Reliable solutions for a fresh financial start.
Written By: Attorney Robert Stiberman | Updated 9/10/2025
Why Work With a Bankruptcy Lawyer in Lakeland
Managing debt can be stressful, and attempting to navigate bankruptcy alone can be overwhelming. A skilled bankruptcy attorney helps you understand your options, select the right chapter, and safeguard your property and income.
At Stiberman Law, we have helped countless Lakeland residents regain financial control. Our goal is to provide clarity, support, and a practical path to financial freedom.
Understanding the Bankruptcy Process
Bankruptcy in Lakeland follows federal laws and local court procedures, which can be complicated without guidance. Here’s how we simplify the process:
- Start with a free consultation to review debts, income, and assets
- Determine the appropriate bankruptcy chapter: Chapter 7, Chapter 13, or Chapter 11
- Prepare and electronically file all required documents with the court
- Trigger an automatic stay to immediately stop creditor calls, garnishments, and foreclosure actions
- Attend the trustee meeting with guidance from your attorney
- Conclude the case with debt discharge or a structured repayment plan
Client Case Study
A client with significant credit card and medical debt filed for Chapter 7 bankruptcy. Within months, the client successfully discharged most of their debts while protecting essential assets, including their home and car, allowing them to regain financial stability.
Bankruptcy Services We Provide
We offer a range of debt relief solutions for individuals, families, and businesses:
- Chapter 7 bankruptcy to discharge most unsecured debts
- Chapter 13 bankruptcy for repayment plans while safeguarding assets
- Chapter 11 bankruptcy for businesses or individuals with substantial debt
- Protection against foreclosure and wage garnishments
Understanding Bankruptcy Chapters
Chapter 7 allows for the rapid elimination of unsecured debts, with Florida’s exemption laws helping clients retain important property.
Chapter 13 provides a repayment plan over three to five years while protecting assets, and any qualifying remaining debt is discharged at the end.
Chapter 11 enables businesses or high-debt individuals to reorganize obligations while continuing operations under a court-approved plan.
Frequently Asked Questions About Bankruptcy in Lakeland
What debts can bankruptcy eliminate?
Unsecured debts such as credit cards, medical bills, and personal loans can be discharged. Obligations like child support, alimony, and most student loans are generally not dischargeable.
Will bankruptcy stop foreclosure or wage garnishment?
Yes. Filing triggers an automatic stay that halts most collection actions immediately, including foreclosures and garnishments.
Is there a minimum debt required to file?
No. What matters is whether your debt is unmanageable given your financial situation and income.
How long does the bankruptcy process take?
Chapter 7 cases typically finish within four to six months. Chapter 13 repayment plans last three to five years.
Take the First Step Toward Financial Relief
Debt doesn’t have to control your future. Contact Stiberman Law today to schedule a free consultation and begin rebuilding your financial foundation.
