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Benefits of Filing Bankruptcy

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Get a new lease on life. The sooner you contact us, the sooner you can start over.

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Protect your assets. Our team will deal with creditors immediately.

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Get the chance to eliminate your debt and start rebuilding your future today.

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Find out how to file for Bankruptcy, including $0 down bankruptcies and whether Chapter 7 or 13 is right for you.

7

Chapter 7

Get your debt forgiven after you liquidate non-exempt assets to pay as much debt as possible with Chapter 7.

11

Chapter 11

If you don't qualify for Chapter 7 or Chapter 13, the more flexible Chapter 11 can offer you great benefits.

13

Chapter 13

Resolve your debt on a payment plan without the need to liquidate your assets with Chapter 13 bankruptcy.

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More than a decade of experience handling complex bankruptcy filings in Florida.

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FAQ

What is Bankruptcy?

Bankruptcy is an important tool available to people in Florida that are struggling with debt. Many people end up in debt due to expensive medical bills or accidents. The U.S. government created federal bankruptcy courts to provide borrowers and lenders with a way to resolve financial challenges.

There are multiple types of bankruptcy. They’re referred to by their corresponding Chapter in the U.S. Bankruptcy Code.

Why do people file for Bankruptcy?

Filing for bankruptcy in Florida is a difficult decision to make. It means that you are experiencing extreme financial difficulties and you do not believe you are capable of paying off everything you owe without some relief.

Many people in Florida find themselves declaring bankruptcy due to medical bills or a business failure. A major illness should not mean that you are financially destitute for the remainder of your life. If your company runs into difficult times, you need a strategy to be able to rebuild and achieve financial security for your family.

If filing for bankruptcy is an option you’d like to explore, we invite you to contact the Florida bankruptcy experts at Stiberman Law. Our compassionate team is here to support you in understanding your options and executing a plan to help you reset your finances.

Who can file bankruptcy?

Every individual and corporation in the United States has access to the bankruptcy court. Chapter 7 bankruptcy is available to individuals that pass a two-part means test. This test looks at your income in relation to the size of your family and the total debts that you owe.

Chapter 11 bankruptcy is typically used by companies in Florida to restructure their debt. Individuals in Florida may be eligible to file for Chapter 11 in Florida if their secured and unsecured debts exceed the limits set forth for a Chapter 13 filing, and they wish to reorganize their debts instead of liquidating them in a Chapter 7 filing.

Chapter 13 bankruptcy is available to established Florida residents that have a level of regular income that will allow them to make payments towards their debts. Their total unsecured debt must be lower than $383,175. Their total secured debt must be lower than $1,149,525.

What is a Chapter 13 bankruptcy?

Filing for Chapter 13 bankruptcy in Florida means that the borrower wishes to reorganize or restructure their debts with their creditors. One of the key features is that it allows homeowners to catch-up on their mortgage payments, completely stopping a foreclosure. There are limitations to the amount of debt a borrower can have when they file for Chapter 13 bankruptcy.

We invite you to learn more about Chapter 13 bankruptcies by scheduling a free consultation with an experienced Florida bankruptcy attorney from Stiberman Law.

What is a Chapter 7 bankruptcy?

Filing for Chapter 7 bankruptcy in Florida is the fastest and cheapest way to get a fresh start on your finances. Borrowers will need to pass a means test – based on your income, the size of your family and your disposable income. This type of bankruptcy filing allows you to protect your exempt assets, which may include your home and your vehicle, as well as your pension. Other non-exempt assets will be liquidated. The proceeds will be used to satisfy your creditors.

You can learn more about Chapter 7 bankruptcy by scheduling a free consultation with a Florida Chapter 7 bankruptcy lawyer from Stiberman Law

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