Law Offices of Robert M. Geller, P.A

Firm Overview

Tampa Bay Bankruptcy Lawyers

Many good people experience unexpected situations that place burdens on their finances. Individuals who have lost their jobs, had pay reductions, experienced recent illness or disability, recently divorced or are locked into an unsustainable mortgage often wonder where they can turn, what they can do and how they will ever recover from financial disaster. We can help!

Clients Are People, Not Numbers

Our Tampa Bay bankruptcy attorneys are compassionate and caring professionals who understand the seriousness of choosing to file bankruptcy or dealing with either a serious injury or the death of a loved one. It is our firm's philosophy and goal to give each client the individual attention he or she needs in difficult times. If you become a client, you will meet with an attorney throughout every stage of the bankruptcy process. Our attorneys will meet with you during your first consultation at the firm as well as throughout every other step of the process. From gathering your information to attending your court appearances, our attorneys will be there to answer your questions. Our offices have been in the Tampa Bay area since 1991. We are a local law firm. Unlike some firms with main offices in other states, we rarely hire someone you have never met to go to court with you. If an attorney is unavailable when you call, our great support staff should be able to assist you.

Notified of Foreclosure? Our Lawyers Can Help.
At the Law Offices of Robert M. Geller, P.A., our Tampa foreclosure attorneys advise and counsel people about their options when confronting foreclosure, including:

*Seeking a loan modification through the federal government Making Home Affordable Program (HAMP) in an attempt to reduce interest payments and reduce mortgage payments
*Pursuing a short sale
*Filing for bankruptcy

Unfortunately, people are frequently unsuccessful in securing an acceptable loan modification and are left with the latter options. Afraid of the stigma many people associate with filing for bankruptcy, they consider pursuing a short sale in an effort to both avoid foreclosure and avoid the need to file for bankruptcy. However, given the many disadvantages and liabilities that can result from a short sale, people may be better off filing for bankruptcy instead.

Pitfalls of Short Sales
Promissory note: Your lender may not be willing to release you from your promissory note (your debt obligation). While the bank may allow you to enter into the short sale and approve of the sale, it may still require repayment for the remaining balance of your debt. Even if this is not communicated at the time of the sale, unless the lender releases you from the promissory note, it will have five years to attempt to recollect this debt. However, filing for Chapter 7 or Chapter 13 bankruptcy can discharge you of all obligations on the promissory note.
Tax consequences: While lenders will rarely release debtors of obligations to the promissory note, if it does, and the property was not the debtor's primary residence, the amount of debt from which the debtor was released may be considered taxable income, which will need to be reported on the debtor's next tax filing. These additional tax liabilities are not usually explained to people who are pursuing a short sale. However, debt that is discharged through bankruptcy does not result in additional tax liabilities.
Liabilities associated with home sale: Sellers are required to sign a warranty deed which guarantees there are no encumbrances on the property, such as title defects, home defects, property liens, or other problems. As a result, you may be subjected to the costs of curing such defects prior to closing. If such defects are found after the sale, the new homeowner may have a claim against you. Additionally, by selling the home in a short sale, any remaining debt owed on the home, including remaining balance of the mortgage, second mortgage, and liens will then be considered unsecured debt. If you are subsequently required to file for Chapter 13 bankruptcy, you may be required to repay more debt to creditors than you originally would have been required if you had not completed the short sale.
Additional liabilities: Many people who are faced with foreclosure typically have a significant amount of other debt problems, such as unpaid credit card bills, unpaid medical bills, unpaid taxes, car repossession concerns, and countless other debt problems. Even if the short sale is successful, they ultimately may need to file for bankruptcy to address these issues. Consulting an experienced lawyer prior to pursuing a short sale can be beneficial in helping understand if the short sale is the best option, or if they should be considering filing for bankruptcy instead.
Main Office
Main Office
807 W Azeele St
Tampa  FL  33606
Phone
  • 813 254 5696
Websites

Other Offices

Satellite Office
125 5th Street South (Wells Fargo Financial Center)
2nd Floor, Suite G
St. Petersburg,  FL  33701
Bankruptcy
The Law Offices of Robert M. Geller, P.A., in Tampa, Florida, helps people who have become involved in one of two types of situations: struggling with seemingly insurmountable debt and recovering from injuries and financial losses after an accident.
Bankruptcy

In our bankruptcy practice, we strive to give clients the necessary information to make wise decisions regarding their financial future. We provide advocacy in bankruptcy court, at bankruptcy hearings and throughout the entirety of the bankruptcy process. We can assist with bankruptcy matters such as:

Foreclosure

Many people experience unexpected events, such as job loss, sudden disability, or other life events that cause them to fall behind on mortgage payments, real estate taxes, and other financial obligations which lead them to be sued for home foreclosure. In a desperate attempt to avoid foreclosure, some people consider pursuing a short sale, selling the home for less than it is worth and repaying the bank only what is recovered in the sale even if it is less than what is owed on the home. Unfortunately, there are many disadvantages to pursuing a short sale, including disadvantages that result in additional liabilities to the debtor.

Robert Geller

Attorneys Robert M. Geller and Frank T. Papa have nearly 30 years combined experience in representation of clients in Chapter 7 and 13 bankruptcy cases, and together they have handled thousands of Chapter 7 and 13 cases. They are members of the Florida Bar, Hillsborough County Bar Association, Tampa Bay Bankruptcy Bar Association and National Association of Consumer Bankruptcy Attorneys. Mr. Geller and Mr. Papa regularly attend national seminars involving consumer bankruptcy issues to stay informed of any changes in the bankruptcy rules and laws.

In addition, attorney Robert M. Geller is a certified specialist in Consumer Bankruptcy Law by the American Board of Certification *. He is also a member of the American Bankruptcy Institute.

Our lawyers are known for the care and concern they show each client. You are not a number at our Tampa, Florida, law firm; rather, you are a person who can benefit from the legal services we provide.

Areas of Practice:
Bankruptcy Law
Personal Injury -- Plaintiff
Criminal Law
Creditor Harassment Cases
Litigation Percentage
75% of Practice Devoted to Litigation
Bar Admissions
Florida, 1986
Education
University of Florida College of Law, Gainesville, Florida

Frank Papa

Associate
Location: Tampa, Florida
Phone:813-217-5663
888-409-9526
Fax: 813-253-3405
EMAIL: fpapa@robertgellerlaw.com

Areas of Practice
Bankruptcy Law
Personal Injury -- Plaintiff
Creditor Harassment Cases
Family Law
Litigation Percentage
75% of Practice Devoted to Litigation
Bar Admissions
Florida, 1998
U.S. District Court Middle District of Florida, 1998
Education
Stetson University College of Law, St. Petersburg, Florida
J.D.
Honors: Honor Roll
University of Florida, Gainesville, FL
B.A. - 1994
Honors: Honor Roll
Honors: Dean's List
Major: English
Professional Associations and Memberships
National Association of Consumer Bankruptcy Attorneys, 2004 - Present
Hillsborough County Bar Association, 1998 - Present
Pro Bono Activities
Representing Bankruptcy Client Thru Bay Area, 2009 - Present
Ask a Lawyer Program, 1998 - 1999
Fraternities/Sororities
Delta Chi

Kristin Scully

Associate
Location: Tampa, Florida
Phone:813-217-5663
888-409-9526
Fax: 813-253-3405
EMAIL: kscully@robertgellerlaw.com

Areas of Practice
Creditor Harassment
Personal Injury - Plaintiff
Family Law
Bar Admissions
Florida
U.S. District Court for the Middle District of Florida
Education
Stetson University College of Law
University of South Florida
B.A. - Criminology
Minor - Psychology

* Nolo has confirmed that every member attorney has a valid license and is in good standing with the state agency that licenses lawyers. Any past disbarments and suspensions (with possible exceptions for minor violations or nonpayment of dues, in our discretion) will be indicated accordingly in the badge. Member attorneys are required to notify Nolo immediately if they become the subject of any disciplinary action by any state licensing agency.

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