Bankruptcy Information





BANKRUPTCY MAY ENABLE YOU TO Save your home and assets Eliminate credit card debt Stop creditor calls and harassment Permanently erase old I R S Debt IT IS Your right under the Constitution Quick and final with no embarrassment or shame Your employer family and friends need not know IMPORTANT You should know that most of what you have heard about Bankruptcy is wrong Bankruptcy is not the same in every state Florida is more liberal than any other state You can keep more property in Florida than in any other state because Florida has opted out of the Federal scheme when it comes to exemptions Web sites that talk of Federal Bankruptcy law as if all states are the same are wrong Furthermore the Bankruptcy code has been revised several times in the last few years The old rumors of how long your credit will be damaged and how long it takes before you can establish credit are no longer true There is no shame stigma or embarrassment in Bankruptcy anymore That went out years ago In fact the Bankruptcy Court has declared that it is a perfectly good reason to go bankrupt for any valid business reason This

          l            l           l       l     l         l      WAGE GARNISHMENT EXEMPTION   MAXIMUM INTEREST RATE   Legal   Judgment or or contract rate STATUTE OF LIMITATIONS ON ENFORCEMENT           Open Account   years          Written Contract   years          Domestic Judgment years           Foreign Judgment   years BAD CHECK LAW DAMAGES   Amount owed plus treble damages bank fees reasonable attorney's fees and court costs BANKRUPTCY PROPERTY EXEMPTIONS Cannot claim but can claim The State of Florida exempts the property below from liquidation by the bankruptcy court to pay creditors Real Estate   Real property including mobile home used as residence unlimited value property cannot exceed acre in municipality or contiguous acres elsewhere; must file homestead exemption New bankruptcy law may limit real estate exemptionPersonal property   Health aids unlimited amount and an automobile up to Insurance Annuities   Annuity contract proceeds unlimited amount ; death benefits payable to a specific beneficiary not the deceased's estate unlimited amount ; disability or illness benefits unlimited amount ; fraternal society benefits unlimited amount ; cash surrender value of life insurance unlimited amount Pensions Retirement Plans   County

          Bankruptcy Information FAQ's Chapter & Information View our PowerPoint presentation on This page will provide the person thinking about filing bankruptcy the bankruptcy information he or she needs to make an informed decision After reading the following FAQ information you will have a good understanding of what the law allows when you meet with your Bankruptcy Lawyer or Attorney If your questions are still not answered after reading the following information we have an feature so you can ask a bankruptcy lawyer or attorney in your area a question For Chapter Bankruptcy profiles and to hear a Bankruptcy Trustee's views on filing bankruptcy for Chapter and Chapter WHAT IS CHAPTER BANKRUPTCY? Chapter bankruptcy sometimes call a straight bankruptcy is a liquidation proceeding The debtor turns over all non exempt property to the bankruptcy trustee who then converts it to cash for distribution to the creditors The debtor receives a discharge of all dischargeable debts usually within four months In the vast majority of cases the debtor has no assets that he would lose so Chapter will give that person a relatively quick fresh start One of the main purposes of Bankruptcy Law is to

Browse Court Rules Database by Federal State State Florida Florida U S Bankruptcy Court Middle District of Florida Official Rules are available for downloading in Microsoft Word and PDF formats Adobe Acrobat Reader is required to view and print documents in PDF format Both the currently effective Local Rules and the superseded previously effective Local Rules are available on this site   Florida U S Bankruptcy Court Middle District of Florida Official To view and print the PDF file online you will need a PDF reader installed on your computer like the one available from Adobe Systems   Florida U S Bankruptcy Court Middle District of Florida Requires Pacer user name and password   Florida U S Bankruptcy Court Southern District of Florida Official PDF format   Florida U S Bankruptcy Court Southern District of Florida Web Pacer Requires PACER user name and password Includes images   Florida U S District Court for the Middle District of Florida Official Click on Local Rules on the left of the screen   Florida U S District Court for the Northern District of Florida Official PDF format   Florida U S District Court for the Northern District of Florida Web Pacer Requires PACER

General Description of Bankruptcy Law State and Federal Courts General Description of Court House Filing Procedures and Bankruptcy Highlights GENERAL INFORMATION ON BANKRUPTCY Donald J Schutz Esq Attorney at Law Member of the Bar of California Florida and District of Columbia; Central Avenue; St Petersburg FL ; ; Telefax Email On this page you will find general information about bankruptcy including a discussion of the difference between state and federal courts the difference between Chapters and and a discussion of the bankruptcy courts and filing procedures At the bottom of the page you may link to more specific information on each of the various types of bankruptcies INTRODUCTION TO BANKRUPTCY COURTS THE DIFFERENCE BETWEEN FEDERAL COURTS AND STATE COURTS In the United States there are two separate court systems state courts and federal courts Both systems are established by a constitution The United States Constitution establishes the Court system of the United States also known as the federal system Each state has its own constitution and the constitution of the state establishes the state court system The United States Constitution provides that federal law is supreme to state law also known as the Supremacy Clause This is the reason that



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