Chapter 7 Bankruptcy Lawyer in West Palm Beach

Start the Path to Financial Freedom — Schedule a Consultation with our Chapter 7 Law Firm in West Palm Beach Today

Robert Ariel StibermanClients’ ChoiceAward 2022 FREE CONSULTATION

Looking for a bankruptcy attorney in West Palm Beach? Here are some of our reviews:

  • C.B.starstarstarstarstar5.0
    So glad I found Stiberman after looking for a bankruptcy attorney in West Palm Beach! I feel like a huge burden has been lifted thanks to my Chapter 7 Bankrupcty. Robert sat down with m Read More
    October 21, 2022logo
  • W.Jstarstarstarstarstar5.0
    I was looking for a good bankruptcy lawyer, and my research I stumbled upon Stiberman and I was very happy with his work he has done with for me.
    June 24, 2022logo
  • Y.Mstarstarstarstarstar5.0
    I came to this office considering filing for bankruptcy after I had a loss of income. I spoke to Robert and we discussed the differences between a chapter 7 and chapter 13. He recommend Read More
    November 17, 2020logo
  • C.B.starstarstarstarstar5.0
    So glad I found Stiberman after looking for a bankruptcy attorney in West Palm Beach! I feel like a huge burden has been lifted thanks to my Chapter 7 Bankrupcty. Robert sat down with m Read More
    October 21, 2022logo
  • W.Jstarstarstarstarstar5.0
    I was looking for a good bankruptcy lawyer, and my research I stumbled upon Stiberman and I was very happy with his work he has done with for me.
    June 24, 2022logo
  • Y.Mstarstarstarstarstar5.0
    I came to this office considering filing for bankruptcy after I had a loss of income. I spoke to Robert and we discussed the differences between a chapter 7 and chapter 13. He recommend Read More
    November 17, 2020logo

Are you considering filing for Chapter 7 bankruptcy in West Palm Beach, FL? If you’re struggling to pay your bills, filing for bankruptcy could help. Many families get into debt through no fault of their own. Unexpected medical problems, corporate downsizing or an accident can leave you in a difficult financial position.

Filing for Chapter 7 bankruptcy is a complex process and it isn’t always the right fit. You need to speak with a West Palm Beach Chapter 7 bankruptcy lawyer to understand your options. Our experienced, local bankruptcy law firm can handle the entire process on your behalf.

Stiberman Law, P.A., helps struggling families understand their options for handling overwhelming debts. We can look at your specific situation and make comprehensive recommendations. Depending on your circumstances, we may recommend filing for Chapter 7 bankruptcy.

Threats of lawsuits, wage garnishment, and endless calls from creditors can feel overwhelming and scary, but debt relief may be available for West Palm Beach residents. When you can’t pay your bills and your debt is growing, filing for bankruptcy may be the best option to create a new path forward, but you shouldn’t try to navigate this process alone. At Stiberman Law, P.A., you can work with Robert Stiberman, an experienced Chapter 7 bankruptcy lawyer in West Palm Beach who will fight for your best interests and help you move forward into a more secure, confident financial future.

How Does Chapter 7 Bankruptcy Work?

When you file for Chapter 7 bankruptcy in Florida, all collection efforts are halted. This means that collection agencies will stop calling and you’ll get some breathing room to figure out your next steps.

Your West Palm Beach Chapter 7 bankruptcy lawyer will help you list all of your current debts. It’s important to pull a current credit report to ensure you have every debt listed in your filing. If you forget to include a creditor in your filing, the debt you owe them will not be discharged through the bankruptcy.

Your assets are accounted for and divided into two categories: exempt and non-exempt. Exempt assets may include a home, a personal vehicle or a pension. There are specific limits for the value of exempt items. Your bankruptcy attorney will be able to help you identify and account for your exempt assets in your filing.

Your non-exempt assets, if you own any, will be transferred to a trustee. The trustee is responsible for liquidating your non-exempt assets in an effort to satisfy your creditors. In some cases, you may be able to purchase some of your assets back from the trustee as part of a Chapter 7 bankruptcy.

The proceeds from the sale of your non-exempt assets are transferred to your creditors. If you’ve followed all of the steps correctly, you will emerge from Chapter 7 bankruptcy with little to no outstanding debt obligations.

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Understanding Chapter 7 Bankruptcy

Chapter 7 bankruptcy is also referred to as liquidation bankruptcy. During this process, you’ll report all your debt information and income, and as soon as the bankruptcy filing begins, all secured and unsecured creditors must cease collection attempts.

Bankruptcy cases filed by Palm Beach County residents are heard in the West Palm Beach Division of the Bankruptcy Court.

A bankruptcy trustee, that handles cases in the West Palm Beach Division will be assigned to your case, and will assess your personal property and gather your nonexempt valuable assets, such as a second vehicle or money in a savings account.

The trustee may seek to sell off those assets to pay off as much of your debt as possible, and after this is complete, any eligible, unsecured debt that is not paid is discharged by the bankruptcy court. This means you are no longer responsible for paying these debts and creditors can no longer attempt to collect. From start to finish, the process takes between three and six months.

A Chapter 7 bankruptcy attorney from Stiberman Law, P.A., will fight to have as much of your debt eliminated as possible to ensure you’re starting over with a clean slate and a secure future.

Attorney Robert Stiberman is Chapter 7 Bankruptcy lawyer In West Palm Beach

Eligible Debt

The following types of unsecured debts can be discharged during Chapter 7 bankruptcy:

  • Medical bills
  • Credit card debt
  • Payday loans
  • Old utility bills
  • Unsecured personal loans
  • Tax debt (in some instances)
  • Vehicle repossession debts

Ineligible Debt

These types of debt are not eligible for a bankruptcy discharge:

  • Most student loans
  • Income tax or property tax debts (especially recent taxes)
  • Alimony
  • Child support
  • Civil judgments, such as fines or payments owed in a personal injury case.
  • Secured debts, such as your mortgage or car loan. Though if you are evicted, or your car is repossessed, any fees or debts related to those will be discharged.
Why Choose Stiberman Law as Your Chapter 7 Lawyer West Palm Beach

Do I Need to Hire a West Palm Beach Chapter 7 Bankruptcy Lawyer?

You do have the option to file for bankruptcy on your own. You will need to pay the filing fees to the court, as well as any fees charged by the trustee responsible for liquidating your assets and satisfying your creditors.

Stiberman Law, P.A., has an entire team of bankruptcy lawyers. We don’t believe in a one-size-fits-all approach. Every situation is unique. That’s why we help our clients take advantage of all of the options available to them.

When you hire Stiberman Law to handle your West Palm Beach bankruptcy filing, you can rest assured that the entire process is being managed by a team that cares about your financial future. Our clients know that all of their debts are being properly handled and every step is completed as efficiently as possible. By hiring an experienced bankruptcy attorney to handle your filing, you can save yourself the hassle and aggravation of completing complex paperwork, meeting strict deadlines and appearing in court for every hearing.

Stiberman Law, P.A., offers payment plans to make hiring a bankruptcy attorney more affordable. We know that this is a difficult time. Our goal is to help you get started on a better chapter in your life as quickly and easily as possible.

Why Choose Stiberman Law as Your Chapter 7 Lawyer

While it’s not a legal requirement to have a Chapter 7 attorney file bankruptcy on your behalf, it is highly beneficial and recommended. This is a complex legal procedure that can be difficult to navigate on your own. Having an advocate can reduce your stress as well as improve your outcome by:

 

Stiberman Law has been serving clients in West Palm Beach and the surrounding area since 1998. With over 100 5-star reviews, you can feel confident that you will work with a bankruptcy attorney with the experience and knowledge needed to help you secure a faster process and a more favorable outcome. From your first free consultation to the completion of your bankruptcy case, we’re by your side to help you through the process:

In addition to our legal counsel and experience, we offer you an affordable way to file for bankruptcy.

Schedule a Free Consultation with a West Palm Beach Chapter 7 Bankruptcy Lawyer

Our team has handled hundreds of bankruptcy filings in Florida. Every situation is unique. Relying on self-help tools, like a Google search, could mean that your bankruptcy filing is less effective. If you forget to account for all of your debts, or miss a deadline, you could end up spending a lot of time and money without getting out from under your creditors.

Let us help you understand your options. It all starts with a 100% free consultation with a bankruptcy attorney at Stiberman Law, P.A.. We aren’t here to judge. We’re standing by to give you answers you can rely on.

Frequently Asked Questions About Chapter 7 Bankruptcy

We understand you have questions and concerns. To help you better understand the process, we’re sharing some information related to our most frequently asked questions about Chapter 7 bankruptcy.

Schedule a Free Consultation
with a West Palm Beach Chapter 7 Lawyer Today

If you are ready to break free from medical debt, credit card bills, and more, we can help. Schedule a free consultation with our law firm today by calling (954) 932-7804 or filling out the form below to get started.

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