Trusted legal guidance for a fresh financial start.
Written By: Attorney Robert Stiberman | Updated 9/8/2025
How a Bankruptcy Lawyer Can Support You in Fort Myers
Managing overwhelming debt can be stressful, but you don’t have to face it alone. A skilled bankruptcy attorney provides guidance on your legal options, helps determine the best type of bankruptcy for your situation, and protects your assets throughout the process.
At Stiberman Law, we have over a decade of experience helping Fort Myers residents regain control of their finances. Our team provides practical advice, personalized support, and clear solutions to help you start fresh.
Understanding the Bankruptcy Process in Fort Myers
Bankruptcy cases in Fort Myers follow federal law and local court procedures. We make the process straightforward and manageable.
Clients can expect the following:
- A free consultation to evaluate income, debts, and assets
- Guidance on choosing the right chapter: Chapter 7, Chapter 13, or Chapter 11
- Preparation and electronic filing of all necessary documents
- Immediate protection from creditors through the automatic stay
- Representation at the trustee meeting to ensure clients are fully prepared
- Resolution through debt discharge or structured repayment
Case Study: Helping a Client Overcome Debt
A client faced over $80,000 in credit card and medical debt, along with wage garnishments. By filing Chapter 7 bankruptcy, most of the unsecured debt was discharged within months. This provided the client with relief from creditor pressure and a chance to rebuild financial stability.
Bankruptcy Services Offered in Fort Myers
We provide solutions for individuals, families, and business owners:
- Chapter 7 bankruptcy for rapid elimination of unsecured debts
- Chapter 13 bankruptcy to create manageable repayment plans while protecting assets
- Chapter 11 bankruptcy for businesses or individuals with significant debt
- Defense against foreclosure and wage garnishments
We also evaluate alternatives such as debt consolidation to find the most appropriate solution for each client.
Understanding the Bankruptcy Chapters
Chapter 7 bankruptcy allows for discharge of most unsecured debts, while Florida’s exemptions typically protect key assets such as homes, cars, and essential personal property.
Chapter 13 bankruptcy allows repayment over three to five years through a court-approved plan, protecting assets while discharging qualifying remaining debts at the end of the plan.
Chapter 11 is primarily for businesses but is also available to individuals with large debts. It allows for reorganization of obligations while continuing operations.
Frequently Asked Questions About Bankruptcy in Fort Myers
What debts can I eliminate through bankruptcy?
Most unsecured debts, including credit cards, medical bills, and personal loans, can be discharged. Child support, alimony, and most student loans are not dischargeable.
Will bankruptcy stop foreclosure or wage garnishment?
Yes. Filing immediately triggers an automatic stay, which halts most collection efforts, including foreclosures and wage garnishments.
Do I need a minimum amount of debt to file?
No. Eligibility depends on whether your debt is unmanageable relative to your income and overall financial situation.
How long does the bankruptcy process take?
Chapter 7 cases usually conclude in four to six months, while Chapter 13 repayment plans take three to five years to complete.
Take the First Step Toward Financial Relief in Fort Myers
If debt is causing stress, you don’t have to face it alone. Our Fort Myers bankruptcy attorneys guide clients through every step of the process with care, experience, and results-oriented strategies.
Contact Stiberman Law today to schedule your free consultation and begin your path to financial freedom.
