Pilka & Associates, P.A. represents clients in Chapter 7 and Chapter 13 personal bankruptcy proceedings and debt relief. Our personal bankruptcy attorneys in Lakeland and Brandon regularly appear before the United States Bankruptcy Court on behalf of clients who are:

  • Individuals
  • Businesses
  • Creditors
  • Partnerships
  • Corporations

We also represent creditors of bankrupt debtors. Our Brandon and Lakeland bankruptcy attorneys help to determine the best course of action and how the different options impact your unique situation. Bankruptcy courts have broad powers that other courts and processors do not. Therefore, it is important to have experienced counsel to direct you through the bankruptcy process, whether you are using the courts' protection or trying to collect from a person or company in bankruptcy.

An experienced bankruptcy attorney can make the difference

For debtors. Pilka & Associates, P.A. handles matters that arise in bankruptcy law cases for:

  • Chapter 7 bankruptcy is when a debtor's non-exempt assets are liquidated by the trustee to pay creditors' claims or are abandoned. This option offers you a fresh start since most debts are forgiven. Unless you have large equity in your house, car, or valuables, the court seldom orders liquidation of these properties.
  • Chapter 13 bankruptcy is used by individuals, including those self-employed with regular income, who need to file for relief. Chapter 13 is often used by individuals who want to catch up past due mortgage or car loan payments and keep their assets. The debtor must propose in good faith to pay all or part of the debts from future income over a period of time ranging from three to five years.

Before you come to your first appointment with a Pilka & Associates, P.A. bankruptcy attorney, please print out our online Bankruptcy Information Form, provide the information requested, and bring the form with you. On this form, you supply all the details of your finances, creditors, and debts. This is the first step in our analysis of your financial past and our recommendations for the future.

For creditors. Pilka & Associates, P.A. represents individuals and businesses who are creditors of debtors who have filed bankruptcy. In such cases, we ensure that our clients receive the maximum recovery allowed under the Bankruptcy Code.

Foreclosure defense

Like many Americans, you may be behind in your mortgage payments and facing foreclosure. We understand that your home is your largest asset and the core of your family's stability. Foreclosure is the legal process whereby a lender takes your property when you have defaulted under the terms of your mortgage. Lenders must follow specific guidelines. Therefore, it is critical that you are advised by an attorney of the legal remedies that may be available to you.

Clients often believe they have no other option but to vacate their home or sign it over to the bank. However, it is possible for them to keep their home and even avoid bankruptcy. Pilka & Associates, P.A. can help you determine your options and develop an effective defense strategy from our offices in Brandon and Lakeland, Florida.

Reach out to our firm

Please contact Pilka & Associates, P.A. online or call our Florida offices at 863-236-9321 or (863) 687-0780. The bankruptcy law firm in Brandon and Lakeland serves clients throughout West Central Florida, including the counties of:

  • Citrus County
  • Hernando County
  • Pasco County
  • Pinellas County
  • Hillsborough County
  • Manatee County
  • Sarasota County
  • Sumter County
  • Lake County
  • Polk County
  • Hardee County
  • DeSoto County
  • Orange County
  • Osceola County
  • Highlands County