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Florida Bankruptcy Explained

Are you overwhelmed by your debt? Does making your payments every month feel like a juggling routine where you always drop a ball or two?

The anxiety caused by carrying a suffocating amount of debt can harm more than your credit score — it can hurt your family, your quality of life, and your health. When you can't pay your bills, it feels like all you have time to do is worry.

A DebtStoppers debt relief plan can eliminate your stress and put you on a path to financial freedom. We've helped folks throughout South Florida get the debt relief they need, and we can help you too. Call or text us today at 786-420-4545 to request a complimentary personal debt evaluation with one of our skilled Florida bankruptcy attorneys.

How Does Bankruptcy Work in Florida?

Before you can file for bankruptcy in Florida, you'll have to meet specific requirements. First, the laws require you to complete credit counseling with a qualified debt counselor. You will also have to attend financial management or debtor education classes. Your DebtStoppers attorney can make all of the arrangements.

Once you are ready to file, your lawyer will submit a petition to the nearest court. Depending on the type of bankruptcy you choose, you'll either eliminate your debts or restructure them into an affordable payment plan.

What Are the Types of Bankruptcy You Can Use?

In Florida, you can choose between Chapter 7 and Chapter 13 bankruptcies. Chapter 7 quickly and legally wipes out your debts and lets you start over with a clean slate. While a trustee will be allowed to liquidate some of your possession to reimburse creditors, in our experience, DebtStoppers clients usually keep most — if not all — of what they own.

Chapter 13, on the other hand, permits you to reduce and reorganize your debts into a 3-to-5-year repayment plan. Instead of paying each of your creditors individually, you'll make one reasonable payment a month to a court-appointed trustee. As long as you stick to your payment plan, you'll protect your assets from liquidation.

Where To File?

Bankruptcy courts in Florida are located in 14 cities within 3 districts. These locations include:

  • Northern District
    • Pensacola
    • Tallahassee
    • Gainesville
    • Panama City
  • Middle District
    • Orlando
    • Tampa
    • Jacksonville
    • Fort Myers
    • Ocala
  • Southern District
    • Miami
    • Fort Lauderdale
    • West Palm Beach
    • Key West
    • Fort Pierce

DebtStoppers practices in the Southern District of Florida, but you'll file your petition in the court nearest to you.

The Benefits

As soon as you file for bankruptcy, the court will grant you an automatic stay. This is a court order that prohibits your creditors from collections activities such as:

  • Foreclosing on your home
  • Repossessing your car
  • Garnishing your wages
  • Filing a lawsuit against you
  • Contacting you at all!

Filing for bankruptcy in Florida can give you the debt relief you and your family so desperately need. You can stop agonizing over how you will pay your bills or if you will lose your home and start enjoying life again.

Ask Our Dedicated Attorneys for Additional Help

A custom DebtStoppers bankruptcy plan can set you free from financial anxiety and let your family move on with life. The first step is to call or text DebtStoppers today at 786-420-4545 to request a free one-on-one bankruptcy consultation with one of our experienced Florida lawyers.

Life is too short to spend yours worrying about your debts. Call or text today at 786-420-4545 to schedule a free one-on-one debt analysis with one of our qualified Florida lawyers. We can get you started down the road to freedom.