Bankruptcy Attorney in Escambia County, FL

Reliable guidance for a stronger financial future.

By Robert A. Stiberman, Esq. Member of The Florida Bar since 1998, representing Florida bankruptcy clients since 2009. Last reviewed: July 2026.

How a Bankruptcy Attorney in Escambia County Can Help

Financial stress can take over every aspect of life, from work to family. A skilled bankruptcy lawyer can give you the clarity and confidence to move forward. At Stiberman Law, we assist Escambia County residents by reviewing their financial circumstances, explaining every available debt relief option, and ensuring the process is completed smoothly and correctly.

Our goal is to protect what matters most—your property, your income, and your peace of mind—while guiding you toward a true financial fresh start.

Strategic Debt Relief Solutions

Choosing the right bankruptcy chapter is the foundation of your recovery. We utilize a comprehensive Florida Bankruptcy Means Test Calculator to determine the best path for your specific income level and financial goals.

1. Chapter 7 Bankruptcy: The Clean Slate

The fastest way to wipe out credit cards, medical bills, and personal loans. We guide you through how to pass the means test while leveraging Florida Bankruptcy Exemptions to ensure you keep your most important assets.

2. Chapter 13 Bankruptcy: Reorganizing Debt to Save Your Home

If you have fallen behind on secured debt payments in Escambia County, Chapter 13 provides a structured path to recovery without the risk of asset liquidation. This chapter is specifically designed to prevent foreclosure and stop the repossession of vehicles. Chapter 13  is designed to provide the necessary framework to address mortgage arrears and protect exempt assets over a three-to-five-year period.

My firm provides comprehensive counsel throughout the intricate Chapter 13 process, focusing on the specific technical requirements of the Pensacola Division. We prioritize the meticulous preparation of your reorganization plan, with the goal of having your plan confirmed by the Court, a critical milestone for those seeking to maintain their property and work toward the discharge of eligible unsecured liabilities.

Stopping Wage Garnishment in Escambia County

Can a creditor take money straight from your paycheck in Escambia County? Only within limits, and often not at all. Florida’s head-of-household exemption (Fla. Stat. § 222.11) shields the earnings of a person who provides more than half the support for a child or dependent, wages up to $750 per week are fully exempt, and anything above that is protected unless you agreed in writing to allow the garnishment. And the moment a bankruptcy petition is filed, the automatic stay (11 U.S.C. § 362) halts the garnishment outright. We serve Pensacola, Cantonment, Century and all of Escambia County, review your exemption rights, and file to stop the wage seizure. See our Florida wage garnishment page for details.

See real, anonymized outcomes from Florida bankruptcy cases on our Results page. Past results do not guarantee a similar outcome.

Why Hire  Stiberman Law?

Residents of the Emerald Coast deserve a bankruptcy lawyer who combines technical precision with a proven track record in asset preservation.

• A Florida firm focused on bankruptcy: Robert A. Stiberman has dedicated his practice towards helping Florida residents navigate the bankruptcy process. He has assisted thousands of clients in successfully discharging debt and rebuilding their financial futures.

• Pensacola Division Mastery: Escambia County cases are filed in the U.S. Bankruptcy Court for the Northern District of Florida at the Pensacola Courthouse. Robert understands the procedural preferences of Chief Judge Karen K. Specie and local Bankruptcy Trustees such as Sherry Chancellor and Karin Garvin.