Bankruptcy Attorney in Santa Rosa County, FL
Quick Summary
The Challenge: Overwhelming debt and the threat of creditor actions, including wage garnishment or foreclosure, in Santa Rosa County, FL.
Chapter 7 (Liquidation): Provides the quickest path to relief (4–6 months) by discharging most unsecured debts (like credit cards and medical bills), with Florida exemptions helping clients retain essential property.
Chapter 13 (Repayment Plan): Designed for individuals with steady income, it offers a structured 3–5 year repayment plan, which is ideal for clients who need to protect valuable property (like a home or car) and catch up on missed payments.
The Process: Filing immediately triggers the automatic stay, a critical protection that instantly halts most collection actions, including foreclosures, lawsuits, and wage garnishments.
Bottom Line: Stiberman Law offers over a decade of experience and bilingual support (English and Spanish) to Santa Rosa County residents, simplifying the bankruptcy process (Chapter 7, 13, or 11) to help them eliminate debt, protect assets, and achieve a financial fresh start.
Practical guidance for long-term debt solutions.
Written By: Attorney Robert Stiberman | Updated 10/3/2025
Why a Bankruptcy Lawyer in Santa Rosa County Matters
When overwhelming debt becomes too much to manage, having the right legal advocate can make all the difference. A skilled bankruptcy attorney ensures you fully understand your options, helps you determine the right type of bankruptcy for your situation, and stands by your side throughout the process.
At Stiberman Law, we have more than a decade of experience guiding Florida residents, including those in Santa Rosa County, toward financial recovery. Our approach is rooted in clarity, support, and practical solutions designed to give you the fresh start you deserve.
How the Bankruptcy Process Works
Filing for bankruptcy in Santa Rosa County falls under federal jurisdiction, but local procedures can complicate matters if you attempt to go through the process without guidance. Our firm streamlines the process by:
- Offering a free consultation to evaluate your debt and financial standing
- Helping you determine whether Chapter 7, Chapter 13, or Chapter 11 is the right fit
- Preparing and electronically filing all necessary documentation
- Ensuring creditor harassment, lawsuits, and garnishments stop through the automatic stay
- Representing you during your trustee meeting
- Working toward either a quick debt discharge or a structured repayment plan
Why Clients Choose Stiberman Law
Our clients appreciate more than just legal paperwork—they rely on us for protection, peace of mind, and personalized care. We explain every step in plain language, handle strict deadlines on your behalf, and provide bilingual support in English and Spanish.
Client Case Study
One client came to us burdened with more than $50,000 in unsecured debt. Through a Chapter 7 filing, most of this debt was eliminated within half a year, giving them the breathing space to start over financially.
STEP 1
Free Consultation
We begin with a free consultation to review your debts, assets, and financial situation. This helps determine whether bankruptcy is the right solution for you.
STEP 2
Depending on your circumstances, you may qualify for Chapter 7 (debt discharge through liquidation), Chapter 13 (structured repayment plan), or Chapter 11 (reorganization, often used by businesses or individuals with significant debt). We’ll explain the differences and recommend the best option for your needs.
STEP 3
Our team helps you gather financial documents and prepares all the required forms. We file your case electronically with the U.S. Bankruptcy Court for the Middle District of Florida, Tampa Division, which covers Winter Haven.
STEP 4
Once your case is filed, an automatic stay immediately stops most collection actions, lawsuits, and wage garnishments.
STEP 5
You’ll attend a brief meeting with a court-appointed trustee. An attorney from Stiberman Law will be by your side to make sure you’re prepared and supported.
STEP 6
If you file Chapter 7, eligible debts are discharged in as little as four to six months. If you file Chapter 13, you’ll enter into a three- to five-year repayment plan before remaining eligible debts are wiped out. If you file Chapter 11 as a business, you’ll propose a reorganization plan that restructures obligations while allowing you to remain operational.
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.
Understanding Bankruptcy Options
Chapter 7 – Known as “liquidation bankruptcy,” this option clears most unsecured debts. Florida exemption laws often allow you to keep your home, car, and essential belongings.
Chapter 13 – The “wage earner’s plan” involves repayment over three to five years, protecting your assets while giving you time to get back on track.
Chapter 11 – Typically used for businesses or those with high debt, this reorganization option lets you continue operating while restructuring obligations.
Bankruptcy and Debt Relief Services in Santa Rosa County
We offer comprehensive services for individuals, families, and businesses, including:
Chapter 7
Chapter 7 bankruptcy for a quick resolution of unsecured debt
Chapter 13
Chapter 13 bankruptcy for repayment plans that protect assets
Chapter 11
Chapter 11 bankruptcy for business owners and individuals with significant debt
Foreclosure
Wage garnishment protection to safeguard your paycheck.
– Your experienced bankruptcy attorney
Lern More About Our Founding Attorney
Here’s a 5-star review from our client:
Very professional while filing my bankruptcy case. Very helpful team that were always available to answer my questions. Every-time I called, Angel and Jesse were always there! Thank you Stiberman Law !
George Constantine Dardoufas
Robert Stiberman
Frequently Asked Questions About Bankruptcy in Santa Rosa County
What debts can bankruptcy eliminate?
Will filing for bankruptcy stop foreclosure or wage garnishment?
Is there a debt minimum required to file?
How long does the process take?
Start Your Path to Relief in Santa Rosa County
Debt does not have to control your future. At Stiberman Law, we help Santa Rosa County residents find real solutions through bankruptcy and debt relief. From your first consultation to the final resolution, we stand by your side every step of the way.
Contact Stiberman Law today to schedule a free consultation and begin your journey toward financial stability.