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Bankruptcy Attorney in Palm Coast, FL

Bankruptcy attorney in Palm Coast, FL with 12+ years’ experience. Stiberman Law helps with Chapter 7, 13 & 11 cases—protect assets, stop collections, and start fresh.
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Helping Palm Coast residents regain control of their finances.

Written By: Attorney Robert Stiberman | Updated 1/22/2026

Palm Coast Bankruptcy Attorney: Protecting Flagler County Families

Financial hardships can often arise unexpectedly, whether due to a medical diagnosis at AdventHealth Palm Coast or a sudden change in the local housing market. In Palm Coast, where many residents are retirees or young families, it is essential to take proactive steps to protect your assets in order to maintain the “quiet life.”

As of January 2026, bankruptcy filings in the Middle District of Florida have increased by nearly 27% compared to the previous year (US Courts Statistics). At Stiberman Law, Robert Stiberman provides a patient, customer-service-driven approach to help you navigate this surge, ensuring your Fresh Start is built on a foundation of legal expertise and empathy.

Strategic Debt Relief: Beyond the “One-Size-Fits-All” Approach

We don’t merely handle paperwork; we create a protective shield around your life. In Palm Coast, our strategy focuses on two primary goals: eliminating debt and preserving your homestead.

1. Chapter 7: The “Fresh Start” Reset

Ideal for those looking to eliminate credit card debt and overwhelming medical bills.

2. Chapter 13: The Foreclosure Shield

If you have fallen behind on your mortgage, Chapter 13 allows you to catch up over 3 to 5 years while keeping your home.

Your Rights Against Collector Harassment

Residents of Palm Coast are protected by federal and state laws. If a collector calls you early in the morning or uses threatening language, we serve as your legal barrier.

  • Federal FDCPA: Stops third-party collectors from abusive behavior.

  • Florida FCCPA: Prohibits original creditors from harassing you. Once you retain Stiberman Law, all creditor contact must go through our office. We provide the peace and quiet you need to focus on your recovery.

Do I Have A Case?

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Contact Stiberman Law Today!

Speaking to our law firm is always 100% confidental. Help is just a call away!

At Stiberman Law, Our Goal Is To Help You Complete The Process Smoothly, Protect Your Property When Possible, And Achieve The Financial Relief You Need For A Fresh Start.

Localized Resources for Palm Coast Residents

 

    Legal Services We Provide in Sarasota County

    Our team offers a full range of debt relief services, including:

    Chapter 7

    Chapter 7 bankruptcy to eliminate unsecured debts.

    Chapter 13

    Chapter 13 bankruptcy for repayment plans that protect your assets.

    Chapter 11

    Chapter 11 bankruptcy for businesses or individuals with large debts.

    Foreclosure

    Foreclosure defense strategies to help you keep your property.

    Wage garnishment

    Wage garnishment protection to safeguard your paycheck.

    – Your experienced bankruptcy attorney

    Lern More About Our Founding Attorney

    Here’s a 5-star review from our client:

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    Outstanding professionalism and customer service. The legal team, especially Lorena and Angel were a huge help with questions and concerns and quick to reply when I reached out. Bankruptcy is hard as it is but Ariel and his team kept me in the loop and peace of mind throughout. Highly recommend

    Jon R.

    stiberman law firm attorneys loan modification florida palm beach 005

    Robert Stiberman

    Learn More

    Frequently Asked Questions About Bankruptcy in Palm Coast, FL

    1. What types of bankruptcy are most common in Palm Coast?
    The two most common options are Chapter 7 and Chapter 13. Chapter 7 is a quicker process that wipes out unsecured debt, while Chapter 13 involves creating a three- to five-year repayment plan to help you catch up on obligations like mortgages or car loans.
    2. How do I know if I qualify for Chapter 7 bankruptcy?
    Eligibility is determined by a “Means Test,” which compares your income to the median income in Florida. If your income is too high, you may still qualify for Chapter 13 as an alternative.
    3. Where do Palm Coast residents file for bankruptcy?
    Cases are filed in the U.S. Bankruptcy Court, Middle District of Florida, Jacksonville Division, located at the Bryan Simpson United States Courthouse in Jacksonville.
    4. What happens after I file?
    Once your case is filed, an automatic stay stops most collection efforts. A meeting of creditors will then be scheduled, where you’ll answer questions about your finances. If you filed Chapter 7, your debts may be discharged within a few months. If you filed Chapter 13, your repayment plan begins.
    5. Will I lose my home if I file for bankruptcy in Florida?
    Not necessarily. Florida’s homestead exemption allows many homeowners to protect their primary residence. The outcome depends on your specific circumstances, which is why it’s important to consult with an experienced bankruptcy attorney.

    Start Your Journey Toward Financial Relief

    If you’re struggling with overwhelming debt in Palm Coast, the bankruptcy lawyers at Stiberman Law are ready to help. With more than a decade of experience in Florida bankruptcy law, we’ll guide you through every step—from determining your eligibility to filing your petition and protecting your rights in court.

    Call us today or complete our online form to schedule a free consultation with a Palm Coast bankruptcy attorney.