Florida Bankruptcy Resources

Not sure where to start? Use this form to contact an experienced Bankruptcy Lawyer. They will provide a free consultation and assist you with choosing the right path for Bankruptcy.

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Bauman Law Group

111 2nd Avenue NE Suite 900 - St Petersburg, FL 33701

727-456-6475

Bowin Law Firm

Melbourne Bankruptcy Attorney and Foreclosure Defense Attorney

932 S. Wickham Road - West Melbourne, FL 32904

(321) 821-7440

Christie D. Arkovich P.A.

1520 West Clevelnad Street - Tampa, FL 33606

813-258-2808

First National Law Center

We're here to help

12555 Biscayne Blvd. Suite 401 - Miami, FL 33181

(954)626-3120

Fisher & Frommer, PLLC

Central Florida Law Firm, Offices in Tampa and Orlando

270 Waymont Court Suite 110 - Lake Mary, FL 32746

(407) 330-9664

Hagen & Hagen, P.A.

Don't pay it, discharge it.

3531 Griffin Road - Ft. Lauderdale, FL 33312

954-987-0515

Articles Written

Law Office of J.A. Hayes, P.A.

Your attorney for honest straight forward answers and representation

12956 N. Dale Mabry Hwy - Tampa, FL 33618

813-265-2119

Law Offices of Anthony Vamvas

We are different. Call us today to set up a FREE consultation.

4700 Millenia Blvd, Ste 175 - Orlando, FL 32839

407-210-3946

Articles Written

Law Offices of David Kovari, P.A.

NO MORE CREDIT CARD DEBT, NO MORE MORTGAGE DEBT. It CAN happen for YOU!!

2295 NW Corporate Boulevard Suite 117 - Boca Raton, FL 33431

561-417-8767

Law Offices of Robert Higgins

112 Goliad Street - Benbrook, TX 76126

386-677-9450

Matthew Mazur, P.A.

Most People Who File For Protection Of The Bankruptcy Court Are Victims Of Circumstance

2655 South LeJeune Road Suite 500 - Coral Gables, FL 33134

(305) 779-4805

Sentinel Law, P.A.

Not just a client ... you are our priority

4651 Salisbury Rd, 4th Floor - Jacksonville, FL 32256

877-663-6380

Articles Written

The Gilmore Law Firm, P.A.

120 Benning Drive Suite 1 - Destin, FL 32541

(850) 650-0546

The Law Offices of Andres Montejo, Esq.

Are you afraid of answering the phone?

6187 NW 167 St. STE H-36 - Miami, FL 33015

786-377-3954

Articles Written

Tiller Law

Call Tiller Law today for your free consultation.

301 Clematis Street - West Palm Beach, FL 33410

888.332.8980

Wendy Anderson, P.A.

1353 Palmetto Avenue Suite 200 - Winter Park , FL 32789

407-628-9081

Considering Filing Bankruptcy in Florida?

The Florida Economic Situation

Recently the Wall Street Journal published a summary chart depicting each state’s 2008 performance in (1) GDP, (2) home prices and (3) jobs, and Florida ranked worst over-all with respect to the three components. Bankruptcies filed in 2008 hit record levels with nearly 68,000 in Florida alone, and over 94% of those filed by consumers. It is estimated that 1.4 million consumer bankruptcies will be filed in the U.S. in 2009, the surge triggered by the foreclosure crisis and economic downturn.

Investigating the Florida Bankruptcy Process

The Federal Bankruptcy Law involves processes, procedures and evaluations which can be complex and confusing, including major revisions made in 2005. Seek the advice of an attorney/law firm with specific long-term experience in Florida bankruptcy matters. Check references, if possible. A competent attorney will help you weigh your different options, make informed decisions, help you protect the security of your family and reduce your stress, while facing the realities of the situation.

Alternatives to Florida Bankruptcy

Contact your creditors to try to work out payment arrangements that you can manage. Contact the non-profit Consumer Credit Counseling service to get help with a manageable repayment plan. Sell as many assets as you can and pay down your debt to a manageable level. Debt consolidation may be considered, but approach this option with caution to make sure it actually helps your situation.

The Most Common Consumer Bankruptcy Choice in Florida

Chapter 7 is the “fresh start” chapter of the Bankruptcy Code and most commonly used. This filing results in a fair distribution of your available nonexempt property to creditors. Unsecured debts are generally discharged. Included in this process is a “means test”, used to determine your ability to pay your creditors, verifying whether Chapter 7 is appropriate or indicating that you should be filing Chapter 13. Median Family Income by Family Size and current poverty guidelines are factors evaluated when determining appropriate filing status for a given situation.

Some Debts Will Not Be Discharged in Your Florida Bankruptcy:

  • Taxes owed to government agencies, such as the I.R.S., State of Florida, County, etc.
  • Student loans (unless undue hardship can be proved),
  • Debts incurred after the bankruptcy is filed
  • Debts owed to a spouse for divorce-related obligatory expenses
  • Debts not listed or scheduled or which the debtor waived discharge
  • Debts for willful and malicious injury by the debtor to another person or property owned by another

Next Steps for the Florida Bankruptcy Filer

Floridians continue to suffer, as the State’s economy struggles to recover. If you are considering bankruptcy, decisions you make and actions you take can have a positive or negative effect on the outcome of your bankruptcy proceedings. Although some filers elect to handle their bankruptcy on their own, The U.S. Bankruptcy Court warns that “Bankruptcy has long-term financial and legal consequences - hiring a competent attorney is strongly recommended.” Click here to find Florida attorney resources in your area.

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