Bankruptcy Attorney in Volusia County, FL

Smart legal solutions for lasting debt relief.

Written By: Attorney Robert Stiberman | Updated 1/23/2026

Strategic Debt Recovery for the Historic Heart of Central Florida

Stiberman Law, P.A. proudly offers reliable and affordable bankruptcy and debt-relief services to residents across Daytona Beach, DeLand, Deltona, and the wider Volusia County area. In a region where economic changes can affect everything from the hospitality scene to property prices, our team is here to provide the expert legal guidance you need to stop foreclosure and lighten overwhelming debts. Led by attorney Robert Stiberman, a member of The Florida Bar with more than 17 years of experience, we’re committed to helping Volusia County residents confidently navigate the federal bankruptcy system with care and precision. Robert is admitted to practice in the Middle District of Florida, which has jurisdiction over bankruptcy filings in Volusia County.

Navigating Volusia County Foreclosure & Garnishments

Our Volusia County practice focuses on delivering swift relief to residents facing legal proceedings at the Volusia County Courthouse. Whether you’re confronted with a wage garnishment from a credit card company or an upcoming foreclosure auction through the Volusia RealForeclose portal, we leverage our deep knowledge of available bankruptcy protections to stop these actions immediately.

• Save Your Home: We carefully prepare a Chapter 13 reorganization plan that lets you make monthly payments to catch up on mortgage arrears for properties in DeLand, Ormond Beach, and New Smyrna Beach.

• Stop the Auction:  We offer emergency filing services to prevent foreclosure sales conducted by the Volusia County Clerk.

• Asset Protection: We strategically apply Florida’s bankruptcy exemptions to maximize the protection of your assets. This includes securing the equity in your motor vehicles and ensuring the strongest possible defense for your primary residence through the Homestead Exemption.

• Medical Debt Relief: We assist families across the county in eliminating medical bills that often accumulate during times of financial crisis.

Understanding Your Options: Chapters 7, 11, and 13

Each financial situation in Volusia County is distinct, which is why we provide customized strategies across various chapters of the Bankruptcy Code.

• Chapter 7 (Liquidation): This option is best for individuals with significant unsecured debt and limited assets. We will guide you through the Florida Means Test to ensure your eligibility.

• Chapter 13 (Reorganization): This chapter is commonly used to prevent foreclosure on your home. It allows individuals to propose a court-approved repayment plan that typically spans 3 to 5 years. During this period, you can repay any overdue amounts, known as arrears, gradually while simultaneously keeping your assets, including your home. This repayment plan is based on your current income and expenses and helps ensure you can manage your financial obligations without losing your property. By adhering to the plan, you not only catch up on missed payments but also establish a path toward financial stability.

• Chapter 11 (Business/High-Debt): This option allows for financial restructuring to maintain business operations while fulfilling creditor obligations.

The Stiberman Law Experience: What to Expect

When you reach out to Stiberman Law, you start a clear path toward financial recovery. We understand how stressful debt can be. Our process is designed to be straightforward and supportive.

1. Initial Strategy Session: We offer a free consultation to review your finances, explain the statute of limitations on debt in Florida, and determine the best legal course of action.

2. Case Preparation: Our team assists in gathering the necessary documents to file for bankruptcy, ensuring your petition is accurate and complete to satisfy the court’s requirements in the Orlando Division.

3. The Filing & The Stay: Once filed, the Automatic Stay goes into effect, providing immediate protection from all collection activities. No more phone calls, no more letters, and no more fear of repossession.

4. Ongoing Representation:  From your initial 341 Meeting of Creditors to the moment you receive your final discharge, attorney Robert Stiberman is committed to offering you clear and effective communication at every stage of the process. With his extensive legal expertise, he provides personalized representation, ensuring that you fully understand each aspect of your case and feel supported throughout the journey to financial relief.

Jurisdictional Expertise: Middle District of Florida (Orlando Division)

For residents of Volusia County facing the challenges of federal bankruptcy proceedings, all matters are handled by the United States Bankruptcy Court for the Middle District of Florida, Orlando Division. We are here to offer compassionate and professional representation at the George C. Young United States Federal Building and Courthouse, located at 400 W. Washington Street, Orlando. We understand the stress of this situation, and our deep knowledge of local rules ensures that your case is handled with care, professionalism, and technical accuracy. You are not alone in this process, and we are committed to supporting you every step of the way.