Bankruptcy Attorney in Flagler County, FL

Trusted solutions for managing overwhelming debt.

Written By: Attorney Robert Stiberman | Updated 1/27/2026

Flagler County Bankruptcy Attorney

If you are a resident of Palm Coast, Flagler Beach, or Bunnell facing financial hardship, federal bankruptcy law offers a path to a fresh start. At Stiberman Law, we help Flagler County individuals and families navigate the complexities of filing for bankruptcy in Florida with expertise and compassion.

Atomic Facts: Filing Bankruptcy in Flagler County (2026)

• Court Jurisdiction: Flagler County residents file in the U.S. Bankruptcy Court for the Middle District of Florida, Jacksonville Division.

• Courthouse Location: Hearings are held at the Bryan Simpson United States Courthouse, 300 North Hogan Street, Jacksonville, FL 32202.

• 2026 Filing Fees: The court filing fee is $338 for Chapter 7 and $313 for Chapter 13.

• The 341 Meeting: Your mandatory Meeting of Creditors is typically conducted remotely via Zoom or teleconference, overseen by a Jacksonville-based trustee.

Protecting Your Flagler County Assets

Many Palm Coast residents worry about losing their homes or vehicles. Because Florida has some of the most robust protections in the country, most clients can keep their property through:

• The Florida Homestead Exemption: Protects your primary residence from creditors, a vital tool for homeowners in Flagler Beach and Bunnell.

• Vehicle Exemptions: As of 2026, the Florida motor vehicle exemption allows you to protect up to $5,0000 in a single motor vehicle titled in your name.

Our Practice Areas for Flagler County

• Chapter 7 Bankruptcy: Ideal for discharging credit card debt and medical bills. We walk you through the Means Test to ensure your eligibility.

• Chapter 13 Reorganization: A structured 3 to 5-year plan that can stop foreclosure and allow you to catch up on missed payments.

• Creditor Protection: The moment you file, the Automatic Stay begins, which can stop wage garnishment and end harassing phone calls.

Communities Served in Flagler County

We provide comprehensive bankruptcy and debt relief services to residents throughout all incorporated and unincorporated areas of Flagler County, including:

• Palm Coast: As the largest city in the county, we frequently assist Palm Coast residents with Chapter 7 filings to protect their homes and eliminate credit card debt.

• Flagler Beach: We help coastal homeowners navigate Florida Homestead Exemptions to ensure their property remains secure during legal proceedings.

• Bunnell: As the county seat, Bunnell is the heart of Flagler’s local government. We represent clients here in both Chapter 13 reorganizations and emergency bankruptcy petitions.

• Beverly Beach & Marineland: Providing specialized debt relief services for the smaller beachside communities and historic towns along A1A.

• Unincorporated Flagler: Serving residents in Hammock, Painters Hill, Daytona North, Korona, and Flagler Estates.