Is Bankruptcy Right for You?

5 Stars

Joey C

After months of talking to bankruptcy attorneys and looking for one that was honest and trustworthy, I was fortunate enough to find Sun Coast Law. They were completely honest from day one, and was so thorough in walking me through the process. The staff is incredibly easy to work with, and they are so detailed to make sure you have everything complete, correct, and ready to go. I can honestly say that what seemed to be the hardest choice of my life turned out to be the easiest, worry free process. I truly am grateful to have had such a great team working for me.

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Florida Bankruptcy Exemptions

Many people contact our office to ask questions about tax debt and whether it can be included in a Chapter 7 or Chapter 13 bankruptcy. Our experienced bankruptcy lawyers at SunCoast Law work to maximize all legal opportunities to include as much debt under the bankruptcy petition as allowed.

It is possible to discharge certain old tax debt under Chapter 7 bankruptcy rules. Certain conditions must apply including:

36 months past federal filing due date—To ensure you have exhausted all means to pay your federal tax debt, the government requires that three years, (including extensions) from the filing due date must pass before taxes can be considered for discharge. Your taxes must have been timely filed otherwise they may not qualify to be discharged.

If you have recently received a government notice that taxes are due, you will likely not be able to include this debt under Chapter 7 bankruptcy for discharge. You will however, be able to file for a Chapter 13 bankruptcy, restructuring plan and address all tax debt issues.

Tax assessment 240 days prior to filing bankruptcy—You must prove that the IRS assessed the tax debt, eight months or more prior to filing bankruptcy.

Not the Result of Fraud or Evasion—For discharge, tax debt may not be part of a fraudulent return. Also, you may not be guilty of tax evasion in any way. Bankruptcy, as it involves tax debt can be complicated.

If you’ve been burdened with taxes you just can’t pay, it’s time to talk to someone who can help. Contact SunCoast Law to schedule a consultation now, (844) 330-2727.

We offer debt relief solutions in compliance with U.S Bankruptcy Code.

Our Locations


1209 Edgewater Drive

Suite 203A

Orlando, Florida 32804

(407) 413-8400

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400 N Ashley Street

Suite 1900

Tampa, Florida 33602

Fort Myers

8831 Business Park Dr

Suite 301

Fort Myers, Florida 33912


10751 Deerwood Park Blvd

SouthWaterview II, Suite 100

Jacksonville, Florida 32256