Florida Bankruptcy Attorneys
Florida Chapter 7 Bankruptcy Attorneys
Eliminate overwhelming debt in 3–4 months. Most clients keep their home, car, and retirement accounts. Call now for a free consultation.
What Is Chapter 7 Bankruptcy?
Chapter 7 bankruptcy — sometimes called "liquidation bankruptcy" — is a federal legal process that eliminates most unsecured debts. Once your case is filed, an automatic stay immediately stops all creditor calls, lawsuits, and wage garnishments. Within 3 to 4 months, your eligible debts are permanently discharged. You get a clean financial slate.
Who Qualifies for Chapter 7 in Florida?
To file Chapter 7, you must pass the Florida Means Test, which compares your average monthly income over the past 6 months to the Florida median income for your household size. If your income is below the median, you qualify automatically. If it's above, we calculate your disposable income after allowed expenses — many higher-income filers still qualify. We run this analysis for free during your consultation.
What Debts Does Chapter 7 Eliminate?
Debts That Are Eliminated
- Credit card balances
- Medical and hospital bills
- Personal loans and payday loans
- Utility arrears
- Certain older income tax debts
- Deficiency balances after repossession
Debts That Are NOT Eliminated
- Student loans (in most cases)
- Child support and alimony
- Recent tax debts (within 3 years)
- Debts from fraud or willful misconduct
Will I Lose My Home or Car?
Probably not. Florida has some of the strongest bankruptcy exemptions in the country. Your primary residence is protected by the Florida Homestead Exemption — there is no dollar cap. One vehicle up to $1,000 in equity is protected. Retirement accounts (401k, IRA, pension) are fully exempt. Most Chapter 7 filers in Florida are "no-asset" cases, meaning they keep everything they own.
The Chapter 7 Process: Step by Step
Free Consultation
We review your debts, income, and assets. We run the means test and tell you honestly whether Chapter 7 is right for you — at no cost.
Prepare & File
We gather your financial documents, prepare your petition, and file with the bankruptcy court. The automatic stay takes effect immediately upon filing.
Creditors Meeting
About 30 days after filing, you attend a brief meeting with the bankruptcy trustee (typically 5–10 minutes). We prepare you fully and attend with you.
Discharge
Approximately 60 days after the creditors meeting, the court issues your discharge order. Your eligible debts are permanently eliminated.
Ready to get started?
Same-day callbacks available. Free, confidential consultation.
Frequently Asked Questions
Ready to Eliminate Your Debt?
Call now for a free, confidential Chapter 7 consultation. We'll tell you exactly what you qualify for and what to expect — no pressure, no obligation.