I'm Here Because...
I was in a car accident.Do I really need a lawyer? Or can I handle it myself?
Do I have a case?Give us a call or submit your details to us for your free consultation.
Do I need a lawyer?Its better to find out before its too late, rather than after!
Call me before you talk to an insurance adjustor. It may save you money.


Filing for bankruptcy can protect you if you are financially strained, but it can also lead to many legal repercussions. To fully understand what type of bankruptcy is appropriate for your situation and what it means for your finances, talk to the bankruptcy lawyers at the Coye Law Firm. Many disputes over property and debt need immediate intervention to prevent further damage to a consumer's credit and financial state. Our offices in Clermont, Tampa, Orlando, Kissimmee, or Melbourne can take on these cases and explain your options in bankruptcy.

When to Consider Bankruptcy

People file bankruptcy when their debts are unmanageable and they have no way of paying them off. Depending on the person's individual financial situation, they may be eligible to file for either Chapter 7 or Chapter 13 bankruptcy. Bankruptcy allows individuals and families the chance to start fresh. However, there is a serious impact on your credit score and other measures of your finances.

The decision to file for bankruptcy should not be taken lightly. You need a bankruptcy lawyer to help you determine which form of bankruptcy can help you the most. The Coye Law Firm's bankruptcy attorneys have training and experience in many areas of financial law, including taxes, real estate, and foreclosure.

Types of Bankruptcy

There are three types of bankruptcy commonly filed. These are:

  • Chapter 7 , in which an individual's assets are liquidated
  • Chapter 13 , in which an individual can personally organize repayment
  • Chapter 11 , in which businesses can organize their repayment
Each category is designed to help consumers or businesses that find themselves in certain financial situations. After you read a general overview of each type, call the Coye Law Firm to speak with an experienced bankruptcy attorney who can answer your questions and begin the process of filing for bankruptcy.

Learn how bankruptcy affects debt collection practices to understand your rights and protections.

To learn about how household size and income affect a bankruptcy claim , visit our page on the subject.

More information about reorganization of debt is available on our website.

Debtors may also be interested in how bankruptcy affects retirement savings , including IRAs and 401(k)s.

If you are a small business owner, you may have special considerations if you are considering filing for bankruptcy.

If you are receiving payments or a settlement on a worker's compensation you can learn more on our page about how worker's compensation will affect bankruptcy.

The U.S. Bankruptcy Court for the Middle District of Florida has set up a site for Frequently Asked Questions for all types of bankruptcy. Their website also has valuable resources for anyone considering or dealing with foreclosure.

Bankruptcy Resources

For more information about bankruptcy, read our Frequently Asked Questions about Bankruptcy .

Important Forms are available here .

The Coye Law Firm is experienced in bankruptcy proceedings and tax matters. If you find yourself in financial trouble, it is important to know your responsibilities and how your rights as a consumer are protected. Call today to start the process of resolving disputes with creditors.