Bankruptcy Attorney in Melbourne, FL
Quick Summary
The Challenge: Dealing with overwhelming debt and the need for guidance to evaluate options and comply with local court requirements in the Middle District of Florida, Orlando Division.
Chapter 7 (Quick Relief): Offers a fast discharge of most unsecured debts. Debts are usually discharged in a matter of months.
Chapter 13 (Asset Protection): Creates a structured repayment plan lasting 3–5 years. This plan allows you to catch up on late payments while keeping your home, car, and other property.
The Process: Filing immediately triggers the automatic stay, which instantly stops foreclosure, wage garnishment, lawsuits, and creditor harassment.
Bottom Line: Stiberman Law offers over 12 years of experience in Florida bankruptcy law, providing honest advice and hands-on support. The firm helps Melbourne residents take back control and build a more secure future.
Guiding you toward a brighter financial future
Written By: Attorney Robert Stiberman | Updated 8/27/2025
Why Work with a Bankruptcy Lawyer in Melbourne, FL?
Dealing with overwhelming debt is stressful, but you don’t have to face it alone. A bankruptcy lawyer gives you the tools to understand your options, protect your assets, and pursue lasting financial relief.
At Stiberman Law, we assist Melbourne residents through each step of the process—providing honest advice, hands-on support, and strong legal representation. Our goal is to help you take back control and build a more secure future.
Why Do People in Melbourne Choose Stiberman Law?
Residents throughout turn to us because we:
- Have more than 12 years of focused bankruptcy experience
- Provide step-by-step guidance through the entire process
- Offer services in English and Spanish (hablamos español)
- Prioritize reducing stress while protecting what matters most
Our firm’s mission is simple: to help you move from financial struggle to financial stability.
Learn more about our founding attorney, Robert Stiberman.
Saving a Home Through Chapter 13
A client had fallen behind on mortgage payments due to unexpected family expenses and was facing foreclosure with a sale date already set. Stiberman Law helped her file for Chapter 13 bankruptcy, which immediately stopped the foreclosure. Through the Mortgage Modification Mediation Program, we negotiated an affordable repayment plan, allowing her to keep her home and resolve her debts.
What Happens When You File for Bankruptcy in Melbourne?
Bankruptcy is governed by federal law, but every case must follow specific procedures and court rules. For Melbourne residents, filings are handled through the U.S. Bankruptcy Court for the Middle District of Florida, Orlando Division.
Here’s how the process typically works with our team:
STEP 1
We evaluate your income, debts, and assets to determine if bankruptcy is the right solution.
STEP 2
Choose the Right Bankruptcy Chapter
- Chapter 7: Quickly discharges unsecured debts.
- Chapter 13: Creates a structured repayment plan (3–5 years).
- Chapter 11: Reorganizes significant debts for businesses or individuals.
STEP 3
We prepare and file your documents electronically with the court.
STEP 4
Filing immediately stops foreclosure, wage garnishment, lawsuits, and creditor harassment.
STEP 5
You attend a short meeting with a trustee, with one of our attorneys by your side.
STEP 6
Depending on the chapter, debts may be discharged in a matter of months or repaid through a manageable plan
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.
Comparing Bankruptcy Options
- Chapter 7: Offers a fast discharge of most unsecured debts; exemptions often allow clients to keep essential assets.
- Chapter 13: Best for those with steady income who want to keep their home or car while catching up on payments.
- Chapter 11: Provides businesses and high-debt individuals with the chance to reorganize finances under court supervision.
How We Simplify the Filing Process
Bankruptcy requires completing more than 20 local and federal forms. Our Melbourne team assists by:
- Identifying which documents are needed before filing
- Preparing and submitting everything electronically
- Ensuring compliance with all court rules so your case progresses smoothly
Legal Services We Offer in Melbourne, FL
We provide comprehensive debt relief services, including:
Chapter 7
Chapter 7 Bankruptcy: Erase unsecured debt and end creditor collection efforts
Chapter 13
Chapter 13 Bankruptcy: Develop a manageable repayment plan and safeguard assets
Chapter 11
Chapter 11 Bankruptcy: Restructure substantial debt while continuing operations
Foreclosure
Foreclosure Defense: Stop foreclosure and explore ways to keep your propert
Debt Consolidation
Debt Consolidation: Combine multiple debts into one affordable payment
Wage garnishment
Wage Garnishment Protection: Prevent creditors from taking money from your paycheck
– Your experienced bankruptcy attorney
Lern More About Our Founding Attorney
Here’s a 5-star review from our client:
Stiberman Law services was impeccable. Very fast and painless process. I’m very pleased to have chosen them to assist in my bankruptcy. Everyone was very helpful and knowledgeable. Best decision I made for myself in a long time.
Keith Jamar
Robert Stiberman
Frequently Asked Questions About Bankruptcy in Melbourne, FL
1. What happens when I file for bankruptcy?
An automatic stay goes into effect as soon as your case is filed. This halts creditor calls, foreclosure proceedings, wage garnishments, and most lawsuits.
2. How much debt do I need to qualify?
There’s no strict minimum or maximum. Bankruptcy eligibility depends on your financial situation, income, and the type of bankruptcy you pursue.
3. Are all debts discharged in bankruptcy?
No. While most unsecured debts like medical bills and credit cards can be eliminated, obligations such as child support, alimony, and most student loans cannot.
4. Can bankruptcy help me keep my home
Yes. Chapter 13 bankruptcy is especially useful for homeowners behind on mortgage payments. It stops foreclosure and allows for repayment through a court-approved plan.
5. What property is exempt in Florida?
Take the First Step Toward Debt Relief in Melbourne
If you’re struggling with overwhelming debt, you don’t have to go through it alone. The bankruptcy attorneys at Stiberman Law are here to guide you—protecting your rights, easing the stress of the process, and helping you move forward.
Take the first step toward financial stability today. Call Stiberman Law or fill out our online form to schedule your free consultation.