Bankruptcy Attorney Boca Raton, FL

Quick Summary: Boca Raton residents fall under the jurisdiction of the U.S. Bankruptcy Court – West Palm Beach Division. Stiberman Law, P.A. specializes in Chapter 7 and Chapter 13 filings that immediately trigger the Automatic Stay, halting foreclosures and lawsuits. We focus on protecting high-value assets, including homesteads and retirement accounts, while discharging unmanageable consumer, medical, and tax debt.

Practical solutions for lasting financial relief.

Written By: Attorney Robert Stiberman | Updated 1/28/2026

The Value of a Bankruptcy Lawyer in Boca Raton

Filing for bankruptcy in Boca Raton can be a challenging process. You may be facing financial stress and possibly dealing with harassment from collection agencies.

A Florida bankruptcy attorney can help you choose the most appropriate chapter for your situation, ensure compliance with legal requirements, and maximize the benefits of bankruptcy protection.

Our team is dedicated to making your life easier starting today. Robert Stiberman is a highly rated bankruptcy attorney serving Boca Raton, who frequently practices in the West Palm Beach Division of the bankruptcy court, where cases filed by Boca Raton residents are typically handled.

What the Bankruptcy Process Looks Like

Bankruptcy in Boca Raton falls under the jurisdiction of the U.S. Bankruptcy Court for the Southern District of Florida, West Palm Beach Division. While the system is governed by federal rules, local procedures can make the process intimidating if you try to navigate it on your own.

Your Journey to a Fresh Start: What to Expect

Navigating the federal court system can feel overwhelming, but we’ve refined the process into a clear, supportive roadmap from your very first interaction to your final discharge.

1. The Strategy Session

Your case begins with a free, in-depth consultation where we analyze your income, assets, debts, and long-term goals. We help you determine whether Chapter 7 or Chapter 13 is the right solution—whether that means saving a home in Royal Palm Yacht & Country Club, stopping a lawsuit, or eliminating unsecured debt.

2. Meticulous Preparation

Our team manages every detail of your filing. We carefully review tax returns, pay stubs, and financial records to ensure a thorough, court-ready submission. If you are facing an urgent threat—such as a pending foreclosure sale through the Palm Beach County Clerk—we can initiate an emergency filing to activate legal protection within hours.

3. The Automatic Stay

Once your case is filed, the automatic stay under 11 U.S.C. § 362 takes effect immediately. This powerful court order stops lawsuits, wage garnishments, foreclosures, repossessions, and creditor harassment—giving you instant relief and breathing room.

4. The Meeting of Creditors (341 Meeting)

Approximately 30 days after filing, you’ll attend a brief and straightforward hearing. Robert Stiberman personally represents you, ensuring you are fully prepared and confidently guided through any questions from the West Palm Beach bankruptcy trustee.

5. The Discharge

This is the finish line. Once the court issues your discharge order, you are legally released from qualifying debts such as credit cards, medical bills, personal loans, and judgments. This allows our clients to move forward with clarity, stability, and a true fresh start.

Why Boca Raton Residents Choose Stiberman Law

Bankruptcy is more than paperwork—it’s about protecting your property, your paycheck, and your peace of mind. Clients turn to us because we:

• Take time to explain every step clearly
• Handle filings and deadlines on your behalf
• Offer representation in English and Spanish
• Focus on helping you keep as much of your property as possible

One recent client in Boca Raton faced more than $60,000 in credit card and medical debt. Through Chapter 7 bankruptcy, she eliminated most of that burden within six months, giving her the breathing room she needed to start fresh.

Legal Disclaimer: Prior results do not guarantee a similar outcome. Case studies and testimonials reflect the specific facts of those matters and may not be representative of all cases.

Real Stories of Recovery: Boca Raton Case Studies

Seeing how federal law actually protects your neighbors is the best way to understand its power. These aren’t just statistics; they are stories of Boca residents reclaiming their peace of mind.

Chapter 13 – Boca Raton: Saving a Home for a Single Father

A Boca Raton single father faced a crisis when a post-pandemic work interruption led to a looming foreclosure. His lender refused a reasonable loan modification, demanding payments nearly double his original amount. He needed a way to protect his home and his $70,000 retirement savings.

We filed a Chapter 13 petition, which stopped the foreclosure instantly. Through a court-approved 60-month plan, we restructured his mortgage arrears and eliminated approximately $65,000 in unsecured debt. He kept his home, his vehicle, and his retirement funds, replacing the threat of homelessness with long-term stability for his family.

Chapter 13 – Boca Raton: Managing Tax Debt and Assets

Another Boca resident sought a way to resolve outstanding obligations without losing their property. They were burdened by a mix of consumer debt and a $4,000 IRS tax balance.

Our team structured a 36-month Chapter 13 plan with an affordable payment of just $200 per month. This organized approach allowed the client to handle the IRS debt properly while keeping their fully paid-off vehicle. By the end of the plan, the client will discharge $37,000 in unsecured debt, achieving a fast and predictable financial recovery without any asset loss.

Legal Disclaimer: Prior results do not guarantee a similar outcome. Case studies and testimonials reflect the specific facts of those matters and may not be representative of all cases