Bankruptcy Attorney in Saint Augustine, FL

Guiding you toward financial stability with trusted solutions.

Written By: Attorney Robert Stiberman | Updated 1/30/2026

Why Work With A Bankruptcy Lawyer In Saint Augustine

If you live in St. Augustine, St. Augustine Beach, Ponte Vedra, or anywhere in St. Johns County and are struggling with unmanageable debt, Stiberman Law, P.A. is here to help. We serve as your trusted advocate in the federal bankruptcy system, guiding you from St. Johns County to the Jacksonville Division of the Middle District of Florida so you can protect what matters most and move toward lasting financial stability.

At Stiberman Law, we’ve been helping Floridians for over a decade. Our focus is on giving clients the tools, support, and representation they need to achieve meaningful debt relief and a brighter financial future.

Why Clients Choose Stiberman Law

Experience You Can Trust

Led by Robert Stiberman, our firm brings over 25 years of Florida legal experience and more than 17 years focused exclusively on bankruptcy law. We have guided thousands of individuals and families through Chapter 7 and Chapter 13 cases in courts throughout Florida, helping them eliminate debt and regain financial stability.

Local Court Knowledge

Bankruptcy law is federal, but outcomes depend heavily on local trustees, court procedures, and filing standards. We regularly practice in the Middle District of Florida and understand what is required to successfully navigate cases filed in the Jacksonville Division, giving our clients a meaningful strategic advantage.

Personalized, Hands-On Representation

Our clients work directly with a dedicated legal team that takes the time to explain each step of the process and answer questions clearly. As one recent client shared after completing a Chapter 13 case:

“I’ve had a wonderful experience working with this team. Angel, Lorena, Jessi, Norma, and Mr. Stiberman himself were very helpful with my bankruptcy. They answered all of my questions and were SUPER FRIENDLY about it. They made what could’ve easily been an overwhelming experience seem fairly simple. Thank you to this amazing group!”
— Anthony O., St. Augustine, FL Resident

This kind of feedback reflects our commitment to making a complex legal process feel manageable and transparent.

Direct Attorney Involvement

“I personally oversee each case, ensuring accuracy, preparation, and compliance with court expectations—while our experienced staff remains accessible and responsive throughout your case.” Robert Stiberman, Esq.

Results That Restore Confidence

Whether stopping creditor harassment, restructuring debt through Chapter 13, or securing a full discharge in Chapter 7, our focus is on achieving results that allow clients to move forward with confidence and peace of mind.

How We Help the St. Augustine Community

Below is a summary of what you can expect when you fire Stiberman Law to help you resolve your debt issues:

A clear and informative free consultation to help you explore your debt relief options, including:

Chapter 7 Bankruptcy: The “Fresh Start”

Chapter 7 is the most common form of bankruptcy we recommend to our clients looking to wipe the slate clean of unsecured debt. Most debts, such as credit card balances, medical bills, and personal loans, are dischargeable. We apply Florida’s powerful exemptions to ensure you keep most, if not all, of your property. The process from start to finish usually lasts between 4 and 6 months.

Chapter 13 Bankruptcy: The “Reorganization”

We recommend Chapter 13 to our clients with stable incomes looking to save their homes from foreclosure or protect their vehicles from repossession. This reorganization plan allows you to consolidate missed mortgage or car payments into a single, manageable monthly installment while keeping your property. We use federal bankruptcy law to immediately stop creditor harassment, giving you the breathing room you need to repay your debts on your own terms. A Chapter 13 plan lasts between 3 and 5 years, after which any remaining unsecured debts are often discharged in full.

Debt Settlement: The “Negotiated Reset”

We provide Debt Settlement services as a strategic alternative for clients seeking to resolve their debts without filing for bankruptcy. Our team negotiates directly with creditors to settle unsecured debts, such as credit cards and medical bills. This tailored approach enables you to regain financial control and eliminate your obligations, typically within 24 to 48 months, while also avoiding the public record associated with bankruptcy.

Unlike national debt relief companies, we can represent you in bankruptcy if negotiations do not go as planned.