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Chapter 7 - Debt Liquidation
Elimination of unsecured debts such as credit cards, medical bills, and personal loans in approximately 4 months.
SERVICES
Bankruptcy Attorneys in Tampa, Florida
Eliminate your debts legally with Chapter 7, reorganize with Chapter 13, or restructure your business with Chapter 11 and Sub-Chapter V. Over 30 years resolving personal and business bankruptcy cases. Free consultation.
Acosta Law Firm provides expert legal representation in personal and business bankruptcy in Tampa and Orlando, Florida. We help you eliminate debts, reorganize payments, defend your home against foreclosure, and stop creditor harassment. We speak Spanish, free consultations, and accessible payment plans.
SERVICES
Bankruptcy Services
Bankruptcy Law lets you eliminate or restructure debts legally. We handle Chapter 7 (liquidation), Chapter 13 (personal reorganization), Chapter 11 and Sub-Chapter V (business), fo...
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Chapter 13 - Personal Reorganization
3-5 year payment plan to keep your home, car, and protect higher incomes. Ideal if you have regular income.
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Chapter 11 - Business Reorganization
Debt restructuring for small and medium businesses that wish to continue operating under legal protection.
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Foreclosure Defense
We stop the auction of your home and negotiate loan modifications or reinstatement. Save your home from foreclosure.
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Wage Garnishment Stop
We stop wage and bank account garnishments through the automatic stay that goes into effect when filing the case.
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Creditor Harassment Defense
We stop calls, letters, and threats from collectors under the FDCPA (Fair Debt Collection Practices Act).
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Means Test Analysis
We evaluate whether you qualify for Chapter 7 based on income and expenses before filing your case in court.
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Medical Debt Elimination
Total discharge of hospital and medical bills in bankruptcy. Regain control of your financial health.
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Small Business Bankruptcy (Sub-Chapter V)
Simplified Chapter 11 process for businesses with debts under $7.5M. Faster and more economical than traditional Chapter 11.
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Free Bankruptcy Consultation
Free 30-minute initial evaluation to review your financial situation and legal options without obligation.
Frequently Asked Questions About Bankruptcy Attorneys
Yes. We offer accessible payment plans and financing. We also accept cash, credit cards, Zelle, PayPal, and Venmo.
Acosta Law Firm offers free consultation and flexible payment plans. The cost to file Chapter 7 in court is $338 in court fees, plus attorney fees. We accept cash, cards, Zelle, PayPal, Venmo, and financing plans.
In most cases, no. Florida exemption laws (homestead exemption) protect your primary residence, vehicle, and other essential assets. During the free consultation we evaluate your specific situation.
Yes. We serve clients in Tampa, Orlando/Kissimmee, and throughout South Florida. We also offer virtual consultations for clients who cannot visit our offices.
For your free consultation we suggest bringing: official ID, recent income proof (last 6 months of pay stubs or tax returns), list of debts with balances, deeds or titles of properties and vehicles, and any collector letters or court notices. If you don't have all documents, don't worry — the initial consultation is still useful to evaluate your options.
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Immigration & Naturalization
If you or a family member needs help with immigration matters, our immigration attorneys can assist you.
- Deportation Defense
- Citizenship and Naturalization (N-400)
- Family Immigration (I-130 / I-485)
Need Legal Help? Don't Wait Any Longer.
Every day counts in your case. Schedule your free consultation and discover your legal options with a bilingual attorney.
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