Melbourne Bankruptcy Attorney: Dedicated Debt Relief with a Personal Touch

Guiding you toward a brighter financial future

Written By: Attorney Robert Stiberman | Updated 1/21/2026

In Melbourne and throughout the Space Coast, your financial well-being is our top priority. We recognize that behind every debt concern is a person, family, or local business owner seeking a way forward. Whether you are navigating the challenges of a career in Viera, enjoying retirement in Palm Bay, or managing a small business in Cocoa Beach, we are here to offer more than just legal filings. At Stiberman Law, we take pride in our customer service approach, providing the patience, time, and personalized attention you need to feel confident about your financial future.

Many residents of Brevard County are discovering that their current income is not keeping up with rising costs. Whether you are dealing with a lawsuit at the Moore Justice Center or simply need someone to listen to your situation and help you find a Fresh Start, Stiberman Law offers the compassionate advocacy you need to regain your peace of mind.

Attentive Support for Melbourne, Palm Bay, Rockledge, Viera, Titusville, and Cocoa Beach

If you are experiencing financial difficulties, Stiberman Law is here to assist clients in bankruptcy and debt relief throughout Melbourne, Palm Bay, Rockledge, Viera, Titusville, and Cocoa Beach. We believe that effective legal counsel begins with a human connection. Our staff is trained to be patient and thorough, ensuring that every resident—from the beachfront in Cocoa Beach to the growing neighborhoods of Palm Bay—receives the same high level of care.

We understand that every financial situation is unique. That’s why we take the time to understand the local challenges you face, such as high HOA assessments or the specific needs of veterans on the Space Coast. Our goal is to be your dedicated partner, protecting you from aggressive collection tactics and providing a clear and supportive path toward resolving your debt.

Choosing the Right Path: How We Tailor Your Solution

At Stiberman Law, we prioritize your comfort and understanding above all else. We don’t just provide services; we create a customized strategy designed around your goals.

Chapter 7: A Supportive “Fresh Start”

For many families in Palm Bay and Rockledge, Chapter 7 offers a chance to breathe again. Our team is here to guide you through the process, ensuring you feel supported every step of the way.

• Compassionate Debt Elimination: We help you discharge medical bills, credit card balances, and personal loans so you can focus on your future.
• Guidance You Can Trust: We handle the complexities of the Florida Means Test, explaining each step in plain English so you are never left in the dark.

Chapter 13: Your Shield and Support System

It can be really challenging to manage a mortgage, and we understand how overwhelming that can feel. Chapter 13 can be a great option for you to protect your home during this difficult time. Rest assured, our team is here to support you every step of the way. 

• Saving Your Home: If you are facing a foreclosure sale in Brevard County, we act as your shield to stop the sale and create a manageable 3-to-5-year plan.
• Persistent Advocacy: We stay by your side throughout your repayment plan, offering the guidance needed to ensure your success.

Debt Settlement: Personal Negotiation

Bankruptcy may not be the best option for everyone. We offer professional Debt Settlement services, using our decades of experience to negotiate directly with creditors on your behalf, often settling for a fraction of what you owe.

Our Patient, Step-by-Step Process

We have refined our process to be as clear and stress-free as possible. Our staff has the patience to work with you in the way you prefer, whether that’s through digital tools or more traditional methods.

1. Personal Consultation: A Free Consultation where we take the time to listen to your story.
2. Guided Document Gathering: We provide a clear checklist and help you organize your records. You can send documents via our portal, fax, or regular mail.
3. Detailed Professional Review: We double-check every detail of your means test eligibility to ensure your assets are fully protected.
4. Supportive Counseling: We help you complete the required online courses, providing the links and technical support to make it easy.
5. Final Review & Filing: We sit down with you (virtually or via phone) to review your petition line-by-line before filing.
6. The 341 Meeting: We prepare you thoroughly for your341 Meeting of Creditors, which is held virtually for your convenience. Robert Stiberman is there to support you throughout.
7. The Discharge: We celebrate your “finish line”—the court order that officially wipes away your debt.