contact us at (800) 391-4337 to set up a complimentary strategy session with our Florida bankruptcy lawyers.

Who Should I Hire?

That is a fair question. Most law firms will say something like, “Hire the experienced bankruptcy attorneys in business since 1998” (don’t pretend like you didn’t read that like an annoying TV lawyer. We read it that way and we wrote it!). It’s true, we have helped tens of thousands of people file bankruptcy since 1998, but that’s not why we think you should hire us. We like to think we aren’t your typical law firm, and certainly not your typical lawyers. We are different.

What Is the Dellutri Difference?

At The Dellutri Law Group, PA, we understand that every bankruptcy, no matter how big or how small, is one of the most difficult things to come to terms with in a person’s life. With that being said, we also believe that any bankruptcy filed in the United States should be strategically planned by the debtor and his or her counsel. Otherwise, you may be putting your assets at risk. So, the first decision that a person must make is finding the right attorney for his or her bankruptcy case.

When you choose The Dellutri Law Group, PA to guide you through the bankruptcy process, we will:

  • Listen to your concerns
  • Strategically plan a way forward
  • Help to restore your financial reputation

When considering hiring an attorney, make sure you are asking these questions:

  • Do they offer strategic bankruptcy consultation at no cost to you?
  • Will they tell you if bankruptcy is not the right move for you?
  • If they do, will they just send you back out in the world with no guidance?
  • Do they have a good reputation in the legal world and in the community?
  • Better yet, do they have a good reputation amongst their own clients?
  • Do they offer free information on their website?

If you were able to answer “no” to any of these questions, that law firm is probably not the right place for you. If, however, you’re ready to talk to a law firm that can confidently answer “yes” to all those questions, contact us now!

All Attorneys Are Not the Same

Many attorneys offer a free initial consultation. But ask yourself: what really is a free consultation? What are you going to get out of the consultation? Why don’t they tell you what to expect? How do you know that you will receive maximum value? What is the real cost of a free consultation? Is the “free consultation” just a way to lure you in and give you a high-pressured sales pitch?

At The Dellutri Law Group, PA, we believe in providing time and resources to those individuals who are willing to spend some of their valuable time talking to us. If you’re willing to take the time to come and meet with us, we pledge to exceed your expectations, and we will do it all at no cost to you. We don’t even like the phrase “free consultation,” because it implies that you get the consultation and nothing else if you don’t hire that firm. We started calling ours a complimentary strategy session because if we can’t help you, we will help you strategize what your next move should be if bankruptcy is not the right fit.

Here is what you should expect, and will receive, from our complimentary strategy session:

  • You will receive a form to fill out telling us about your income, your expenses, your assets, and your debts. This will help us narrow down the issues you are facing so we can spend more time focusing on your individual problems.
  • You will spend 30 minutes with an attorney to discuss how your individual issues will be handled during a bankruptcy proceeding (longer strategy sessions can be arranged, but clients will be charged accordingly).
  • You will discuss the difference between a Chapter 7 and Chapter 13 bankruptcy proceeding.
  • If a bankruptcy is not in your future, you will be provided with an alternative game plan with other options for you to pursue.
  • If a bankruptcy proceeding is recommended for your case, you will discuss a detailed plan of action, explanations of the defenses and strategies that will be implemented on your behalf, how the court will likely respond to your individual circumstances, and an expected date of completion.
  • At the end of your strategic bankruptcy session, we will follow up with you, in writing, with a plan of action for your case.
  • You will leave the strategic bankruptcy session with clarity, peace of mind, and a game plan going forward.

Why would we make such an offer? Because, at The Dellutri Law Group, PA, we are tired of seeing good, honest, hard-working people lose assets that they didn’t need to lose because they either had bad information or they hired the wrong attorneys. We find it shocking that murderers and rapists get free attorneys to protect their legal rights, but a hard-working American, who may have fallen on hard times has to face a lawsuit alone. We could go on and on about the horrors we have seen in the debt collection industry and the tactics used by some debt collectors to prey on their fears. We could also go on and on about our success stories, but you can read them here.

If you are facing overwhelming credit card debt, student loans, a debt collector lawsuit, a foreclosure lawsuit, garnishment, repossession, or have a culmination of all of these issues, what do you have to lose by coming and seeing us?

Contact us today to get started and see what The Dellutri Law Group, PA can do for you!

The Dellutri Difference

  • A Healthy Firm Culture

    When our employees are happy to come to work, we know that they are capable of overcoming any challenge on behalf of our clients.

  • Service Tailored to Your Needs

    We sincerely care about each and every one of our clients and refuse to treat them like a case file to be passed from person to person.

  • Communication You Can Count On

    We believe that our clients deserve clear and consistent communication every step of the way, without any unnecessary "legalese."

  • A Culture of Philanthropy

    In order to give back to our community, each employee at our firm is granted the opportunity to sponsor a charitable cause of their choosing.

  • Experience & Passion on Your Side

    Our dedicated team of lawyers, paralegals, assistants, & staff have been fighting on behalf of our clients since 1998.

Get a Complimentary Strategy Session

Our firm is singularly focused on our clients and will stop at nothing to fight for the future that they deserve. Let us fight for your future next.

Meet Your Attorneys

Committed to Making Our Community a Better Place
  • Carmen  Dellutri Photo
    Carmen Dellutri

    Attorney

    If you know Carmen Dellutri, you know he is passionate about a lot of things. He gives back often- to his community, his employees, and his loved ones. Carmen has mentioned time and time again that the reason he became an Attorney, and specifically a Personal Injury and Bankruptcy Attorney, is because he loves to help others.
  • Amanda  Downing Photo
    Amanda Downing

    Attorney

    Amanda Downing doesn’t mince words and says what she means when it comes to the opposing side. She has the biggest heart and will fight tooth and nail to bring justice for her clients. “I hate having to go to bat for those victims, because they never should have been put in that situation to begin with. It’s just completely unfair.”
  • David  Lampley Photo
    David Lampley

    Attorney

    David Lampley is a father of four. He knows that becoming a father has strengthened his professional life. He has greater compassion for parents who have to move life around to accommodate their children. “I wish other attorneys would remember that people who come to them looking for advice are parents too, just trying to do what is best for their families.”

  • David W. Fineman Photo
    David W. Fineman

    Attorney

    Before David W. Fineman became an attorney, he was a deputy for CCSO and PGPD. David’s lifelong devotion to helping others, mixed with his empathy for people going through hard situations, is what makes him a fantastic attorney. Being a man of his word is something David stands by and you can always count on him to get the job done and get it done right!
  • Joe  LoTempio Photo
    Joe LoTempio

    Attorney

    Joe LoTempio is referred to as the office superhero to many of our clients who need defending against evil creditors in our consumer protection department. Joe has always had a passion for standing up for those who need a voice, protection, and justice after being taken advantage of, so it’s no shock as to why he decided to go into consumer law.
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