Christian Robert PanagakosFlorida Bankruptcy Advisors, P.L.
- Bankruptcy, Foreclosure Defense, Real Estate Law
Our mission is to help people resolve their financial challenges. We do this by listening to our clients' issues and objectives, and developing a legal strategy to best meet those objectives. Legal services include debt-negotiations and restructuring, foreclosure defense, home loan modifications, short sales, deeds-in-lieu of foreclosure, assignments for the benefit of creditors and of course bankruptcy. We utilize Chapter 7, Chapter 11 and Chapter 13 of the Bankruptcy Code and Chapter 727 of Florida Statutes. We represent debtors and creditors, individuals and businesses, and always offer free phone consultations to help people quickly understand their legal rights. As the founder and managing attorney of Florida Bankruptcy Advisors, Mr. Panagakos ensures that all clients are represented to maximize a client's benefits under the law, at fair and transparent pricing. About myself: The early part of my career was spent structuring and negotiating acquisitions and divestitures, overseas joint ventures and direct sales/service contracts as an adviser, employee, officer and/or investor. I've been deeply involved in a number of complex business transactions across many industries and have directly led or contributed to over $300 million in closed transactions. This professional diversity has allowed me to develop a rare mix of seasoned business, financial and legal skills; and to become an experienced and effective negotiator. We hope you will allow us to help you. Christian Panagakos, Esq. Managing Partner, Florida Bankruptcy Advisors, P.L. FL Bar No.: 065579
- Chapter 11 Bankruptcy, Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Debt Relief
- Foreclosure Defense
- Real Estate Law
- Commercial Real Estate, Condominiums, Easements, Eminent Domain, Homeowners Association, Land Use & Zoning, Mortgages, Neighbor Disputes, Residential Real Estate, Water Law
- Free Consultation
- Credit Cards Accepted
Rates, Retainers and Additional Information
File bankruptcy with as little as $500 down.
- 11th Circuit
- Federal Circuit
- University of Florida
- J.D. (1995) | JD/MBA; Finance Undergrad
- Honors: President's Honor Roll; All Degrees with Honors
- ESADE Business School
- MBA (1995)
- Broward County Bar Association
- Bankruptcy Bar Association
- Federal Bar in the Southern District of Florida
- Florida State Bar  # 65579
- - Current
- Florida State Bar
- Q. When filing bankruptcy, do you stop making credit card payments after finalizing of branruptcy or when you file?
- A: There are pros and cons to continuing to make credit card payments leading up to a bankruptcy. On the pro side, since you are current on all cards, your credit score will likely not drop as much as it would if you go into default status on the cards for a few months. On the con side, you are paying dollars towards a debt that will likely be discharged in your bankruptcy. Assuming you would otherwise be able to retain those dollars through your bankruptcy exemptions, then you are losing money that you would otherwise be able to keep. Moreover, "preference" issues could arise by paying creditors more than their pro-rata share prior to a bankruptcy filing, which the trustee could try to avoid (i.e., reverse).
- Q. Chapter 20 bankruptcy an option?
- A: A subsequent Chapter 13 filing (hence your "Chapter 20") could allow you to pay off the unsecured debt you incurred after the time that you filed your Chapter 7 petition over as much as 60 months at 0% interest (but trustee fees). A Chapter 13 discharge will not be available to you unless filed at least four years after the filing date of your initial Chapter 7.
- Q. I elected for a motion to redeem my auto. Can i still trade in the car since I won't owe on it either way?
- A: You would be better off surrendering your vehicle. By trading in your car, you will be inheriting the remaining secured debt on the loan in the new loan you take out on the new car.
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