Bankruptcy Attorney in Palatka, FL

Key Facts: Filing in Putnam County (2026)

• Court Jurisdiction: Palatka cases are filed in the U.S. Bankruptcy Court for the Middle District of Florida, Jacksonville Division.

• Federal Courthouse: Your case is managed through the Bryan Simpson United States Courthouse, 300 North Hogan Street, Jacksonville, FL 32202.

• 2026 Filing Fees: The court requires a $338 filing fee for Chapter 7 or $313 for Chapter 13.

• 2026 Income Threshold: To qualify for Chapter 7, a 1-person household typically earns below $68,085. For those with higher incomes, we utilize the Means Test to factor in Putnam County living expenses to help you qualify.

Helping Palatka residents find financial relief and a fresh start

Written By: Attorney Robert Stiberman | Updated: 1/29/2026

Why Work With a Bankruptcy Lawyer in Palatka?

If you are a resident of Palatka, Crescent City, Interlachen, or anywhere in Putnam County, and are struggling with overwhelming debt, Stiberman Law is here to help. We act as your local shield in the federal court system, bridging the gap between Putnam County and the Jacksonville Division to secure your financial future

Navigating Your Path to Relief

Choosing the right bankruptcy chapter is the first step toward reclaiming your peace of mind. While the laws are complex, each path is designed for a specific financial goal.

Chapter 7: The “Fresh Start” Option

Often referred to as a “liquidation” bankruptcy, Chapter 7 is the fastest route to eliminating the burden of credit card debt, medical bills, and personal loans. Most of our clients receive a discharge in four to six months after filing. A court-appointed trustee reviews your assets, but thanks to our extensive knowledge of Florida’s generous exemption laws, most of our clients can wipe out their debt while keeping all their property. It is a powerful tool for those with limited income who need to hit the “reset” button on their financial life.

Chapter 13: The “Wage Earner’s” Reorganization

For homeowners in Putnam County who have fallen behind on their mortgage payments, or for those with steady incomes who want to protect their valuable assets, we employ Chapter 13 as a structured path forward. Instead of liquidating your assets and risking the loss of your property, we craft a court-approved, manageable plan that lasts between three and five years. This chapter allows you to catch up on missed house or car payments while remaining under the protection of the federal court, ensuring creditors cannot take action against you while you are in the plan.

Verified Client Success in Putnam County

Crescent City (Putnam County): “Awesome communication and very easy to work with. I have had nothing but professional ethics and communication in our bankruptcy. Highly recommend!” — Patty H.(Chapter 13)

Chapter 11: Reorganization for Businesses and High-Debt Individuals

When a local Palatka business needs to restructure its finances to stay operational, or when an individual’s debt exceeds the strict limits allowed in Chapter 13, we evaluate Chapter 11 as a flexible alternative. This chapter allows the debtor to remain “in possession” of their assets and continue business operations while proposing a customized reorganization plan to the court. It is a sophisticated legal strategy we apply for our clients that allows the renegotiation of leases and contracts to ensure the entity’s long-term viability.

Legal Disclaimer: Prior results do not guarantee a similar outcome. Case studies and testimonials reflect the specific facts of those matters and may not be representative of all cases

From Overwhelmed to Debt-Free: Your Journey

We strive to make this process feel human. You aren’t just a case number at the Bryan Simpson Courthouse; you are a neighbor who deserves a second chance.

The Strategy Session: Whether you’re in Palatka or Crescent City, we’ll look at what you owe and what you want to protect—your home, your car, and your future.

Paperwork & Filing: We handle the heavy administrative lifting required by the Middle District of Florida. While you complete mandatory online credit counseling, our team drafts your petition.

The Shield Goes Up: The moment we file, the Automatic Stay freezes lawsuits, garnishments, and collection efforts.

Virtual Court: Your 341 Meeting of Creditors via Zoom from your home, guided by your attorney.

Your Discharge: It usually takes 4-6 months to receive a discharge in Chapter 7 and 3 to 5 years in a Chapter 13. Once you receive your discharge, you are no longer bound to repay the discharged debts.

We Help You Choose the Right Bankruptcy Chapter

• Chapter 7 Bankruptcy – Fastest route to eliminating unsecured debts like credit cards and medical bills (typically within a few months).
• Chapter 13 Bankruptcy – A repayment plan spread over 3–5 years to help you catch up on overdue payments while keeping your home, car, and other property.
• Chapter 11 Bankruptcy – Typically used by businesses, but also available for individuals with large, complex debts.