Bankruptcy Relief in Florida
Stop collections. Protect your property. Rebuild your credit.
• Years in practice • 5-Star Reviews • Se Habla Español
Why Choose Us
Board-certified/years of focus
Thousands helped
Clear flat pricing
Bilingual team
Services
Two core practice areas designed to protect your future: bankruptcy and personal injury.
Chapter 7
Bankruptcy
Eliminate unsecured debt and get a genuine reset using Florida exemptions.
Chapter 13
Bankruptcy
Protect your home/car with a court-approved 3–5 year repayment plan; catch up on arrears.
Stop
Foreclosure
Use the automatic stay to halt a sale and explore loan mod or plan-based cures.
Wage Garnishment
& Bank Levy
Stop garnishments and levies immediately upon filing; reclaim control of your paycheck.
Repossession
Defense
Prevent or reverse vehicle repossessions; keep essential transportation.
Creditor Harassment
& Lawsuits
End collection calls, lawsuits, and judgments with powerful federal protections.
We have recovered over
$500 Million for Our Clients.
The Process
Frequently asked questions
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How do I know if bankruptcy is the right option?
If you’re using credit to cover essentials, falling behind on minimum payments, facing lawsuits/garnishments, or constantly juggling bills, bankruptcy may provide a clean path forward. The “right” solution depends on your income, assets, types of debt, and goals (like keeping a home or car).
What’s the difference between Chapter 7 and Chapter 13?
Chapter 7 can eliminate many unsecured debts (like credit cards and medical bills) relatively quickly for those who qualify.
Chapter 13 is a court-approved repayment plan (often 3–5 years) that can help you catch up on missed mortgage/car payments and protect assets while paying creditors over time.
Will bankruptcy stop lawsuits, garnishments, and collections?
Typically, yes. Filing usually triggers an automatic stay, which can pause most collection actions like wage garnishments, lawsuits, creditor calls, and bank levies. Some situations require quick action, so timing can matter.
Can bankruptcy stop foreclosure or repossession?
It can — especially if filed before the sale/repo happens. Chapter 13 may allow you to catch up on arrears through a repayment plan, and Chapter 7 may provide temporary breathing room depending on the circumstances. The best option depends on how far along the process is and your long-term plan.
What debts are wiped out in bankruptcy?
Bankruptcy often eliminates unsecured debts like credit cards, personal loans, some judgments, and medical bills. Some debts may not be dischargeable (or may have special rules), such as certain taxes, child support/alimony, and many student loans. A proper review is needed to confirm what’s dischargeable in your situation.
Will I lose my house, car, or savings if I file?
Not necessarily. Many people keep essential assets through exemptions and careful planning. Whether an asset is at risk depends on equity, loan status, and the chapter you file. A good bankruptcy plan is designed to protect what matters most while resolving the debts.
Can I keep my car if I’m making payments?
Often yes, depending on your loan status and the bankruptcy chapter. If you’re current, you may be able to keep the vehicle while continuing payments. If you’re behind, Chapter 13 may help you catch up through the plan. Each lender and case is different.
How long does the bankruptcy process take?
A typical Chapter 7 case may take a few months from filing to discharge. Chapter 13 lasts longer because it includes a repayment plan (commonly 3–5 years). The timeline depends on document readiness, the court schedule, and the complexity of your situation.
What happens to my credit if I file?
Bankruptcy can impact your credit, but many people file because their credit is already being harmed by missed payments, high utilization, and collections. For some, bankruptcy becomes a turning point — allowing them to rebuild with a stable financial foundation. The key is what you do after filing: budgeting, on-time payments, and responsible credit use.
What should I bring to a bankruptcy consultation?
It helps to gather recent pay stubs (if applicable), bank statements, tax returns, a list of debts/creditors, any collection letters or lawsuit paperwork, and basic info on your assets (home/car values, loan balances). Don’t worry if you don’t have everything — you can start with what you have.
Can I file bankruptcy if I’m self-employed or own a small business?
Yes. Many self-employed individuals file Chapter 7 or Chapter 13. Business owners may also have options depending on the business structure, personal guarantees, and goals. The approach should be tailored to protect income streams and stabilize finances.
Is bankruptcy a last resort — or a financial tool?
For many people, it’s a legal tool designed to provide relief and a fresh start. The purpose is not punishment — it’s a structured way to stop the bleeding, resolve overwhelming debt, and move forward with a plan.
Watch Your Options
Chapter 7
Chapter 13
Check Your Eligibility
Past outcomes do not predict or guarantee future results.