Bankruptcy Attorney in Volusia County, FL
Quick Summary
The Challenge: Mounting debt creating stress and uncertainty for residents in Volusia County.
Chapter 7: Provides the fastest financial relief (4–6 months) by discharging most unsecured debts (credit cards, medical bills), with Florida exemptions allowing clients to keep essential assets.
Chapter 13: Offers a structured 3–5 year repayment plan, which is ideal for clients with steady income who need to catch up on missed payments and protect valuable property from foreclosure.
The Process: Filing immediately triggers the automatic stay, a powerful court protection that instantly halts collection actions, lawsuits, foreclosure attempts, and wage garnishments.
Bottom Line: Stiberman Law simplifies the process, leveraging over 12 years of experience to guide individuals and businesses toward financial stability and a fresh start in Volusia County.
Smart legal solutions for lasting debt relief.
Written By: Attorney Robert Stiberman | Updated 9/22/2025
Why Residents of Volusia County Work With a Bankruptcy Lawyer
Mounting debt can leave anyone feeling overwhelmed and uncertain. A knowledgeable bankruptcy lawyer helps you evaluate your options, explains how the law applies to your situation, and advocates for your financial future.
At Stiberman Law, we’ve spent more than 12 years guiding Florida families and businesses—including those in Volusia County—through bankruptcy. Our mission is simple: to simplify the process, protect your assets when possible, and set you on a path toward stability.
How Bankruptcy Works in Volusia County
Bankruptcy cases in Volusia County are overseen by the U.S. Bankruptcy Court for the Middle District of Florida. Although federal rules apply across the state, local practices can be challenging without an experienced attorney.
The process generally begins with a free consultation to evaluate your financial circumstances.
Together, we determine whether Chapter 7, Chapter 13, or Chapter 11 is right for you. Once your case is filed, the automatic stay immediately halts collection actions, lawsuits, garnishments, and foreclosure attempts. You’ll then attend a brief trustee meeting, after which your debts may either be discharged or placed in a repayment plan.
Case Study: A Client Success Story
A client came to us with more than $50,000 in credit card and medical bills. By filing Chapter 7, we were able to discharge most of the debt within a few months, providing them with the opportunity to rebuild their financial life without constant creditor pressure.
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.
A Closer Look at Bankruptcy Chapters
Chapter 7, often called “liquidation,” clears most unsecured debts and allows many clients to keep essentials such as their home, car, and personal belongings under Florida exemption laws.
Chapter 13 is better suited for wage earners with steady income. It creates a manageable repayment plan that lasts three to five years, giving time to catch up on overdue payments while protecting assets.
Chapter 11 is typically used by companies but is also available to individuals with substantial obligations. It restructures debts so operations or daily life can continue while a repayment plan is carried out.
Services We Provide in Volusia County
Our firm offers complete bankruptcy and debt relief services, including:
Chapter 7
Chapter 7 bankruptcy for rapid elimination of unsecured debt
Chapter 13
Chapter 13 bankruptcy to restructure payments over time while keeping property safe
Chapter 11
Chapter 11 bankruptcy for individuals and businesses with significant debt loads
Foreclosure
wage garnishments
– Your experienced bankruptcy attorney
Lern More About Our Founding Attorney
Here’s a 5-star review from our client:
Mr. Stiberman and his team provided us with great service and attention. You can work with him analyzing pros and cons because he listens to your needs and concerns.
Robert Stiberman
Frequently Asked Questions About Bankruptcy in Volusia County
What debts can bankruptcy eliminate?
Does filing bankruptcy stop foreclosure and wage garnishment?
Do I need a specific debt amount to file?
How long does the bankruptcy process take?
Start Your Path to Financial Relief
Debt doesn’t have to control your life. Contact Stiberman Law today to schedule your free consultation and take the first step toward a fresh financial start.
Our dedicated team at Stiberman Law is ready to serve clients in Volusia County cities.