Chapter 7

Chapter 7 Bankruptcy Lawyers in Florida

Learn Whether Chapter 7 Is Right for You

Are you sick of the harassing phone calls and letters from your creditors? Chapter 7 bankruptcy is a way to stop those calls and documents in their tracks. Chapter 7 bankruptcy is made to give you a fresh start—a second chance at redeeming your financial freedom. During a Chapter 7 bankruptcy you don’t have to worry about paying off you unsecured creditors; however, it is important to remember that if you want to keep your property, such as your house or your car, you want to remain current on all of your monthly payments.

Did you know, filing for Chapter 7 bankruptcy:

  • Will stop almost all lawsuits in their tracks
  • Will stop your wages from being garnished
  • Will stop creditor harassment
  • May wipe out all of your unsecured debts (medical bills, credit card debt, personal loans, old tax debt, old utility bills, and even repossessions)

At The Dellutri Law Group, PA, we believe our clients deserve a second chance when life throws them financial curve balls. That is why, in some cases, we help our clients file for Chapter 7 bankruptcy.

Have your finances spun out of control? Have you found yourself drowning in credit card bills? Or, maybe your medical bills are weighing heavily on your mind? Chapter 7 bankruptcy protection is made for individuals who may be answering yes to these questions. Does this sound like you? If so, Chapter 7 bankruptcy might be the best option for you.

If you have questions for our Florida Chapter 7 bankruptcy attorneys or would like to set up a complimentary strategy session, give us a call at (800) 391-4337 today.

What Is Chapter 7 Bankruptcy?

Chapter 7 bankruptcy is the most common type of bankruptcy. It is also usually the quickest. The average length of a Chapter 7 case is approximately four to five months from the time the case is filed until the time a discharge is issued. Yes, you read that correctly; four to five months is all it usually takes. However, note that this may vary depending on the state or county you live in.

To file a Chapter 7 bankruptcy, you must pass something called “the means test.” The means test determines whether you are eligible for a Chapter 7. If you don't pass the means test, you can still file for Chapter 13 bankruptcy. Your fresh start begins here.

To learn more, download our eBook, What Are The Benefits Of Filing For Bankruptcy?

“I came into the Dellutri Law Group after reading the reviews. My situation wasn't unique but it was a far stretch if I could qualify for Chapter 7. I met with Mr. David Lampley and we were able to get all my paperwork in within a week and were able to get into filing Chapter 7. I was nervous but the staff were more than accommodating and treat you like family. They tell you how it is and don't lie just to gain you as a client. I felt comfortable with everyone I interacted with. David, Lauren, Maria, Ronnie & Carmen were all great to interact with, very knowledgeable and professional. They are on top of their game and prepare you for your mandatory creditor meeting, which goes off without a hitch! I have nothing but positive and great things to say and would highly recommend the Dellutri Law Group for your bankruptcy and other needs!”
-M.L.

Read more of our success stories by clicking here!

Hiring The Dellutri Law Group, PA for a Chapter 7 Bankruptcy

Have questions about how The Dellutri Law Group, PA will handle your Chapter 7 case? Good! We love being asked that!

At the Dellutri Law Group, we believe your road to financial freedom should be an easy one, which is why our entire staff in the bankruptcy department is dedicated to walking you through the entire Chapter 7 bankruptcy process.

Meet your bankruptcy team here!

When you hire The Dellutri Law Group, PA to handle your Chapter 7 bankruptcy, we work hard to ensure the process is as seamless as possible. We aren’t going to lie to you, the paperwork that comes with filing can be a little overwhelming; however, our pre-filing department will explain the process of collecting information and documents to relieve as much stress as possible.

Typically, the Chapter 7 filing process goes as follows:

  • During the pre-filing phase of the Chapter 7 bankruptcy process, your information is being reviewed and verified in our office. It’s not unusual to receive a phone call (or two) from our bankruptcy department confirming documentation and setting you up with an appointment to come in for your “signing appointment.” Your signing appointment is an opportunity for us to go over your bankruptcy petition, schedules, and other documentation, as well as answer any last-minute questions before your case is electronically filed with the bankruptcy court.
  • After your signing appointment, you will be contacted by our post-filing department. The post-filing department guides you through the rest of your Chapter 7 bankruptcy case. The post-filing department will also notify you of something called a 341 hearing, or the “meeting of creditors.” The meeting of creditors is usually scheduled four to six weeks after your case is filed with our office. Our office will give you notice of your 341 hearing in advance. On the day of your hearing, one of our Florida Chapter 7 bankruptcy attorneys will be there to represent you in front of the bankruptcy trustee. During this hearing, the trustee will be verifying that all of the documentation you have submitted is true and correct and may have a few other questions in between. The good news: most of the time, this meeting only lasts approximately five minutes!

After your 341 meeting, you are on the road to your case being discharged. You can expect your case to be discharged four to five months after the date of your filing. What’s next? You guessed it... rebuilding your credit!

Learn more when you download our eBook, What to Expect During Your Bankruptcy.

What Does This Mean for My Credit?

It’s fair to believe that filing for bankruptcy will ruin your credit but the truth is you can start rebuilding your credit from the moment your Chapter 7 bankruptcy case is discharged.

After filing for bankruptcy, it's important that you review your credit report to see if there are any errors. It's no secret that bankruptcy will have a negative effect on your credit report, but it's important to make sure there are no additional errors that could make things worse. Additionally, after your case is discharged don't be afraid to get a secured credit card. A secured credit card is more like a debit card as opposed to a regular credit card. With a secured credit card, you'll deposit money into an account, and the amount that you deposit will be your credit limit. By charging small amounts each month and paying as you go, you can gradually work to rebuild your credit.

Some debts, such as student loans, are not dischargeable in bankruptcy. If some of your debts weren't discharged, it's important that you stay current on your bills. Paying bills on time will reflect favorably on your credit report and help you avoid late fees.

If you are thinking about the Chapter 7 process and have an overwhelming amount of credit card debt, medical bills, a debt collector lawsuit, garnishment, repossession, or have a culmination of all of these issues, then we have just one question: What do you have to lose by coming and seeing us?

Contact us online or call (800) 391-4337 to learn how The Dellutri Law Group, PA can help you.

“Looking back, I cannot imagine trying to find my way through the Chapter 7 maze without the experienced staff at the Dellutri Law Group. During my initial and free consultation, I was told that I didn't really need to file for bankruptcy if I could handle the creditor calls. But, since I had always paid my bills on time, I felt uncomfortable just ignoring creditors. The total I paid for filing fees and legal fees to Dellutri was less than two months of my credit card payments. As soon as I filed for bankruptcy, all calls from creditors stopped. Dellutri staffers told me exactly which documents they required and which the Trustee would need. I had to complete two on-line financial planning courses, which were helpful. Each step was methodical and prepared me for the 341 meeting with Mr. Dellutri and the Trustee. No creditors attended and I just received notice that the Trustee has completed his work. Some people believe there is a stigma attached to filing for bankruptcy. Although that may have been true in the past, it isn't now. My only income is Social Security and, try as I might, I could never have made more than the minimum payments on my credit cards. Filing Chapter 7 has given me a new found freedom, lessened my anxiety, and allows me to live within my income. What a gift. No one at the Dellutri Law Group ever made me feel guilty or was anything but professional and helpful. In the future, any creditors who contact me to attempt to collect on their debt discharged by my bankruptcy, will be sued by Dellutri. I highly recommend this law firm if you are considering Chapter 7 or 13 bankruptcy.”
- A.W. (Google- September 25, 2018)

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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