Experienced Florida Bankruptcy Lawyers
Helping individuals and families across Florida reclaim financial control.
– Florida Bankruptcy Lawyers
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– About Us
Stiberman Law, P.A.: Trusted Legal Support Since 2007
Our commitment to personalized service, proven legal strategies, and local community care has earned us a reputation as trusted advocates in some of Florida’s most financially stressed areas.
From our main office in Hollywood, our team proudly serves communities throughout South Florida and beyond, including:
- East Central Florida / Space Coast
- North Florida / First Coast
- Southeast Florida / Miami-Dade,
- Broward & Palm Beach Counties
- South Central Florida / Highlands & Big Cypress
- Southwest Florida / Suncoast
- Treasure Coast / Indian River Region
We are also available by appointment in Miami, Fort Lauderdale, and West Palm Beach.
No Matter Where You Call Home, You’re Never Too Far From Trusted Legal Help And Real Results. Our Team Can Assist You With Practical, Effective Debt Solutions.
– Things that set us apart:
22+
Years Of Experience
FREE
Consultation
300+
Five Star Reviews
Affordable
Payment Plans
$0
Down Options
Experienced
and Professional Staff
Filing For Bankruptcy In Florida Doesn’t Have To Be Scary
All We Do Is Help People With Debt
Bankruptcy law isn’t just something we offer — it’s what we do. Every day, we work with hardworking Floridians to:
- File for bankruptcy under Chapter 7, Chapter 13, or Chapter 11
- Stop foreclosure and wage garnishment
- Halt collection calls and lawsuits
- Protect your home, car, or business
- Discharge medical bills and unsecured debts
- Explore debt consolidation or payment plans
- Regain peace of mind
We know every situation is different. That’s why we take the time to understand your goals and craft a solution that fits your unique circumstances. We want to be your go-to bankruptcy team, whether you’re just starting to explore your options or need urgent help right now.
– Your experienced bankruptcy attorney.
Meet Our Attorney
Speak With Stiberman Law, P.A., Your Florida Bankruptcy Attorney Today
Robert Stiberman
What Is Bankruptcy?
The Federal Rules of Bankruptcy Procedure and local court rules regulate bankruptcy. The main parties in bankruptcy are the debtor, the bankruptcy Trustee who administers the case, the creditors, and the bankruptcy judge. The bankruptcy trustee handles most of your case, and you rarely see a bankruptcy judge.
What Are the Different Types of Bankruptcy?
Bankruptcy offers several paths to relief under the U.S. Bankruptcy Code. Most individuals file under Chapter 7 or Chapter 13, while high-debt individuals may qualify for Chapter 11. Businesses typically file under Chapter 7, Chapter 11, or Subchapter V depending on their goals.
CHAPTER 7
Often referred to as liquidation bankruptcy, Chapter 7 is suitable for individuals who don’t have the financial means to pay their debts and are looking for a discharge of their obligations. The process usually takes about four months from start to finish. Chapter 7 is called liquidation bankruptcy because your non-exempt assets are liquidated to pay off your creditors. The key word here is “non-exempt.”
Florida has some of the most robust exemptions or protections to help people filing for bankruptcy. Since you may not want to lose any property, understanding the exemption law is very important. During a free consultation, our experienced bankruptcy lawyer will explain exemptions in detail and determine if filing Chapter 7 bankruptcy is right for you.
CHAPTER 11
Although typically associated with businesses, Chapter 11 bankruptcy is also available to high-net-worth individuals who exceed the debt limits of Chapter 13. It provides a flexible but complex framework to reorganize debts under a court-approved repayment plan.
CHAPTER 13
Chapter 13 is commonly referred to as a wage earner’s bankruptcy. It involves a three—to five-year period during which the individual consumers apply their disposable income towards their debts. Chapter 13 is a powerful tool thousands of individuals use to eliminate debts without losing their property, vehicles, etc.
CHAPTER 7
Businesses can also file for Chapter 7 bankruptcy, which results in a complete liquidation of assets. Unlike individuals, businesses do not receive a discharge of debts. Instead, Chapter 7 serves as an orderly process to wind down operations and pay creditors to the extent possible.
This option is typically used when a business has no viable path to continue operations and needs to shut down.
CHAPTER 11
Chapter 11 is a reorganization option mainly for businesses, which allows them to continue operating while they work through a plan to pay back creditors. It’s a complex chapter often chosen by corporations and provides the debtor with a certain degree of freedom to propose a reorganization plan.
Subchapter V
Subchapter V is a streamlined version of Chapter 11 tailored for small businesses with limited debt. It was introduced in 2019 under the Small Business Reorganization Act and is intended to reduce costs and procedural burdens.
Subchapter V offers simplified procedures and allows owners to retain control of their business while proposing a reorganization plan that doesn’t require creditor approval. It’s a valuable option for small businesses trying to stay afloat and repay debts on manageable terms.
Choose a Law Firm That Focuses Only on Bankruptcy
Why Stiberman Law, P.A.?
Over two decades of bankruptcy experience
$0 down and flexible payment plans
300+ five-star client reviews
Free, confidential consultations
English and Spanish services are available
Our Commitment To You
Bankruptcy may feel like the end, but with the right legal guidance, it’s often the beginning of a better financial life. When you work with Stiberman Law, P.A.:
- You’ll always know your options
- You’ll never be judged
- You’ll be treated with respect and professionalism
- You’ll receive experienced, compassionate legal support
We will fight for you.
“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”.
Robert Stiberman
Recognized for Client Excellence
