Bankruptcy Attorneys Serving St. Petersburg and Pinellas County

Overwhelmed by Debt in St. Petersburg?

Bankruptcy May Be the Answer

If you’re buried in credit card debt, medical bills, or behind on your mortgage, you don’t have to face it alone. At Consumer Law Attorney, we help individuals and families across St. Petersburg find financial freedom through Chapter 7 and Chapter 13 bankruptcy. With local experience and compassionate guidance, we’ll help you regain control.

Schedule a Free Bankruptcy Consultation

Bankruptcy Services in St. Petersburg

File Chapter 7 or Chapter 13 Bankruptcy in St. Petersburg With Confidence

Chapter 7
Chapter 13

Chapter 7 Bankruptcy

Eliminate unsecured debts like credit cards and medical bills
Fast resolution — typically within 90–120 days
Keep essential assets using Florida’s exemptions
Great for low- or fixed-income individuals

Chapter 13 Bankruptcy

Reorganize your debt with a 3–5 year payment plan
Prevent foreclosure and repossession
Consolidate arrears on your home, car, or taxes
Best for those with regular income

Why Choose Us in St. Pete

Experienced Bankruptcy Attorneys in St. Petersburg Who Understand Local Needs

We’ve helped hundreds of people in St. Petersburg and Pinellas County break free from debt. Our team knows the local court system and handles every step — so you can focus on moving forward.

Key Benefits:

Experience with the U.S. Bankruptcy Court – Middle District of Florida (Tampa Division)
Local familiarity with St. Petersburg trustees and procedures
Flat-fee pricing and payment plans available
Bilingual support (English / Spanish)

Bankruptcy Process Overview

How Bankruptcy Works in St. Petersburg

Bankruptcy Steps:

Free consultation with a local bankruptcy attorney
We assess your income, assets, and eligibility
We file your petition and begin protection via the automatic stay
You attend a Meeting of Creditors (341 hearing)
Your debts are discharged (Chapter 7) or repayment plan approved (Chapter 13)

Hear From Our Clients in St. Petersburg

    
 
 
       Posted on Google  
   
   Marvin Louka 
 
 
 
  Very professional and quick turn around!
  
 
      Posted on Google  
   
   Kiera Smith 
 
 
 
  Great firm. Polite, honest, and professional. Handled our dispute accordingly.Elaine Prado is amazing. Definitely recommend. Took all of my anxiety away as legal matters can be very grey sometimes.
  
 
      Posted on Google  
   
   Dorron Turner 
 
 
 
  Elaine Prado did a great job of keeping me informed on my case and letting me know my options.
  
 
      Posted on Google  
   
   Gabrielle Valentine 
 
 
 
  Exceptional Personal Injury Firm I engaged Consumer Law Attorneys to assist me with a personal injury matter that occurred during my pregnancy. It was a particularly frightening experience, especially during the third trimester. From my initial consultation with Attorney Young Kim, I found him to be informative, professional, and friendly. Throughout the process, he was always available to answer my questions, which gave me great confidence and allowed me to focus on my family rather than the case. Attorney Kim reached a settlement that exceeded my expectations. I am extremely pleased with the outcome. My baby and I are doing well, thanks to Mr. Kim and his dedicated paralegal, Elaine. I highly recommend Consumer Law.
  
 
      Posted on Google  
   
   Robert M 
 
 
 
  Excellent Legal Representation I recently had the pleasure of working with Consumer Law Attorneys (CLA) on my personal injury case. Attorney Young Kim and his Paralegal Elaine were always available to answer my questions and kept me informed every step of the way. I received a fair settlement that exceeded my expectations. I highly recommend CLA to anyone in need of a personal injury attorney. Their exceptional service and genuine care for their clients set them apart from their competitors.
  
 
      Posted on Google  
   
   Chrissa Haygood 
 
 
 
  These lawyers have great communication skills and will fight for you!
  
 
      Posted on Google  
   
   Jennifer Kennedy 
 
 
 
  I stupidly signed as a Co Borrower for a young family member.  I had no idea home was in foreclosure until contacted by a process server. Consumer Law worked with me to stop foreclosure until house could be sold.  They saved me from financial ruin!

Bankruptcy FAQs for Pinellas County Residents

Will filing for bankruptcy stop foreclosure?

Yes. Filing bankruptcy in St. Petersburg immediately triggers the “automatic stay,” which stops foreclosure proceedings and other collection actions. If your home in Pinellas County is at risk, Chapter 13 lets you catch up on missed payments through a repayment plan, which can save your home long-term. Chapter 7 may not resolve past-due mortgage issues, but it will temporarily stop a foreclosure sale, giving you extra time to consider options. This protection is one of the most powerful tools bankruptcy provides.

How much does bankruptcy cost in St. Petersburg?

The cost to file bankruptcy in St. Petersburg includes court filing fees and attorney fees. The filing fee is around $338 for Chapter 7 and $313 for Chapter 13. Attorney fees depend on the complexity of your case and the type of bankruptcy you choose. Many local attorneys, including Consumer Law Attorneys, offer flat rates and payment plans, so clients can afford to move forward without delay. When compared to the amount of debt eliminated, the cost of filing is often small in comparison.

Can I keep my car and home?

Most people who file for bankruptcy in St. Petersburg are able to keep their home and car. Florida law has some of the strongest homestead protections in the country, shielding your primary residence from creditors. There are also exemptions to protect the value of your vehicle and personal property. In Chapter 13, you can catch up on missed mortgage or car payments, while Chapter 7 usually allows you to keep secured property if you remain current on payments. Losing these assets is the exception, not the rule.

How will bankruptcy affect my credit?

Bankruptcy does appear on your credit report, but the impact is often less damaging than continuing to carry overwhelming debt. In St. Petersburg, Chapter 7 remains for 10 years, while Chapter 13 stays for 7 years. Many clients see their credit improve within a year or two because bankruptcy clears away delinquent accounts. By paying bills on time and using credit wisely after filing, it’s possible to rebuild your score faster than you may expect. For many, bankruptcy is the first step toward financial recovery.

Contact Consumer Law AttorneysGet Help From a St. Petersburg Bankruptcy Attorney

Take the first step toward financial relief. There’s no cost to speak with us, and we’ll help you understand if bankruptcy is the right option.

(877) 241-2200

Request Free Case Review

More Services

Contact

MAIN OFFICE

Main Office: 2727 Ulmerton Road, Ste. 270, Clearwater, FL 33762

CONTACT

TELEPHONE

(877) 241-2200

WORKING HOURS

Mon-Fri: 9am – 6pm EST

*Disclaimer: The information you obtain at this site is not, nor is it intended to be, legal advice. You should consult an attorney for advice regarding your individual situation. Contacting us does not create an attorney-client relationship. Please do not send any confidential information to us until such time as an attorney-client relationship has been established.The hiring of a lawyer is an important decision that should not be based solely upon advertisements. Before you decide, ask us to send you free written information about our qualifications and experience.

SERVICES