3905 Crescent Park Drive, Riverview, FL, USA
Tampa (813) 730-8060 Miami (305) 703-8060
Serving Tampa, Miami & All of South Florida.
Our Approach
Chapter 7
Student Loans
Chapter 13
Chapter 7 bankruptcy may help eligible individuals eliminate certain unsecured debts, such as credit cards, personal loans, and medical bills. In Florida, some property may be protected through available state exemptions. An experienced bankruptcy attorney can review your financial situation, explain your options, and help determine whether Chapter 7 may be appropriate for you.
Book a free consultation with Bay to Bay Bankruptcy Law to discuss your options.
Chapter 13
Student Loans
Chapter 13
Chapter 13 bankruptcy may help individuals with regular income reorganize their debts through a repayment plan. It can provide a way to catch up on missed mortgage payments, car payments, or other secured debts over time. In Florida, a Chapter 13 plan typically lasts three to five years, and remaining eligible debts may be discharged after the plan is successfully completed.
Book a free consultation with Bay to Bay Bankruptcy Law to discuss your options.
Student Loans
Student Loans
Student Loans
Student loan debt is not automatically discharged in bankruptcy. In some cases, a separate adversary proceeding may be required, where the court reviews whether repayment would create an undue hardship. Because these cases depend on each person’s specific financial circumstances, the outcome can vary.
Book a free consultation with Bay to Bay Bankruptcy Law to discuss your options.
Frequently Asked Questions
Please reach us at Lmederos@baytobaybk.com if you cannot find an answer to your question.
Bankruptcy is a legal process that allows individuals, businesses, and other organizations to discharge or restructure their debts.
Chapter 7 eliminates most unsecured debt quickly (credit cards, medical bills)
Chapter 13 creates a payment plan to catch up on debts over time
The right choice depends on your income, assets, and goals.
Not necessarily. Chapter 7 bankruptcy may require the liquidation of some assets to pay off creditors. However, some assets, such as your primary residence, may be exempt. Chapter 13 bankruptcy allows you to keep your assets while paying off your debts over a period of time.
Yes. We represent clients throughout Tampa, Miami, Orlando, Fort Lauderdale, Naples, and all Florida districts. Most of the process can be handled remotely, making it easy to file no matter where you are in Florida.
Not necessarily. Many clients are able to keep their home and vehicle depending on available exemptions, loan status, and overall financial situation. We evaluate your case to determine the best strategy to protect your assets.
INITIAL INTAKE FORMS
Schedule your free consulation
Contact Us
Better yet, see us in person by making an appointment
At Bay to Bay Bankruptcy Law, we care about helping our clients find a path forward. If you have questions about bankruptcy, schedule an appointment with an experienced bankruptcy attorney today.
Bay to Bay Bankruptcy Law
3905 Crescent Park Drive, Riverview, FL, USA
Tampa: 3905 Crescent Park Dr, Suite 112, Riverview, FL 33578 (813) 730-8060 MIAMI: 6303 Waterford District Drive #400, Miami, FL 33126 (305) 703-8060 Lillianet Mederos Orama, Esq. FBN: 1049680
Hours
Open today | 09:00 am – 05:00 pm |
Disclaimer & Terms of Use
Website Disclaimer
The information on this website is provided for general informational purposes only and is not legal advice. Viewing, reading, downloading, or using this website does not create an attorney-client relationship between you and Bay to Bay Bankruptcy Law, MS Legal Team, PLLC, or any lawyer, paralegal, employee, or agent of the firm.
Do not send confidential, sensitive, or time-sensitive information through this website, including through any contact form, chat feature, text message, or email address, unless and until you have received written confirmation that the firm has agreed to represent you. Information submitted before an attorney-client relationship is formally established may not be treated as privileged or confidential, and the firm may not be able to treat it as such.
The hiring of a lawyer is an important decision that should not be based solely on advertisements. This website may contain descriptions of legal services, educational content, case summaries, client testimonials, or statements regarding past results. Such content is provided for informational purposes only and is not a guarantee, warranty, or prediction of future results. Prior results do not guarantee a similar outcome. Every matter is different, and results depend on the facts, the law, the forum, the opposing parties, and many other factors.
The information on this website may not reflect the most current legal developments and may change without notice. The firm makes no representation that the content is complete, accurate, or current for any particular situation. If you need legal advice regarding your specific circumstances, consult a licensed attorney.
This website is intended primarily for persons seeking information about legal services in Florida. Laws vary by state, and this website is not intended as legal advice for jurisdictions outside Florida. The firm does not seek to represent anyone in any jurisdiction where this website does not comply with applicable laws or ethical rules.
Bankruptcy-Specific Notice
Bankruptcy law is complex and changes over time. Chapter 7, Chapter 13, student loan, and other bankruptcy-related matters may involve eligibility requirements, exemption issues, means testing, plan confirmation, dischargeability, adversary proceedings, and other limitations or procedural requirements. A bankruptcy filing may not stop all collection activity in every circumstance, and some debts may not be dischargeable.
AI Disclosure
Portions of this website, including informational pages, FAQs, chat responses, summaries, intake assistance, or draft content, may be generated or assisted by artificial intelligence. AI-assisted content is reviewed by the firm for general informational purposes only, may contain errors or omissions, and may become outdated. AI-generated or AI-assisted content is not legal advice and should not be relied upon as a substitute for consultation with a licensed attorney.
Terms of Use
Your use of this website is subject to these terms. You agree not to use the website for any unlawful purpose or to attempt to interfere with the operation or security of the website. The firm may modify, suspend, or discontinue any part of the website at any time without notice. Links to third-party websites are provided for convenience only; the firm is not responsible for third-party content, accuracy, availability, or privacy practices.
No Guarantees
Statements about the firm’s services describe the nature of the firm’s practice only. The firm does not guarantee outcomes, timelines, or the success of any legal matter.
Communications by Email or Website Forms
Sending a message through this website does not make you a client. Do not send time-sensitive information unless an attorney or authorized staff member has instructed you to do so in writing.
Bay to Bay Bankruptcy Law
3905 Crescent Park Drive, Riverview, FL, USA
Tampa (813) 730-8060 Miami (305) 703-8060
This website uses cookies.
We use cookies to analyze website traffic and optimize your website experience. By accepting our use of cookies, your data will be aggregated with all other user data.