Most are discharged, but certain debts are not, including child support, alimony, most student loans, recent tax debts, and debts from fraud or willful injury.
Florida Bankruptcy Attorneys Helping You Keep Your Home
United Law Firm is a trusted Florida bankruptcy law firm helping Florida residents eliminate overwhelming debt while protecting their homes and assets. Our experienced attorneys guide you through Chapter 7 and Chapter 13 bankruptcy using Florida's strong exemption laws.
Stop Creditor Harassment with Florida Bankruptcy
Filing for Florida bankruptcy is a powerful legal tool that gives you a fresh financial start. The moment you file, the court issues an "automatic stay," which is an immediate order that stops all collection activities. This legal protection stops creditors in their tracks and gives you breathing room to get your finances in order.
The automatic stay in a Florida bankruptcy immediately stops:
- Harassing phone calls from creditors and debt collectors.
- Wage garnishment from your paycheck.
- Lawsuits and threats of legal action.
- Foreclosure proceedings on your Florida home.
- Repossession of your car or other property.
Our Florida bankruptcy lawyers can file your case quickly to get you this powerful protection right away.
Which Type of Florida Bankruptcy is Right for You?
The two most common types of Florida bankruptcy for individuals are Chapter 7 and Chapter 13. The best choice for you depends on your income, your assets, and your financial goals.
The automatic stay in a Florida bankruptcy immediately stops:
- Chapter 7 Bankruptcy: This is often called "liquidation" bankruptcy. It is designed to wipe out your unsecured debts, like credit card bills, medical bills, and personal loans, quickly (usually in a few months). Most people who file Chapter 7 in Florida keep all of their property by using Florida's generous exemption laws.
- Chapter 13 Bankruptcy: This is a "reorganization" or "wage-earner's plan." It allows you to create a manageable 3-to-5-year repayment plan to catch up on missed payments. It is an excellent tool to stop a foreclosure and save your Florida home, or to manage debts that cannot be erased in a Chapter 7.
An experienced attorney can review your finances to help you decide which path is best for your situation.
Know Your Rights: The Benefits of Filing for Bankruptcy in Florida
Bankruptcy is a right, not a failure. It is a legal process designed to help honest but unfortunate people get a second chance. Florida law provides specific protections, called "exemptions," that help you protect your property through this process.
Filing for bankruptcy in Florida can help you:
- Get a Debt Discharge: This is a court order that legally eliminates your duty to pay back unsecured debts like credit cards and medical bills.
- Save Your Home: Florida has one of the most protective homestead exemptions in the country, allowing you to protect your primary residence.
- Keep Your Property: Florida exemptions also help you protect your car, wages, retirement accounts, and personal belongings.
- Rebuild Your Credit: After your debts are discharged, you can begin rebuilding your credit score, often faster than you could if you remained buried in debt.
Our experienced Florida bankruptcy attorneys will use every available tool to maximize your relief and protect the assets you've worked hard for.
Why Choose United Law Group?
01.
Proven Experience
We have a track record of helping thousands of Floridians get a fresh start and discharge millions of dollars in debt. We understand the local Florida bankruptcy courts and trustees.
02.
Clear, Upfront Fees
We handle most bankruptcy cases for a flat fee, so you will know the full cost before we start. We offer flexible payment plans to make getting help affordable.
03.
We Know the System
We know the tactics creditors use and the details of the bankruptcy process. We guide you through every step, from the initial filing to your final discharge hearing.
04.
Experienced Legal Counsel
We are not a "petition mill" that just fills out forms. You will work with an experienced Florida bankruptcy attorney who will handle your case personally and fight for the best possible outcome for you and your family.
Schedule Your Free Mass Tort Consultation Today
Mass tort cases demand extensive resources and expertise. We handle everything while you focus on recovery. Your time to file is limited by the Texas statute of limitations.
FAQs
Frequently Asked Questions
Navigating a legal issue can be confusing. Here are quick answers to some of the most common questions we receive.
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Yes. Filing triggers the Automatic Stay, which immediately stops most civil lawsuits and collection actions seeking a money judgment against you.
Yes. All individual filers must complete two courses: Credit Counseling (before filing) and Debtor Education (after filing, to receive discharge).
You can choose to Surrender the property (eliminate the debt), Reaffirm the debt (continue paying to keep it), or, for vehicles, sometimes Redeem it (pay the fair market value in a lump sum).
You can begin immediately. With most debt eliminated, you are positioned to quickly improve your credit score by using secured credit products responsibly.
Yes, but you must live in Florida for 91 days before filing. However, full homestead exemption requires 730 days of residency, recent movers have a $175,750 cap.