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Bankruptcy Attorney in Lake County, FL

Facing overwhelming debt in Lake County, FL? Stiberman Law offers bankruptcy solutions including Chapter 7, Chapter 13, and Chapter 11 to help you stop foreclosure, protect assets, and achieve a financial fresh start.
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Quick Summary (Lake County, FL)

The Challenge: Overwhelming debt and the risk of losing valuable property due to foreclosure or wage garnishment in Lake County.

Chapter 7 (Quick Relief): Offers the fastest solution (4–6 months) by discharging most unsecured debts (credit cards, medical bills). Florida exemptions are utilized to help clients retain essential assets like their home and vehicle.

Chapter 13 (Asset Protection): Provides a structured 3–5 year repayment plan, which is ideal for clients with steady income who need to catch up on missed payments and safeguard valuable property from loss.

The Process: Filing immediately triggers the automatic stay, a mandatory court order that instantly halts all creditor actions, including lawsuits, wage garnishments, repossessions, and foreclosures.

Bottom Line: Stiberman Law provides experienced guidance and over a decade of dedication, simplifying the bankruptcy process and offering Lake County residents a clear path to financial recovery and a fresh start.

Guidance and advocacy for lasting debt relief.

Written By: Attorney Robert Stiberman | Updated 9/24/2025

Why a Bankruptcy Lawyer Can Make a Difference

Filing bankruptcy is more than filling out forms—it’s about protecting your home, wages, and financial stability. Without proper guidance, mistakes can cause delays or even result in losing important protections.

At Stiberman Law, we’ve spent over a decade helping Florida residents, including those in Lake County, understand their debt relief options and navigate the process with confidence. We make sure our clients are informed at every step and supported from consultation through resolution.

The Bankruptcy Process in Lake County

Bankruptcy cases for Lake County residents are filed through the U.S. Bankruptcy Court for the Middle District of Florida. The process usually begins with a free consultation, where we evaluate your financial situation and determine whether bankruptcy is the best option.

We then guide you through choosing between Chapter 7, Chapter 13, or Chapter 11. Our office prepares the necessary documents and files your case electronically. Once filed, the automatic stay immediately goes into effect, stopping creditor actions, foreclosure proceedings, and wage garnishments.

After filing, you’ll attend a short trustee meeting with one of our attorneys present. Depending on your chapter, the case may conclude with either a discharge of debts or a structured repayment plan.

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

Choose the Right Bankruptcy Chapter
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

Prepare and File Your Case
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

Automatic Protection from Creditors
Once your case is filed, an automatic stay immediately stops most collection actions, lawsuits, and wage garnishments.

STEP 5

Step 5: Meeting of Creditors
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

Step 6: Discharge of Debts or Repayment Plan
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.

Do I Have A Case?

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Contact Stiberman Law Today!

Speaking to our law firm is always 100% confidental. Help is just a call away!

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.

Debt Relief Services in Lake County

Our firm offers comprehensive debt relief solutions to individuals, families, and businesses, including:

  • Chapter 7 bankruptcy for a quick discharge of unsecured debt
  • Chapter 13 bankruptcy for repayment while keeping assets
  • Chapter 11 bankruptcy for reorganization of business or large personal debts
  • Foreclosure defense and wage garnishment protection

Key Differences Between Bankruptcy Chapters

Chapter 7

Known as liquidation bankruptcy, Chapter 7 eliminates most unsecured debts such as credit cards and medical bills. Florida’s exemption laws allow many people to keep essential property, including a home and vehicle.

Chapter 13

This chapter is designed for individuals with steady income. It provides a three to five year repayment plan that allows you to catch up on past-due amounts and protect your assets. At the end of the plan, any qualifying remaining debt is discharged.

Chapter 11

Typically used by businesses or high-debt individuals, Chapter 11 allows for restructuring of debts under court supervision while continuing operations.

Client Case Study

A client came to us overwhelmed by both medical bills and credit card debt. By filing Chapter 13, we helped create a repayment plan that fit their income while stopping foreclosure proceedings. At the end of the plan, the client was debt-free and able to keep their property.

– Your experienced bankruptcy attorney

Lern More About Our Founding Attorney

Here’s a 5-star review from our client:

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Stiberman Law is a great Bankruptcy Law Firm! I Highly recommend the entire team! They are all trustworthy, have great customer service, super responsive and were very patient with all my questions and concerns.

Yasmina Perez

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Robert Stiberman

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Frequently Asked Questions About Bankruptcy in Lake County

What debts can bankruptcy eliminate?
Most unsecured debts, including credit cards, medical bills, and payday loans, can be discharged. Certain debts such as child support, alimony, and most student loans remain in place.
Will bankruptcy stop foreclosure or wage garnishment?
Yes. The automatic stay takes effect immediately after filing, halting foreclosures, garnishments, lawsuits, and most collection activities.
How long does a bankruptcy case take?
A Chapter 7 case usually lasts four to six months. Chapter 13 repayment plans run three to five years before any remaining qualifying debts are discharged.
Is there a minimum amount of debt required to file?
No. Bankruptcy does not require a specific amount of debt. What matters most is whether your financial obligations have become unmanageable.

Take the First Step Toward Relief in Lake County

You don’t have to face overwhelming debt on your own. With experienced legal guidance, you can stop creditor harassment, protect your assets, and move toward financial recovery.

Contact Stiberman Law today to schedule a free consultation and take the first step toward financial relief.