Bankruptcy Attorneys Serving Clearwater and Pinellas County

Struggling With Debt in Clearwater?

Bankruptcy May Offer Relief

If you’re facing financial stress in Clearwater — from credit cards, medical bills, wage garnishment, or foreclosure — bankruptcy may be the solution. At Consumer Law Attorney, we help individuals and families across Pinellas County get protection from creditors and start over through Chapter 7 or Chapter 13 bankruptcy.

Schedule Your Free Bankruptcy Consultation

Bankruptcy Services in Clearwater

We Help Clearwater Residents File Chapter 7 and Chapter 13 Bankruptcy

Chapter 7
Chapter 13

Chapter 7 Bankruptcy

Wipe out most unsecured debt
Fast-track process (usually 3–4 months)
Florida exemptions protect home, car, and belongings
Best for low-income individuals

Chapter 13 Bankruptcy

Reorganize debt into manageable payments over 3–5 years
Stop foreclosure, repossession, and collection lawsuits
Keep your property while catching up on missed payments
Ideal for steady-income earners

Why Clients in Clearwater Choose Us

Experienced, Local Bankruptcy Attorneys in Clearwater

We’ve helped people throughout Clearwater resolve debt and regain financial freedom. From explaining your options to handling the paperwork and court appearances, we take care of the process so you can focus on rebuilding.

Key Benefits:

Experience with U.S. Bankruptcy Court – Middle District of Florida
Knowledge of Pinellas County court procedures and trustees
Affordable flat fees and flexible payment plans
Friendly, respectful, and bilingual support (English / Spanish)

Our Process

What to Expect When Filing Bankruptcy in Clearwater

Bankruptcy Steps:

Free consultation to assess your situation
Document preparation and eligibility check
File your bankruptcy case — automatic stay begins immediately
Attend the 341 Meeting of Creditors
Receive your discharge or begin court-approved repayment plan

What Clearwater Clients Are Saying

    
 
 
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   Marvin Louka 
 
 
 
  Very professional and quick turn around!
  
 
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   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.
  
 
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   Dorron Turner 
 
 
 
  Elaine Prado did a great job of keeping me informed on my case and letting me know my options.
  
 
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   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.
  
 
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   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.
  
 
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   Chrissa Haygood 
 
 
 
  These lawyers have great communication skills and will fight for you!
  
 
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   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!

Clearwater Bankruptcy FAQs

Will filing bankruptcy stop foreclosure in Clearwater?

Yes. Filing bankruptcy in Clearwater triggers an automatic stay that stops foreclosure proceedings right away. If your home in Pinellas County is at risk, Chapter 13 allows you to catch up on overdue mortgage payments while protecting your property. Chapter 7 can also pause a foreclosure temporarily, though it may not provide a long-term solution if you’re significantly behind. Acting quickly is critical if your home already has a foreclosure sale date.

Can I keep my car if I file?

In most Clearwater bankruptcy cases, you can keep your car. Florida law allows you to protect part of your vehicle’s equity. In Chapter 13, you can even include missed payments in your repayment plan. In Chapter 7, as long as the car’s value fits within exemption limits and payments are current, you usually keep your vehicle. Losing a car through bankruptcy is uncommon.

What is the difference between Chapter 7 and Chapter 13?

Chapter 7 eliminates most unsecured debts in about 3 to 4 months and is best for people with low income and few assets. Chapter 13 creates a 3 to 5 year repayment plan that lets you catch up on mortgage, car, or tax debts while protecting your property. In Clearwater, Chapter 7 is often chosen for quick relief, while Chapter 13 is a strong option for people who want to keep their assets and stop foreclosure. Both provide debt relief but work differently.

How long does the process take?

In Clearwater, Chapter 7 bankruptcy usually takes around 3 to 4 months from filing to discharge. Chapter 13 lasts longer, since it involves a repayment plan that spans 3 to 5 years. The length of your case depends on whether documents are submitted on time and if creditors raise objections. With an experienced attorney guiding the process, most cases move forward smoothly and without major delays.

Contact Consumer Law AttorneysTalk to a Clearwater Bankruptcy Lawyer Today

Take control of your finances today. Our team is here to guide you with compassion and clarity. No pressure — just answers.

(877) 241-2200

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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.

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