By Robert A. Stiberman, Esq., Member of The Florida Bar since 1998, representing Florida bankruptcy clients since 2009. Last reviewed: June 2026.

If debt has become unmanageable anywhere in Palm Beach County, bankruptcy can give you a court-protected fresh start. From West Palm Beach and Boca Raton to Delray Beach, Jupiter, and Wellington, we help county individuals and businesses stop foreclosure, garnishment, and creditor lawsuits and choose the right chapter, and we handle the case from filing through discharge.

Which Court Will Hear Your Palm Beach County Case

Palm Beach County cases are filed in the U.S. Bankruptcy Court, Southern District of Florida, West Palm Beach Division, at the Flagler Waterview Building, 1515 North Flagler Drive, Suite 801, West Palm Beach, FL 33401. Your § 341 meeting of creditors is administered through this division (now held by video in the Southern District), and we prepare you fully and attend with you.

How We Help Palm Beach County Residents and Businesses

• Chapter 7, erase qualifying debt in about four months and get a fresh start.
• Chapter 13, stop foreclosure and keep your home or car on a 3-to-5-year plan.
• Chapter 11 / Subchapter V, reorganize a Palm Beach County business while keeping it open.
• Wage garnishment defense, including Florida’s head-of-household exemption.

Stopping Wage Garnishment in Palm Beach County

If a creditor is garnishing your paycheck, or is about to, you have options. Filing bankruptcy triggers the automatic stay (11 U.S.C. § 362), which legally stops most wage garnishments the moment your case is filed. Florida law also offers strong protection on its own: under the head-of-household exemption (Fla. Stat. § 222.11), the wages of someone who provides more than half the support for a child or other dependent are generally exempt, earnings up to $750 a week are fully protected, and higher earnings stay protected unless you agreed to the garnishment in writing. We review whether that exemption applies to you, file the exemption claim, and, where bankruptcy is the right tool, use it to stop the garnishment and resolve the underlying debt. For more, see our Florida wage garnishment page.

Florida Exemptions That Protect Your Property

Florida’s exemptions protect most filers’ essential property: the homestead (primary residence, subject to acreage and the federal cap for recent buyers, Fla. Const. Art. X, § 4), head-of-household wages (§ 222.11), retirement accounts, up to $5,000 of motor-vehicle equity (Fla. Stat. § 222.25(1)), and a $4,000 wildcard if you don’t claim the homestead. Most Chapter 7 filers keep everything they own.

Cities We Serve Across Palm Beach County

We represent clients throughout Palm Beach County, including West Palm Beach, Boca Raton, Boynton Beach, Delray Beach, Jupiter, Palm Beach Gardens, Wellington, Lake Worth Beach, Royal Palm Beach, Greenacres, Riviera Beach, and Belle Glade. For city-specific guidance, see our dedicated West Palm Beach and Boca Raton pages.

Real Results for Palm Beach County Clients

We’ve guided Palm Beach County residents through Chapter 7 and Chapter 13, and represented county businesses in reorganization. In one Palm Beach County matter, we filed an emergency Subchapter V for an e-commerce manufacturer after a lender froze its merchant and online-marketplace accounts, restored operations, and confirmed a plan on a consensual basis so the business survived. In our clients’ words:

“If you are looking for a great bankruptcy attorney in Palm Beach County, Stiberman Law are the ones to go with. They were friendly, professional, and very attentive.”, Daniela C., West Palm Beach

“The first day I met with Stiberman Law I knew I was in the right place. Everything was explained perfectly and very professional.”, Carol R., Palm Beach Gardens

“They are hardworking, very honest, and do everything they say they will. If you need a great attorney with a great staff in the Palm Beach area, he is the one to use.”, Harry T., Wellington

More anonymized outcomes on our Results page. Past results do not guarantee a similar outcome.

Why Work With Stiberman Law

Robert A. Stiberman has been a member of The Florida Bar since 1998, has focused on bankruptcy since 2009, and is admitted in all three of Florida’s federal districts. The firm has filed more than 2,500 Florida bankruptcies since 2009, earned 300+ five-star reviews, and holds the Avvo Clients’ Choice Award (2025) and Martindale-Hubbell Platinum Client Champion (2025). We handle Palm Beach County cases in the West Palm Beach Division from filing through discharge, in English and Spanish.

Frequently Asked Questions

Where do I file bankruptcy if I live in Palm Beach County? In the Southern District of Florida, West Palm Beach Division. Most filers attend only the § 341 meeting of creditors, now held by video; we prepare you and attend with you.

Can bankruptcy stop a wage garnishment in Palm Beach County? Yes. The automatic stay halts most garnishments the moment you file, and Florida’s head-of-household exemption (Fla. Stat. § 222.11) fully protects many workers’ wages even outside bankruptcy.

Can I keep my house if I file in Palm Beach County? For most long-term homeowners, yes, Florida’s homestead exemption protects your equity, and Chapter 13 can stop a foreclosure and let you catch up.

Is there a minimum amount of debt to file? No. What matters is whether your debt is unmanageable given your income and circumstances.

Talk to a Palm Beach County Bankruptcy Attorney

Free, confidential consultation. We meet Palm Beach County clients by appointment; our principal office is in Hollywood, Florida (2601 Hollywood Blvd, Hollywood, FL 33020). Call 954-218-5556 or request a consultation online. Firmwide, we’ve filed more than 2,500 Florida bankruptcies since 2009.

This article is general information, not legal advice. Outcomes depend on the specific facts of your case.