Chapter 7 Bankruptcy Lawyer in Boca Raton

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Looking for a Chapter 7 bankruptcy attorney in Boca Raton? Here are some of our reviews.

  • Jose N.starstarstarstarstar5.0
    I have to say that I have had a great experience with Stiberman Law regarding a bankruptcy and they have been very informative and supportive. They have been very helpful and always ans Read More
    January 20, 2023logo
  • L.L.starstarstarstarstar5.0
    Excellent service. Great bankruptcy attorney and staff. Always informed me of what to expect. My Chapter 13 bankruptcy was smooth and the process was easy thanks to Robert and the Read More
    July 20, 2022logo
  • Sam Sstarstarstarstarstar5.0
    Twelve years ago I was in need of legal representation stemming from the housing meltdown if 2008. Robert Stiberman and his staff handled the matter with complete professionalism and sp Read More
    October 19, 2022logo
  • Jose N.starstarstarstarstar5.0
    I have to say that I have had a great experience with Stiberman Law regarding a bankruptcy and they have been very informative and supportive. They have been very helpful and always ans Read More
    January 20, 2023logo
  • L.L.starstarstarstarstar5.0
    Excellent service. Great bankruptcy attorney and staff. Always informed me of what to expect. My Chapter 13 bankruptcy was smooth and the process was easy thanks to Robert and the Read More
    July 20, 2022logo
  • Sam Sstarstarstarstarstar5.0
    Twelve years ago I was in need of legal representation stemming from the housing meltdown if 2008. Robert Stiberman and his staff handled the matter with complete professionalism and sp Read More
    October 19, 2022logo
  • K.D.starstarstarstarstar5.0
    I was looking for a bankruptcy attorney in Miami, and I found Mr. Stiberman. He and his office were efficient, and they guided me through every step of the process. I am appreciative of Read More
    September 16, 2022logo
  • Carmen C.starstarstarstarstar5.0
    I am so grateful for Stiberman Law, P.A. In 2019 my husband and were faced with a very difficult decision file for Bankruptcy, unfortunately we weren’t able to pay for our credit Read More
    October 26, 2022logo
  • N.M.starstarstarstarstar5.0
    Excellent work from this bankruptcy law firm! I was drowning in debt with my license suspended from a lawsuit I had and thought I would have to spend the rest of my life paying back deb Read More
    August 17, 2022logo
  • R.Z.starstarstarstarstar5.0
    The experience with this office has been great. No problems at all they have kept me straight to doing the right thing and feeling a breeze of peace and being debt free with my bankruptcy.
    August 30, 2022logo
  • F.starstarstarstarstar5.0
    Very happy with Robert and his team. Thanks to them we were able to save our home. Very helpful and knowledgeable in bankruptcy. Best attorney.
    July 28, 2022logo
  • E.R.starstarstarstarstar5.0
    I had a great experience, I just want thank Stiberman law and his team for a great experience also Ana for the help and explaining my case. Appreciate, thank you
    July 25, 2022logo
  • A.B.starstarstarstarstar5.0
    Very good office with my bankruptcy. They have been amazing through this hard process. Very happy with Robert and his staff they are very nice and professional. Thank you stiberman!
    July 23, 2022logo
  • W.J.starstarstarstarstar5.0
    Amazing work by Robert. They are really good with what they do, very attentive and knowledgeable. Customer service and professionalism are top, the lawyer has been great this whole t Read More
    June 25, 2022logo

Filing for bankruptcy can be an overwhelming, difficult process, but with an experienced Chapter 7 bankruptcy lawyer in Boca Raton, you can move forward, free of debt and facing your future with confidence. Since 1998, Stiberman Law has helped clients just like you navigate the bankruptcy process, escape the weight and stress of debt, and start over with a clean slate. From the first, free consultation to the closure of your case, we’re by your side, advocating for your best interests and helping you achieve financial freedom.

FREE CONSULTATION

Understanding Chapter 7 Bankruptcy

Chapter 7 is a type of bankruptcy for people with serious debt but little to no expendable income to put toward a debt repayment plan. This is a liquidation bankruptcy, in which your creditors, income, financial records, and data are submitted with your petition in bankruptcy court. As soon as your petition is accepted, an automatic stay goes into effect stopping all debt collection attempts. This includes wage garnishment, lawsuits, and even letters and phone calls from creditors.

The court assigns a bankruptcy trustee to assess your personal property and gather your valuable, nonexempt assets. Nonexempt assets include:

  • Secondary vehicles
  • Recreational vehicles and boats
  • Artwork
  • Jewelry
  • Valuable collections, such as coins or stamps.

These items will be sold, and the trustee will use the proceeds to pay off creditors. Once this is complete, all eligible, unsecured debt will be discharged and creditors can not contact you moving forward. The bankruptcy process takes around three to six months.

Stiberman Law has the experience and resources to resolve your legal challenges.

Eligible Debt

The following types of unsecured debts can be discharged during Chapter 7 bankruptcy:

  • Medical bills
  • Credit card debt
  • Payday loans
  • Old utility bills
  • Unsecured personal loans
  • Tax debt (in some instances)
  • Vehicle repossession debts

Ineligible Debt

These types of debt are not eligible for a bankruptcy discharge:

  • Most student loans
  • Income tax or property tax debts (especially recent taxes)
  • Alimony
  • Child support
  • Civil judgments, such as fines or payments owed in a personal injury case.
  • Secured debts, such as your mortgage or car loan. Though if you are evicted, or your car is repossessed, any fees or debts related to those will be discharged.

A Chapter 7 bankruptcy attorney from Stiberman Law will fight to have as much of your debt eliminated as possible to ensure you’re starting over with a clean slate and a secure future.

Choosing Stiberman Law As Your Chapter 7 Bankruptcy Lawyer

Even though you aren’t required to have a Chapter 7 attorney file bankruptcy for you, it’s not a good idea to go through this alone. From making sure your paperwork is accurate and you have proper documentation, to pushing back against creditors, having a legal advocate ensures the process is faster, smoother, and has better results than if you try to navigate bankruptcy on your own.

  • Your Free Consultation

    Before filing bankruptcy, we will sit down with you for a free consultation to discuss:

    • Your financial situation, including your income, belongings, unsecured debts and secured debts.
    • Paperwork we need to file, including your paycheck stubs, tax returns, and other supporting documents.
    • Your best options for debt relief, whether that’s Chapter 7 bankruptcy or another option
    • What debts are eligible and ineligible to be discharged.
    • What you can expect during the bankruptcy process.
    • Necessary information to use in your petition.
    • Fees, costs, and setting up an affordable monthly payment plan.
  • The Bankruptcy Process

    After your free consultation, we are with you at every step, including:

    • Filling out all necessary paperwork to file your bankruptcy petition.
    • Providing you with your legally required credit counseling.
    • Contacting creditors who have broken the automatic stay after filing begins.
    • Representing you in bankruptcy court when you go before the judge.
    • Attending hearings and meetings with creditors on your behalf.
    • Filling out exemption paperwork to protect your assets.

    Once your bankruptcy case is closed, you’ll get a report with any debts not discharged or paid off, and their balances, such as child support or student loan debt.

  • Why Choose Stiberman Law?

    Every member of our law firm is committed to helping you achieve debt relief through a simple, swift bankruptcy process. With over three decades of experience and over 100 5-star reviews, you can feel confident that we have the experience, knowledge, and dedication you need to navigate bankruptcy and get the results you deserve.

    Worried about affording a Chapter 7 lawyer in Boca Raton? We offer $0 down solutions with low monthly payments so you get the legal representation and guidance you need.

LEARN MORE

Frequently Asked Questions About Chapter 7 Bankruptcy

We know filing bankruptcy can be confusing and overwhelming. To help you better understand the process, we’re sharing some information related to our most frequently asked questions about Chapter 7.

Schedule a Free Consultation
with a Boca Raton Chapter 7 Lawyer Today

If you are ready to break free from medical debt, credit card bills, and more, we can help. Schedule a free consultation with our law firm today by calling (954) 932-7804 or filling out the form below to get started.

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