Written By: Attorney Robert Stiberman
Updated October 23, 2022
Our firm is owned and led by Robert Stiberman, a top rated bankruptcy attorney based in Hollywood, Florida. The Stiberman Law team is comprised of experienced bankruptcy lawyers throughout Southern Florida. We help clients with declaring bankruptcy, fighting wage garnishment lawsuits, debt consolidation, foreclosure defense, and more.
If you are experiencing a financial setback that is hindering your ability to pay your bills or feel overwhelmed with multiple types of debt, filing for Bankruptcy could help you. Our attorneys are trained to help people just like you develop a plan to deal with a variety of debt and rebuild their lives, finances and businesses.
Filing bankruptcy imposes the automatic stay on most legal actions including wage garnishment, lawsuits, and foreclosure proceedings. There may be situations where you may be in need of quick action which can result in saving your home or protecting your hard earned wages from garnishment. At Stiberman Law we have the resources to file an emergency bankruptcy the same you retain our services and sometimes within hours.
An emergency filing can be in the form or a complete filing or a skeletal filing – which is filed with minimal paperwork. We have saved many homes from foreclosure sometimes filing the emergency bankruptcy the day before the foreclosure sale.
Robert A. Stiberman is a trusted attorney with over 22 years of experience in bankruptcy law, with a passion for leading his team to provide financial success to clients.Things that set us apart:
Things that set us apart:
The process of filing bankruptcy in Florida can be a challenging process. Beyond the current internal stress you are experiencing, there is legal paperwork and time sensitive tasks to complete. This is why our team is always up to date on current processes, bankruptcy law, and focused on making your experience easy. So easy you can start today! .
A good bankruptcy lawyer will be able to help you understand your options and recommend if bankruptcy is right for you and which chapter you should file. Filing for bankruptcy in Florida requires completing more than 80 pages of forms. A Florida bankruptcy attorney understands bankruptcy Florida laws. An improper filing can result i a dismissal of your case and loss of property. An attorney can help assess your finances to determine whether another option is a good option. And if bankruptcy is the way to go, your lawyer will tell you whether you are eligible and will handle everything from start to finish.
We aren’t here to judge. Our team of bankruptcy experts know that families fall into hard times for a variety of reasons. We’re here to help you choose the best options to accomplish your goals. We’ve helped hundreds of other families free themselves of burdensome debt. Isn’t it time to find a solution that gives you and your family the financial future you deserve? You don’t have to figure this out on your own. Stiberman Law is here to help with all of the heavy lifting. A bankrupty attorney will explain the entire bankruptcy process.
You need someone in your corner that understands all of the legal avenues for dealing with overwhelming debt. We have extensive experience handling Chapter 7, 11 and 13 bankruptcies in Florida. If your home is at risk of foreclosure, we can stop the bank their tracks. We can also help you better manage your student loan debt. In most cases student loan debt cannot be discharged in bankruptcy. However, our dedication to helping families prosper means that we’ve developed unique strategies to help you manage all of your debt.
Are collection agencies blowing up your phone? Is your mailbox full of past due notices and threatening letters? We know that struggling with debt can negatively impact every facet of your life. The leading cause of divorce in Florida is financial difficulties. You don’t need this in your life. You need to speak with a compassionate team of Florida debt consolidation experts. Our local experience means that we can relate to exactly where you’re coming from. We understand the process inside and out. Let’s work together to kick burdensome debt to the curb. A bankrupcy attorney will explain the bankruptcy process to you.
You bankruptcy matters and there are many lawyers. Filing for bankruptcy in Florida requires an attorney who understands FL bankruptcy laws. The bankruptcy practice of the bankruptcy lawyer must be well established. It may appear obvious, but attorney knowledge is important in your case. According to Stiberman, a lawyer should actively practice bankruptcy in your location or near where you live and must have at least five years of experience. A bankruptcy lawyer who doesn’t normally practice in your jurisdiction may not understand the specific requirements of your bankruptcy court and may encounter unnecessary problems.
Bankruptcy relief does not have to be expensive. As you can imagine, most of our clients are struggling financially and facing creditor harassment. Ask about the attorney fees involved and the fee structure. You bankruptcy case matters and legal help is available.
A lot of bankruptcy attorneys are available for free consultations, so this is the perfect way to get the right attorney for you. It is essential to prepare well before going into the conference. Let’s see if you can ask questions that can assist you in finding the right lawyer for you.
The cost of hiring bankruptcy lawyers depends on several factors. The legal services that he or she provides are also included. The average hourly fee for a bankruptcy lawyer within the United States is anywhere from $200 to $400 per hour. However, most bankruptcy attorneys in Florida charge a flat fee for their service. Depending on where you file in Florida your Chapter 7 fee may range from $900 to $2000. Many attorney fees can be paid over time with affordable payment plans.
Bankruptcy is a legal process to assist individuals and businesses who can no longer pay their debts Bankruptcy is regulated by the Federal Rules of Bankruptcy Procedure and local court rules. The main parties in a bankruptcy are the Debtor, the bankruptcy Trustee who administers the case, creditors, and the bankruptcy judge. The bankruptcy trustee handles most aspects of your case and you will rarely see a bankruptcy judge.
There are six different types of bankruptcies, Chapter 7, Chapter 9, Chapter 11, Chapter 12, Chapter 13, and Chapter 15, with chapter 7 being the most commonly filed.
The Chapter 7 process usually takes about four months from start to finish. Chapter 7 is referred to as a liquidation bankruptcy because your non-exempt assets are liquidated to pay of your creditors. The key word here is “non-exempt”. Florida has some of the strongest exemptions or protections to assets available to people filing for bankruptcy in the country. Since you may not want to lose any property, understanding exemption law is very important. During a fee consultation our experienced bankruptcy lawyer will explain exemptions in detail and if filing chapter 7 bankruptcy is right for you.
Chapter 11 bankruptcy is a form of bankruptcy where the debtor, which can be a business or an individual, seeks to resolve its debts through a plan of reorganization. Chapter 11’s are typically complex bankruptcy’s usually filed by high net worth individuals who are not eligible for chapter 7 or chapter 13 bankruptcy and by businesses seeking to resolve their debts and continue business operations.
Chapter 13 is commonly referred to as a wage earners bankruptcy. It involves a three to five year period where the individual consumers apply their disposable income towards their debts. Chapter 13 is a powerful tool used by thousands of individuals to eliminate debts without losing any of their property, vehicles, etc.
Both consumers and business entities can file for bankruptcy. Bankruptcies aren’t uncommon; As of June 30, 2022, 380,634 bankruptcy cases were filed in the US. The majority were individuals totaling 367,886. Business filings totaled 12,748. Source United States Courts.
Bankruptcy is not a magical solution and it can have serious consequences including the loss of property. A bankruptcy attorney attorney is the best resource when seeking to file for bankruptcy.
When considering filing bankruptcy, take a deep look at your financial situation and see if you can comfortably pay your bills and make ends meet. Consult your bankruptcy lawyer for guidance. When deciding whether or not to go bankrupt, there are a few warning signs. If you start receiving collection calls or have many delinquent accounts, or your wages are about to be garnished, it might be worth considering bankruptcy.
The bankruptcy process begins with gathering all the requisite information to complete the bankruptcy forms and completing a credit counseling course from an approved agency. Once the bankruptcy petition and related schedules are signed, you will have to file them with the court and pay the court filing fee. If you cannot afford the full filing fee, you can apply to pay the fee in installments or seek to waive the fee.
After your case is filed you will have to attend a meeting of creditors where you bankruptcy trustee will ask you questions about your case. Creditors will also have an opportunity to ask a few questions, but they rarely appear. Prior to obtaining your discharge you will have to complete a financial management course also by an approved provider.
Generally speaking, the filing fee depends on the Chapter you have.
Chapter 7 Filing Fee in Florida is $338.00
Chapter 13 Filing Fee in Florida is $313.00
Chapter 11 Filing Fee in Florida is $1,738.00
Chapter 12 Filing Fee in Florida is $278.00
The aim of filing bankruptcy is the discharge of your debts. Once your debts are discharged you are no longer legally responsible to pay them back and can begin improving your finances and rebuild your financial future. As you would imagine credit card debt, medical bills, personal loans, civil judgments, vehicle repossessions, and deficiency judgments are dischargeable.
It gets a little tricky when dealing with secured debt vs unsecured debt. Secured debt includes car loans and mortgages. If it is your intent to keep your car or home, you must keep making the payment seven if you file for bankruptcy. The bankruptcy law office of Stiberman Law will discuss your legal issues and provide free legal advice.
As you may have heard, the purpose of bankruptcy is to give you a fresh start. Although, it is possible to erase a huge amount of debt through bankruptcy, filing for bankruptcy will not relieve you of alimony and child support responsibilities, marital settlement obligations, student loans, and most IRS debt. Additionally, you will remain responsible for other debts including debts for injuries and deaths related to drunk driving, a fine or penalty in connection with violations of statutory laws such as traffic ticketing and criminal forfeiture, and debt resulting from your credit report lying or fraud.
Bankruptcy legislation is complex, so you may want to contact an experienced bankruptcy attorney. It is not advisable to select just anyone for your case. Former client referrals are ideal but if you don’t have anyone to refer you to a bankruptcy lawyer, an online search for a bankruptcy lawyer in your area is a good start. Additionally, try reaching out to your local bar association for help. If you cannot afford an attorney, you may want to reach out to a local legal aid organization for assistance.
Hiring a bankruptcy attorney may not always be necessary. If you have the financial means to settle your debts you may be able to contact your creditors directly or work with debt settlement companies. Make you you understand how much you will be paying monthly and if debt settlement will resolve all of your debts or only a portion.
Here’s what sets us apart:
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Filing bankruptcy requires complying with federal law, the Federal Rules of Bankruptcy Procedure, and local bankruptcy court rules. The legal professionals at Stiberman Law can assist you during this difficult process and provide you with sound legal guidance to avoid any pitfalls and achieve the best possible outcome. The Stiberman Law bankruptcy law firm knows how to file bankruptcy. They will evaluate your financial information in an effort to determine the most suitable option. We’ll also explain if bankruptcy is right for you and what is involved from start to finish. Not all law firms are the same.
Robert Stiberman is a top rated Bankruptcy attorney serving Miami Dade, Fort Lauderdale Broward, and Palm Beach counties in Florida. Find out how to file for Bankruptcy, how much does Bankruptcy costs, including $0 down bankruptcies and whether Chapter 7 or 13 is right for you. We’ll evaluate if you pass the means test as well as the differences between Chapter 7 and Chapter 13 Bankruptcy. Life doesn’t always go according to plan. We understand how easy it is to get in over your head. It’s not the end of the world. Bankruptcy might be your best option. Many of our clients were in the same situation. We were able to provide them with the financial planning and legal assistance they needed to dig out and get on with their life. It will get better.
Eliminate the debt that you owe. Protect your most important assets. Pause all collection efforts.
It’s not just for big corporations. Handle complex financial obligations. Create a plan that works for you.
Settle all of your debt within 3-5 years. Leverage your future income to eliminate your past debts.
Find a solution that works for your family and your creditors. We can help you renegotiate your debts.
Don’t let the bank take your home. Reset missed mortgage payments or get more time to find a better fit.
You may not have to file for Bankruptcy. We can help you explore and understand all the options available to you. If you decide to file for bankruptcy in Hollywood, we will help you through the entire process.
Find out how to file for Florida Bankruptcy, how much does Bankruptcy costs, including $0 down bankruptcies and whether Chapter 7 or 13 is right for you. We’ll evaluate if you pass the means test as well as the differences between Chapter 7 and Chapter 13 Bankruptcy.
“Best bankruptcy attorney! I came to meet with Robert after a good friend of mine recommended him to me and I’m very happy with the representation and service from this office. From the first moment I met with Robert, he listened to my situation and fully explained to me how bankruptcy could help me to finally get rid of the burden of all my debt. I was unemployed for almost a year during COVID and lived off my credit cards but after going back to work it seemed impossible to pay back my debt. Robert guided me and prepared me for Court and I knew I was in the best hands with him and his office. Overall outstanding work, always communicated with me and my case went just as I expected it. Thank you Stiberman Law!!”
If you’re considering bankruptcy, contact us. We will take the time to explain your options so that you can make the right choice for you and your family.
We understand that your situation has already caused you enough stress. This is why we train our staff on a daily basis to assist you in the following:
Your Bankruptcy is driven by documentation. We will handle every aspect of what the court requires to prepare your bankruptcy documentation.
You may be required to provide tax returns to the Bankruptcy court. We know tax transcripts are often misplaced, lost and usually a pain to reproduce.
There is a possibility that you may have several court hearings depending on how complicated your case may be. We have the resources to attend all court hearings.
Obtaining an accurate credit report is essential to your bankruptcy. Any creditors that are missed can cost you additional fees to add after the initial filing.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.Stiberman Law, P.A. 954-922-2283. We are a debt relief agency.
“Through my many years of practicing bankruptcy law, I’ve seen just how stressful, both emotionally and financially getting out of debt can be. My law firm was started to help you and your family navigate the complexities of the bankruptcy code and achieve the freedom you deserve”.
I came to Robert’s office less than 3 months ago ready to give it one last try at saving my house. The bank had denied me several times for a modification, and I was at the brink of having my home of 10 years foreclosed. Robert advised me that as a result of my new job I would be able to reapply for a loan modification since in the past the bank had denied me because I didn’t have enough income. I felt so comfortable in the way he fully explained the process an...
We had a wonderful experience. We were very well instructed of what we were doing and every part of our bankruptcy process. Attorney Stiberman was very calm and collected, knew exactly what he was supposed to do and that put us at ease when we had to go to court. We had had terrible experiences with attorneys in the past but this was completely different experience. I highly recommend this office and I’m so thankful for their help! We are Finally debt free
I was referred by a friend who had used their services before. I met with Robert at his office and had a list of questions for him. I wanted to know about Chapter 11 and 7. Robert greeted me asked me a few questions to evaluate my case, went through all my questions and gave me his recommendation. I had met with other attorneys but none of them had the patience to sit down with me and explain the bankruptcy process. We also discussed alternatives to Bankruptcy and ...
It’s a great feeling to be debt free & have my house!!. Not all attorneys are created equal and now that I’m almost done, I’m happy to share my experience! I came to Robert’s office after my own mother was trying to foreclose and take away my home. I thought I had no way out since I had gone to other attorneys who didn’t help me get out of the mess I was in. But Robert reviewed my case and told me Chapter 13 Bankruptcy was the best way to make sure I ...
When I first called Stiberman Law office i was in a lot of debt. From the beginning they gave me confidence that i could get back on my feet financially and I DID !!! I went through a chapter 7 and my process was very smooth. They were always in constant communication with me and are very professional in all aspects. I would recommend this law firm to anyone considering filing for bankruptcy and feel helpless as i did. 100% recommended.
Stiberman Law Firm
We represent clients throughout South Florida.
If you’re considering Bankruptcy, contact us. An experienced Florida Bankruptcy lawyer at Stiberman Law can speak with you today about your situation and can discuss your options with you. The consultation is completely free.
Bankruptcy is an important tool available to people in Florida that are struggling with debt. Many people end up in debt due to expensive medical bills or accidents. The U.S. government created federal bankruptcy courts to provide borrowers and lenders with a way to resolve financial challenges.
There are multiple types of bankruptcy. They’re referred to by their corresponding Chapter in the U.S. Bankruptcy Code.
Filing for bankruptcy in Florida is a difficult decision to make. It means that you are experiencing extreme financial difficulties and you do not believe you are capable of paying off everything you owe without some relief.
Many people in Florida find themselves declaring bankruptcy due to medical bills or a business failure. A major illness should not mean that you are financially destitute for the remainder of your life. If your company runs into difficult times, you need a strategy to be able to rebuild and achieve financial security for your family.
If filing for bankruptcy is an option you’d like to explore, we invite you to contact the Florida bankruptcy experts at Stiberman Law. Our compassionate team is here to support you in understanding your options and executing a plan to help you reset your finances.
Every individual and corporation in the United States has access to the bankruptcy court. Chapter 7 bankruptcy is available to individuals that pass a two-part means test. This test looks at your income in relation to the size of your family and the total debts that you owe.
Chapter 11 bankruptcy is typically used by companies in Florida to restructure their debt. Individuals in Florida may be eligible to file for Chapter 11 in Florida if their secured and unsecured debts exceed the limits set forth for a Chapter 13 filing, and they wish to reorganize their debts instead of liquidating them in a Chapter 7 filing.
Chapter 13 bankruptcy is available to established Florida residents that have a level of regular income that will allow them to make payments towards their debts. Their total unsecured debt must be lower than $383,175. Their total secured debt must be lower than $1,149,525.
A bankruptcy attorney is a licensed attorney admitted and permitted to practice in Federal Court in the district where the Bankruptcy is filed. A bankruptcy lawyer can represent Debtors and Creditors in Consumer and Business Bankruptcies.
A bankruptcy attorney will advise a client on the advantages and disadvantages of filing bankruptcy and whether Bankruptcy is recommended based on the Clients particular situation. Your bankruptcy attorney will discuss the different types of bankruptcy and a recommendation as to which Chapter is best. A bankruptcy attorney will review a client’s financial information including assets and liabilities and prepare and file the bankruptcy petition and schedules. Usually within 30 days of filing, your Bankruptcy attorney will accompany you, the Debtor, to the section 341 meeting of Creditors, and attend necessary court hearings.
A bankruptcy lawyer will discuss your financial situation, your goals, and help you determine the best course of action. You will be provided a list of required bankruptcy paperwork, information on required credit counseling courses, and other requirements based on your particulars. The bankruptcy attorney will conduct a Means Test to determine whether you have disposable income to pay your debts, prepare you Bankruptcy petition and schedules, answer any questions you may have, and file your Bankruptcy petition. After the case is filed, the Bankruptcy attorney will attend (with you) the section 341 Meeting of Creditors, attend required court hearings, and represent you throughout your case. Please note that is not an exhaustive list of services provided but rather a summary.
Experience matters as with any field of law. Bankruptcy has its unique set of rules and procedures which must be adhered to avoid costly financial mistakes and procedural pitfalls. Filing for Bankruptcy requires listing all your assets and all of your debts, which exemptions you intend to use to protect those assets, and how you are seeking to deal with the Debt. A Bankruptcy attorney can help you navigate the complexities of bankruptcy including what protections or exemptions may be available to protect your property and how to deal with debt secured by an asset. In addition, a bankruptcy attorney will advise of ongoing requirements and file all required paperwork in accordance with court guidelines to avoid an a dismissal of your case.
Most Bankruptcy attorneys offer an initial free consultation to discuss your situation as well as any fees and costs involved. Since most people seeking bankruptcy assistance are in financial distress, at Stiberman Law our fees are reasonable, we offer payment plans where possible as well as no money down bankruptcies. Chapter 7 Bankruptcy attorney fees in South Florida range from $1000 to $3500 depending on the complexity of the case. Chapter 13 Bankruptcy attorney fees are typically paid in the bankruptcy plan.
In consumer cases the short answer is that you are not obligated to have an attorney to file for Bankruptcy. A bankruptcy attorney is recommended to advice and guide you throughout the bankruptcy and help you avoid costly financial pitfalls, including the possible loss of assets.
In many instances you can file for Bankruptcy with no money down. Since most people seeking bankruptcy assistance are in financial distress, at Stiberman Law we offer no money down bankruptcies where possible as well as payment plans.
Florida is one of the best states to file for Bankruptcy due to its strong laws protecting consumers and assets. Even though Bankruptcy is Federal Law, Florida law applies when it comes to exemptions or protections. One of the most important exemptions is the Florida homestead exemption which protects a Debtor’s primary residence from creditors where the Debtor has lived in Florida for more than 3 years and has owned the property for at least 1215 days prior to the Bankruptcy filing.
A local Bankruptcy attorney who practices in your jurisdiction in Florida will be familiar with Local Rules. This will assist avoiding cases being dismissed for improper processes or failure to follow local guidelines. You always want to step into court with your best foot forward. An experienced local bankruptcy attorney will have a better grasp of the local requirements.
At Stiberman Law, we have worked hard for our clients to become one of the best bankruptcy attorneys in your area.
To find the best bankruptcy lawyers start with referrals whenever possible and then perform an online search for attorneys that practice in your area. Check out their reviews online and schedule a free consultation to discuss your matter.
You can keep your house if you file for bankruptcy and properly claim the homestead exemption. Notwithstanding your bankruptcy filing, you must continue making payments if you have a mortgage to avoid foreclosure.
In most cases, you can keep your car in a chapter 7 bankruptcy if you do not have equity in the vehicle exceeding $1000 or if you have up to $5000 in equity and are applying the Florida $4000 wildcard exemption to protect your car from liquidation by the Trustee.
In a Chapter 13 bankruptcy, the trustee will not seek to liquidate or take your vehicle from you, but you must keep up with your payments to avoid any repossession action by your lender.
Absent a court order to the contrary, there is really no limit on how often you can file chapter 7 bankruptcy, but if you received a discharge in a previous chapter 7, you must wait 8 years from the date you filed the last chapter 7 to be eligible to receive a discharge in the new chapter 7. Read our blog on how often you can file for bankruptcy to learn more.
The Florida statute of limitations on credit card debt is 5 years.
Yes, you can file bankruptcy when you have a judgment, and if it is a civil judgment not based on fraud, you can seek to discharge the judgment debt. Filing bankruptcy will also put in place the automatic stay which, absent bankruptcy court permission while in bankruptcy, will prevent the creditor from taking any legal action to collect on the judgment.
We are also often asked is if bankruptcy can clear judgments. Yes, bankruptcy can clear most civil judgments.
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If you need filing for Bankruptcy in South Florida, our experienced attorneys can help you.
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Meet Robert Stiberman
Founded by Attorney Robert A. Stiberman, Stiberman Law focuses exclusively on personal bankruptcy work, specializing in chapter 13 and chapter 7 cases. Our Florida bankruptcy attorney and friendly professional staff have the knowledge and experience to answer your questions and to help you avoid any potential pitfalls in the bankruptcy process. Since our inception, we have striven to help as many people as possible achieve a brighter financial future. We are thankful for the opportunity to provide much needed assistance to those community members who are unable to obtain it for themselves. Smart choices today can help you realize the future you deserve.
Choosing a law firm to represent you is an important decision. I was admitted to The Florida Bar in 1998 after graduating from the University Of Miami School Of Law in 1996. I began my legal career as a volunteer attorney in the Miami Dade Public Defenders Office. I also worked as an associate for a firm in South Florida that handles real estate related matters. In 2007 I opened my own law practice and in 2009 I began to represent clients in Bankruptcy matters. I am admitted to the United States District Court for the Middle and Southern District of Florida. I invite you to compare my qualifications and experience to those of other attorneys you might be considering.
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