Bankruptcy Attorney in Cape Coral, FL

Helping Cape Coral residents overcome financial challenges.

Written By: Attorney Robert Stiberman | Updated 2/17/2026

Top Rated Bankruptcy Counsel for Cape Coral & Lee County

At Stiberman Law, P.A., we provide comprehensive bankruptcy and debt relief services tailored to Southwest Florida’s unique economic landscape. Our firm specializes in helping residents of Cape Coral, Fort Myers, Pine Island, and Sanibel navigate financial challenges through proven legal frameworks. Whether you are facing unmanageable credit card debt, medical bills, or an imminent foreclosure auction, our attorney-led team provides the tactical expertise needed to protect your assets and restore your stability.

• Statutory Asset Protection: We aggressively apply the Florida Homestead Exemption and Florida Bankruptcy Exemptions to safeguard your primary residence and waterfront property.

• Lee County Foreclosure Mitigation: We use the Automatic Stay (11 U.S.C. § 362) to enjoin online foreclosure auctions on the lee.realforeclose.com portal.

• Medical Debt Solutions: Utilizing expanded Florida motor vehicle exemptions (§ 222.26) to protect enhanced equity for health-related insolvencies.

• Seasoned Advocacy: Led by Robert Ariel Stiberman, with over 25 years of bankruptcy experience, Stiberman Law helps clients navigate bankruptcy in the Middle District of Florida (Fort Myers Division).

• Veteran Support: We provide dedicated debt relief for Florida veterans, ensuring that your federal benefits remain untouched by creditors.

Cape Coral Bankruptcy Attorney: Navigating Economic Shifts in Lee County

In Cape Coral, changes in the local real estate market and rising property insurance costs have prompted many homeowners to seek professional debt relief options. When debts outnumber available funds, federal bankruptcy protection provides a clear and lawful way to recover. At Stiberman Law, we’re here as your trusted advisors, guiding you through your Fresh Start with careful attention to every step in the United States Bankruptcy Court for the Middle District of Florida (Fort Myers Division).

Whether you’re responding to a summons and complaint or trying to prevent a bank levy, our firm is here to help you navigate these challenges and craft a strategy to tackle them.

Procedural Solutions Tailored to Your Assets

Bankruptcy is a legal mechanism designed to protect the honest debtor. We use the U.S. Bankruptcy Code and the latest statutory updates to protect your property and maximize your chances of obtaining a discharge.

Chapter 7: Liquidation and Immediate Debt Discharge

Chapter 7 is the fastest route to eliminating credit card debt and medical bills.

• Current Eligibility Standards: We guide you through the Florida Means Test. For the latest filing period, the median income limit for a single-person household in Florida is $68,085.

• Protecting Your Vehicle: Under Fla. Stat. § 222.25(1), we exempt up to $5,000 in equity.

Chapter 13: Reorganization and Foreclosure Prevention

We use Chapter 13 as the primary tool to stop foreclosure in Florida and cure arrears on your home or municipal assessments.

• Stop the Sale: We can file an Emergency Petition at the Lee County Clerk’s office within hours of the auction to prevent an online sale.

• Lien Stripping: In a changing market, we may be able to remove a junior lien (second mortgage) if the market value of your primary residence falls below the balance of the first mortgage.

The Stiberman Advantage: Professional Expertise in the Middle District

Founding attorney Robert Stiberman has proudly represented over 2,500 clients. With our extensive experience, we make sure your 341 Meeting of Creditors is handled with the utmost professionalism and care.

“Robert Stiberman and his staff, particularly Angel and Jesse, were professional, clear, and remarkably patient… they led me to a fresh start and allowed me an opportunity to get back on my feet.” — Client Testimonial

Choose the Right Bankruptcy Chapter

Every situation is different. Depending on your income, assets, and goals, you may qualify for:

• Chapter 7 Bankruptcy – Often the fastest path to debt relief, wiping out unsecured debts such as credit cards and medical bills in just a few months.
• Chapter 13 Bankruptcy – Allows you to catch up on missed payments while keeping your home, car, and other property through a structured 3–5 year repayment plan.
• Chapter 11 Bankruptcy – A more complex option typically used by businesses, but also available to individuals with high levels of debt.

We’ll walk you through each option and recommend the path that fits your circumstances.