BANKRUPTCY LAWYER The experience to handle your legal matter with the utmost importance. THE GINA ROSATO LAW FIRM, P.A. Contact me today for a consultation at: 813-463-8000. The attorney you choose wi

WHAT I WILL DO FOR MY CLIENTS Bankruptcy Cases : I will review you financial situation and needs: I personally take the time to review every case. It is important to completely understand your situati

At some point in our lives it is inevitable that we will need an attorney. It is important to completely understand your legal situation. It is not uncommon for people to take legal matters in their o

HOW I AM DIFFERENT FROM OTHER ATTORNEYS Your choice for legal representation is critical and you should have the utmost confidence in your attorney. It is important that you to find a lawyer who you t

Bankruptcy can be a good option for you if: (1) You are overwhelmed with mounting debt and regardless of how much you are working your not making a dent in the principal balance. (2) You are avoiding

There are numerous reasons to file for bankruptcy. 1) Protection of your assets – Creditors can wipe out your savings or checking accounts, attach liens to assets, or have your employer garnish your w

It is a very common questions for clients to ask what assets they can keep when filing for bankruptcy. Filing for bankruptcy can help you protect your cash and property. It can allow you to keep criti

Your credit report reflects your financial ability or inability to pay your debts. If you are unable to pay your debts in a timely manner then this will be reflected in your credit report. If you take

TAMPA CHAPTER 7 BANKRUPTCY ATTORNEY Filing for a Chapter 7 bankruptcy eliminates most or all of your unsecured debt such as credit cards, medical bills, and other judgments. It is also called a straig

Individuals or couples filing for protection under a Chapter 7 Bankruptcy must meet certain eligibility requirements under a “Means Test.” This test requires that you first determine if your average m

Credit card debt is usually dischargeable. However, there are exceptions such as taking out large cash advances within 90 days or less of filing for bankruptcy. In addition charging high amounts of pu

TAMPA CHAPTER 13 BANKRUPTCY ATTORNEY Filing a Chapter 13 Bankruptcy is known as a reorganization or repayment plan. Entering into a Chapter 13 Plan allows you to restructure your debt through a repaym

Click one of the categories below to learn more about bankruptcy and the type of debt. Judgments Credit Card Debt Student Loan Debt IRS Debt Medical Debt Marital Debt Contact me today for a consultati

Can my wages be garnished if I file for bankruptcy? It is devastating to a family when a wage garnishment is taking money out of your household unexpectedly. Creditors can garnish up to 25% of your in

Can Bankruptcy Get Rid of Credit Card Debt? In many cases the answer is “yes”. Credit card debt and other unsecured debts are usually discharged in bankruptcy. However, there are exceptions such as ta

STUDENT LOAN DEBT Over 40 million Americans own money on student loans with an average balance of $29,000. The total debt is owed by Americans is over $1 trillion dollars. This has become a huge burde

HOW WILL BANKRUPTCY AFFECT IRS DEBT OBLIGATIONS? It is not uncommon for people with debt to be behind on their personal taxes to the IRS. Tax debts that remain unpaid allow the IRS to assert tax liens

HOW DOES BANKRUPTCY AFFECT OUTSTANDING MEDICAL BILL OBLIGATIONS? Medical issues can result in an outstanding medical debt for unpaid balances or balances not covered by insurance. Medical costs have s

CAN JUST ONE SPOUSE FILE BANKRUPTCY? Both spouses do not always have to file for bankruptcy together. Every situation is unique. I will evaluate your personal situation to determine whether it is more

WHAT IF I HAVE A JUDGMENT FILED AGAINST ME? Creditor lawsuits and financial judgments against you are major legal proceedings that can compel a person already struggling with mounting debt to seriousl

FDCPA and FCCPA Violations FDCPA and FCCPA Violations often occur when a creditor or collection company acts in a harassing conduct. These may be some instances that are considered debt harassment: Ca

Often our clients are faced with debts that force them to consider options such as bankruptcy. It is not uncommon for some clients to have a single debt that needs immediate attention due to pending l

FREQUENTLY ASKED QUESTIONS ABOUT BANKRUPTCY HOW LONG DOES A BANKRUPTCY TAKE? A Chapter 7 bankruptcy case can take between 5-8 months to complete. A Chapter 13 bankruptcy case can take an average of 3-

HOW I AM DIFFERENT FROM OTHER TAMPA PERSONAL INJURY LAWYERS? First, I take pride in ensuring that my clients are always treated with respect, their cases are handled efficiently, with zealous and that

CAR ACCIDENT NEGLIGENCE: Nearly every driver has had the unfortunate experience of being involved in an automobile accident at least once in their lifetime. In fact, someone is involved in an car acci

Every product release to the American public must be safe for use and consumption or you must be clearly warned of any potential dangers associated with the use of the product. Every day people are in

In Florida, thousands of individuals are victims of unprovoked dog attacks every year. These attacks often cause serious injuries resulting in extensive scarring, physical impairment and even death. U

Florida is ideal year round for motorcyclists to enjoy. The freedom of motorcycle riding is much more dangerous then driving a car so the risk of serious injury, or death, is substantially greater. Fl

Property owners are often responsible for protecting you while you are on their premises if they fail to do so it is referred to as negligent security. These cases are typically against hotels, shoppi

Property owners and business owners both have a duty to provide a safe environment for individuals on their premises. However, property owners and businesses often fail to maintain their premises and

If you injure spine in an accident seek immediate medical attention. If you begin to notice symptoms such as loss of motor coordination, unusual sensations, sensitivity to temperature, numbness, weakn

Serious accidents can sometimes result in traumatic brain injury. If left untreated this injury can lead to paralysis or death. If you have been involved in an accident involving any impact to your he

Semi-trucks drivers are responsible for many auto accidents, deaths and injuries on the road. Companies owning, commercial trucks, 18-wheeler trucks and tractor-trailers are responsible for performing

A family member dealing with a preventable death and loved one’s loss is undoubtedly very traumatic. Thankfully there are laws in place to protect those family members left behind in the tragedy. Flor

Many people injure their knees, shoulders, back or neck in car accidents. You should receive treatment if you have injured a ligament, muscle or suffered any fractures or herniation. Often injuries th

QUESTIONS ABOUT PERSONAL INJURY Should I see a doctor for my injury? You may not feel any pain or discomfort immediately after an accident but you should still have a medical examination in case there

How Does Bankruptcy Affect a Foreclosure Proceeding? Filing a personal bankruptcy triggers an “automatic stay” that suspends debt collector harassment, repossession efforts, pending lawsuits from cred

Filing for a personal bankruptcy triggers an “automatic stay” that suspends debt collector harassment, repossession efforts, pending lawsuits from creditors, foreclosure and wage garnishment. Homeowne

What is a Short Sale? Simply stated. A short sale is when the lender accepts less than the amount owed on your mortgage. This option should be carefully considered and more importantly fully understoo

Will the bank work with me to modify my mortgage loan? The success of a loan modification is based on several factors including hardship, income and the ability to pay the loan. It depends on the indi