Bankruptcy Attorney in Flagler County, FL

Trusted solutions for managing overwhelming debt.

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

Quick Overview: 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 conducted remotely via Zoom and conducted by a Jacksonville-based trustee.

Your Bankruptcy Options in Flagler County: Chapters 7, 13, and 11

The chapter you file under shapes everything that follows. Flagler County matters are handled by the U.S. Bankruptcy Court, Middle District of Florida, Jacksonville Division.

Chapter 7, a clean break. This is liquidation bankruptcy: most unsecured debt is discharged and the case typically closes within four to six months, for filers who pass the means test against the Florida median income. Florida’s exemptions are broad, so households in Palm Coast, Bunnell, Flagler Beach usually keep their essential property.

Chapter 13, catch up over time. Rather than liquidate, you repay part of your debt through a three-to-five-year plan and make up missed mortgage or vehicle payments, ideal for Flagler County residents trying to save a home from foreclosure.

Chapter 11 and Subchapter V, for businesses. Chapter 11 reorganizes a company (or a high-debt individual) while it keeps operating. Subchapter V is a streamlined small-business track within Chapter 11, open to debtors whose total debt is $3,424,000 or less (2026 figure), a faster, lower-cost path that leaves the owner in charge, well suited to Flagler County’s small businesses.

We’ll match the chapter to your situation and manage the case end to end.

Which Court Will Hear Your Flagler County Case

Flagler County bankruptcy cases are filed in the U.S. Bankruptcy Court, Middle District of Florida, Jacksonville Division. Your § 341 meeting of creditors is administered through this division, and we prepare you fully and attend with you.

Stopping Wage Garnishment in Flagler County

Can a creditor take money straight from your paycheck in Flagler 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 Palm Coast, Bunnell, Flagler Beach, Beverly Beach and all of Flagler County, review your exemption rights, and file to stop the wage seizure. See our Florida wage garnishment page for details.

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.

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

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.