Bankruptcy Attorney in Flagler County, FL
Quick Summary
The Challenge: Overwhelming debt leading to stress, uncertainty, and potential creditor actions in Flagler County.
Chapter 7: Provides the fastest financial relief (4–6 months) by discharging most unsecured debts (credit cards, medical bills), with Florida exemptions allowing clients to keep essential property.
Chapter 13: Offers a structured 3–5 year repayment plan, which is the best option for clients with regular income who need to protect valuable assets and catch up on missed payments.
The Process: Filing any chapter immediately triggers the automatic stay, a critical protection that instantly halts collection actions, lawsuits, foreclosure proceedings, and wage garnishments.
Bottom Line: Stiberman Law offers trusted solutions and over a decade of experience to simplify the bankruptcy process, guiding Flagler County residents toward a clear path for financial stability and a fresh start.
Trusted solutions for managing overwhelming debt.
Written By: Attorney Robert Stiberman | Updated 9/23/2025
Why Working With a Bankruptcy Lawyer Matters in Flagler County
Debt problems can create stress and uncertainty about the future. Having a bankruptcy lawyer ensures you understand all your options and gives you professional guidance throughout the process. An attorney helps determine the best type of bankruptcy for your circumstances and works to protect your income and property.
At Stiberman Law, we’ve supported Florida residents for more than a decade by offering personalized bankruptcy and debt relief solutions. Our mission is to make the process less overwhelming and provide clients with a clear path toward financial stability.
How Bankruptcy Works in Flagler County
Bankruptcy cases in Flagler County fall under the U.S. Bankruptcy Court for the Middle District of Florida. Although it follows federal rules, local procedures can feel complex if you try to handle them alone.
We streamline the process by starting with a free consultation. During this meeting, we evaluate your debts, assets, and income. Then we recommend whether Chapter 7, Chapter 13, or Chapter 11 is right for your financial goals.
After your case is filed, the automatic stay immediately stops foreclosures, wage garnishments, creditor calls, and lawsuits. You’ll attend a trustee meeting, and depending on your chapter, you’ll either discharge debts or commit to a structured repayment plan.
Case Study: Debt Relief Success Story
A client came to us with overwhelming unsecured debt. By filing Chapter 7 bankruptcy, they erased more than $50,000 in medical and credit card balances within six months. This allowed them to move forward without constant financial pressure.
STEP 1
Free Consultation
We begin with a free consultation to review your debts, assets, and financial situation. This helps determine whether bankruptcy is the right solution for you.
STEP 2
Depending on your circumstances, you may qualify for Chapter 7 (debt discharge through liquidation), Chapter 13 (structured repayment plan), or Chapter 11 (reorganization, often used by businesses or individuals with significant debt). We’ll explain the differences and recommend the best option for your needs.
STEP 3
Our team helps you gather financial documents and prepares all the required forms. We file your case electronically with the U.S. Bankruptcy Court for the Middle District of Florida, Tampa Division, which covers Winter Haven.
STEP 4
Once your case is filed, an automatic stay immediately stops most collection actions, lawsuits, and wage garnishments.
STEP 5
You’ll attend a brief meeting with a court-appointed trustee. An attorney from Stiberman Law will be by your side to make sure you’re prepared and supported.
STEP 6
If you file Chapter 7, eligible debts are discharged in as little as four to six months. If you file Chapter 13, you’ll enter into a three- to five-year repayment plan before remaining eligible debts are wiped out. If you file Chapter 11 as a business, you’ll propose a reorganization plan that restructures obligations while allowing you to remain operational.
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Contact Stiberman Law Today!
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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.
Understanding Bankruptcy Chapters
Chapter 7 is sometimes referred to as “liquidation bankruptcy,” but many clients keep their essential property thanks to Florida exemption laws. It eliminates most unsecured debt in just a few months.
Chapter 13 allows people with regular income to restructure debt into a three- to five-year repayment plan. After completing the plan, any qualifying unpaid balances are discharged.
Chapter 11 is primarily for businesses or individuals with substantial debt. It provides a way to reorganize obligations without shutting down operations.
Debt Relief Services Available in Flagler County
We provide tailored services for individuals, families, and business owners across the county, including:
Chapter 7
Chapter 7 bankruptcy for fast elimination of unsecured debts
Chapter 13
Chapter 13 bankruptcy for repayment plans that protect assets
Chapter 11
Chapter 11 bankruptcy for reorganizing significant personal or business debt
Foreclosure
Wage garnishment
– Your experienced bankruptcy attorney
Lern More About Our Founding Attorney
Here’s a 5-star review from our client:
I want to express sincere gratitude to our lawyer and the entire team with especial thanks to Esteban, Angel, and Caroline for the outstanding work they did.
Your professionalism dedication, and attention to detail made all the difference and made us feel fully supported throughout. Thank you for your commitment and hard work.
Maria Munoz
Robert Stiberman
Frequently Asked Questions About Bankruptcy in Flagler County
What debts can I get rid of in bankruptcy?
Can bankruptcy prevent foreclosure?
Do I need a minimum amount of debt to file?
How long will my bankruptcy case take?
Take the First Step Toward Relief
Bankruptcy can help you stop creditor actions and give you space to rebuild your finances. Contact Stiberman Law today to schedule a free consultation and learn how we can help you start fresh.
Our dedicated team at Stiberman Law is ready to serve clients in Flagler County cities.