Your partner in overcoming financial struggles.
Written By: Attorney Robert Stiberman | Updated 9/2/2025
Why Work with a Bankruptcy Lawyer?
Debt has a way of taking over your life—calls from collectors, threats of lawsuits, or the fear of foreclosure can leave you feeling stuck. A bankruptcy attorney makes sure you know your rights, understand your options, and choose the approach that protects your future.
At Stiberman Law, we’ve supported individuals and families across Florida, including Marianna, for more than a decade. Our mission is to take the confusion out of bankruptcy and replace it with guidance, support, and a path toward financial stability.
What Filing Bankruptcy Looks Like in Marianna
Bankruptcy cases in Marianna are handled by the U.S. Bankruptcy Court for the Northern District of Florida. While rules are set at the federal level, each district has its own procedures, which can be intimidating without professional guidance.
Our role is to walk clients through every stage:
- Initial consultation – We evaluate your financial situation to determine whether bankruptcy is the right step.
- Choosing the right chapter – Chapter 7, Chapter 13, or Chapter 11 depending on your circumstances.
- Preparing and filing – We handle the forms, financial disclosures, and court submissions.
- Immediate relief – Once the case is filed, creditor harassment, garnishments, and foreclosure attempts must stop.
- Meeting of creditors – A brief hearing attended with one of our attorneys at your side.
- Resolution – Either a debt discharge (Chapter 7) or a structured repayment plan (Chapter 13/11).
Why Marianna Residents Choose Stiberman Law
Bankruptcy isn’t just about paperwork—it’s about protecting what matters most. Clients trust us because we:
- Handle complex filings and court requirements.
- Offer services in both English and Spanish.
- Explain each step clearly so you never feel left in the dark.
- Work hard to preserve your home, vehicle, and other essentials.
One Marianna client with overwhelming medical bills and personal loan debt was able to discharge over $50,000 through Chapter 7, giving them the chance to start fresh without constant collection pressure.
Debt Relief Options for Marianna Residents
Chapter 7 Bankruptcy – Clears away many unsecured debts in just a few months. Florida exemption laws allow most clients to keep their home, car, and other key property.
Chapter 13 Bankruptcy – Creates a repayment plan lasting three to five years, letting clients catch up on past-due payments while keeping their assets safe.
Chapter 11 Bankruptcy – Ideal for businesses or individuals with significant debt, this chapter reorganizes obligations without shutting down operations.
In addition, our firm assists with foreclosure defense, stopping wage garnishments, and exploring non-bankruptcy debt relief strategies when appropriate.
Frequently Asked Questions – Marianna Bankruptcy
What debts can be eliminated in bankruptcy?
Most unsecured debts—like medical bills, credit cards, and payday loans—can be discharged. Certain obligations, such as child support, alimony, and student loans, generally cannot.
Does bankruptcy stop foreclosure?
Yes. Filing triggers an automatic stay that halts foreclosure actions, garnishments, and most lawsuits immediately.
Do I need a minimum amount of debt to qualify?
No. Bankruptcy eligibility depends more on whether your debts are unmanageable than on reaching a specific dollar amount.
How long does the bankruptcy process take?
Chapter 7 cases usually finish in four to six months. Chapter 13 repayment plans run between three and five years.
Start Moving Forward in Marianna
Debt doesn’t have to control your future. With the guidance of Stiberman Law, Marianna residents can find relief, protect their property, and take the first step toward rebuilding their financial lives.
Contact Stiberman Law or complete our online form to schedule your free consultation and learn how we can help you get back on track.
