Frank Thomas Papa

I can only say good things about Frank T. Papa, the Attorney who represented me, as well as the office staff I worked with. A few years ago, things were mostly going my way, I had a good paying job, had purchased a late model vehicle and was starting to make big plans. In the middle of 2016, ...I got laid off, ended up with a full time job and a part time job just to survive, and very late 2016 became a care taker of my elderly father as well when his wife passed away. Several months into 2017 I found myself with a job that paid hundreds less than I needed to break even and was busy enough with the job, my father, and looking for a better paying job weekends as well. That’s when I tapped into credit cards as a dead last resort, and between cash advances and basic bills and groceries and paying one card with another, started to go further and further in debt from around the middle of 2017 to around the middle of 2018 and approached 20K by the time I filed for bankruptcy. When not sending out resumes, I was looking into credit card refinance programs, and most of those programs actually turned me down with my plummeting credit score, even though they had sent me mail. I had done my research on debt consolidation/negotiation and realized that those were mostly scams, not always effective, and plus you just end up owing the IRS if you go this route. Based on my situation of not owning property, not making a lot of money and having no real money or assets to speak of and no inheritance or nice things coming my way – chapter 7: full discharge of debt made perfect sense! I knew I had to take this route after meeting with Frank in August, even though I waited until October – but wished I had just done it in August! Timing is very important in bankruptcy, and it’s important to do it BEFORE you start making a decent living again, otherwise you may not be able to do it! The Attorneys art this firm are very knowledgeable about the process and the ins and outs of the way things happen or can happen if you have, say, a car note with a small credit union vs a large bank. I am so glad I went with a nolo.com selected firm and not with what legalzoom had to say. Chapter 7 is something you can do only once every 8 years, and it can be a very handy silver bullet in a tough situation like the one I was in. And don’t worry about the stigma: a million Americans filed for bankruptcy last year! I have found myself gradually admitting to more people I know what I went through, and so far everyone has been quite understanding. Even when I first reached out I was mailed a parcel in the mail a few days later with tons and tons of information about Bankruptcy which I found extremely informative. There are hundreds if not thousands of other law firms in Tampa Bay, but when it comes to bankruptcy, this is the firm I am going to recommend to anyone in financial trouble right here in the Tampa Bay area. --Benjamin from Syracuse

Frank Papa was a blessing. He calmed my wife's nerves and made us realize that bankruptcy is a normal legal process designed to help individuals with no other options. He was kind, direct and professional and went over all of our options and gave us great advice and opinions. We were very hesitant... to even talk to someone because of our public careers and he assured us of the facts concerning our situation. He was the third lawyer we consulted with and by far the most professional and knowledgeable and then one who actually seemed to care about our circumstances. We are very pleased with the outcome and will always recommend him to anyone in a similar predicament.

Frank Papa helped our family through a very difficult time. He assisted us through our bankruptcy NEVER making us feel like we our situation was a failure! He was professional, kind, caring and so helpful with every step of the way! I knew from day one Frank was going to do everything he could to ass...ist our family and help us get our life back on track and he did just that! If you need a lawyer who is super knowledgeable and knows how to treat his clients he is the one to help you! He made the process so easy and smooth and his office staff was great too! Cannot say enough! Thank you to Frank Papa for everything!

I hired Frank Papa after reviewing several other attorneys to help me through the scary task of filing bankruptcy. It was relatively quick and painless with his guidance and knowledge of the process. A year later I hired Mr. Papa again to help with another legal matter that came up and he was great, ...navigating and negotiating an unexpected settlement in my favor. He is my "go-to" attorney for anything that comes up for me. His office is pleasant, the staff is always friendly and helpful. I am very satisfied with services and highly recommend him.

Attorney Frank Papa went above and beyond my expectations. My husband and I were effected financially when the market plummeted. I was laid off and work got really slow for him. For years we were harassed and hastled by creditors because we couldn't afford to pay them. After I finally found a job my ...husband and I received a notice that our drivers license had been suspended by one of our creditors and I was in jeopardy of losing my new job because of it. Due to the quick action of Attorney Papa we had our license reinstated in less than 48 hours and I was able to keep my new job. We also received an unlawful eviction that went as far as being served a 24 hour notice to vacate. Attorney Papa stopped the eviction and saved my family from being homeless. Words cannot express my gratitude toward Attorney Frank Papa and the level of service provided to me and my family. We believe he is the best Bankruptcy lawyer anyone could ask for! Mae E. ..