Stiberman’s Blog
Helping clients across Florida achieve financial freedom, since 1998.
Chapter 7 Vs Chapter 13 Bankruptcy: Which Is Right For You? (2026)
If you’re choosing between Chapter 7 vs Chapter 13 bankruptcy, learn the differences between them to choose which option is right for you.
Can I Be Sued for Charged-Off Debt in Florida? (Statute of Limitations Guide)
Key Takeaways “Charged-off” is accounting—not forgiveness. In Florida, collectors generally have up to five years to sue on most debts founded on a written instrument. Filing bankruptcy typically stops lawsuits immediately (automatic stay) and, when the debt...
Cancel Your Bankruptcy in Florida? Read This Before You Act
At a Glance There’s no “cancel button”: You can dismiss a case, convert it to a different chapter, or let the court dismiss it for non-compliance—each path has tradeoffs.Chapter 13: Debtors generally may file a notice of voluntary dismissal (11 U.S.C. § 1307(b)), but...
Florida Veterans and Debt Relief with Stiberman Law
Legally reviewed by attorney Robert Stiberman At a Glance VA & DoD disability benefits — Generally protected from creditors and excluded from the bankruptcy means test after the HAVEN Act (11 U.S.C. § 101(10A)). VA benefits & garnishment — VA benefits are...
Can Bankruptcy Clear Parking Tickets & Fix Suspended Licenses in FL?
At a Glance Parking tickets are government fines—a Chapter 7 discharge generally does not wipe them out under 11 U.S.C. § 523(a)(7). In Chapter 13, those civil penalties are often treated as unsecured claims paid through your plan and, in many courts, can be...
Can Bankruptcy Remove a Judgment Lien in Florida?
At a Glance Money judgments vs. judicial liens in Florida: Bankruptcy usually wipes your personal duty to pay most money judgments. But a recorded judicial lien can still attach to property until it’s removed. If the lien cuts into a valid Florida exemption (including...
Legal Credit Repair in Florida: An Attorney’s Guide to Rebuilding
At a Glance How to rebuild credit: Pay bills on time, keep balances low, and consider a secured card or credit-builder loan from a Florida credit union. Florida gives you extra rights: State law (FCCPA) goes beyond federal protections when collectors cross the line....
7 Critical Mistakes to Avoid Before Filing Bankruptcy in Florida
Unsure if you've already made a mistake? Schedule a free case review so we can fix it before you file. At a Glance ❌ STOP: Using credit right before filing: new charges or cash advances close to filing may be questioned by the court. Moving or transferring property:...
How to Afford a Bankruptcy Lawyer in Florida (Payment Plans Available)
At a Glance The Challenge: Paying for a lawyer while in debt feels impossible. Chapter 7: Attorneys usually charge a flat fee before filing, but many offer installment plans. Chapter 13: Fees are often built into the repayment plan, so little or no money may be...