Boca Raton Chapter 7 Lawyer

Chapter 7 Bankruptcy helped our Boca Raton client stop all the harassing phone calls and lawsuits filed by his creditors

We’re a Boca Raton Chapter 7 Bankruptcy law firm with the experience and compassion to help. Through Chapter 7 Bankruptcy, our law firm has helped many clients in the Boca Raton area to discharge their unsecured debts. For example, a Boca Raton client who had almost $35K in debt from credit cards, medical bills and a judgment from a repossessed car was able to get rid of all that debt and have a fresh start. Call (954) 922-2283 to Schedule a Free Consultation.

What is a Chapter 7 Bankruptcy?

It is the most common bankruptcy filed in the US. It is typically a 90 day process to get your discharge and eliminate your debts. Most debts are dischargeable in a Chapter 7. It is the quickest bankruptcy to eliminate your debt.

Your Trusted Boca Chapter 7 Bankruptcy Lawyer

Robert Stiberman is a a highly regarded Chapter 7 Bankruptcy lawyer serving Boca Raton. Stiberman Law, has a seasoned team and a proven track record to handle your Chapter 7 Bankruptcy case.

How can we help you put an end to you Debt problems?

Bankruptcy will immediately stop all lawsuits, Wage Garnishment, and Collections - A bankruptcy can filed in as quickly as 24 hrs (sometimes same day) to stop creditors from coming after you.

Obtain lasting relief - If the Debt is discharged, the creditor will not be allowed to continue bothering you or collect on the debt.

Affordable Legal Solutions

Most of our clients are struggling financially. We offer affordable payment plans and also $0 down programs where you pay our fees over time after the case is filed. We'll evaluate your situation and work on a plan that works.

Chapter 7 Bankruptcy can be an effective way to deal with these issues:

Wage Garnishment - A wage garnishment is when a creditor starts to collect a portion of each paycheck to collect on a debt. Creditors can seek to take up to 25% of each paycheck you receive. Filing Chapter 7 Bankruptcy may be an effective way to stop the Garnishment and eliminate other debt as well.

Harassing Collection Calls – Put an end to collection calls and answer all calls with confidence.

Mortgage or Condominium Foreclosure - Bankruptcy may be an effective way to stop the foreclosure sale or process and provide tools to get current over time or seek to participate in a Mortgage Mediation Modification Program to save your home.

High Vehicle Payments - There are tools to seek to reduce your loan interest rate or loan balance if you obtained your loan more than 910 days ago.

Student Loan Debt - There's a new program for Student Loans that came out May 2021. It seeks to offer avenues to handle both Federal and Private Student Loans through Bankruptcy.

1 We get together during a Free Consultation.

2 We pull a Credit Report to understand your debts.

3 We'll recommend Bankruptcy when appropriate.

4 We prepare all the paperwork.

5 We file electronically, notify the creditors, and handle all court proceedings.

How do I protect my property when I file? Will I lose my home? Can I keep my car?

1 What kind of debts can be eliminated?

2 How long does the process take?

3 Does it affect my employment?

4 What information do I need?

5 What re the fees and costs? Our affordable payment plans? and our $0 down options.

How much does it cost to file?

We offer affordable payment plans and $0 down options. Cost should not be a barrier to file.

Do I have to list all my debts or can I keep some credit cards?

You have to list all your assets and all your debts (including all credit cards).

Will I lose my property?

Florida offers some of the strongest exemptions to file for Bankruptcy such as the homestead exemption, which protects your home; there are many more exemptions that we will discuss with you based on your case.

What debts can I eliminate?

Most debts such as medical bills, credit card debt (even if you are in a settlement plan), personal loans, repossessions, wage garnishments, lawsuits can be eliminated.

What about Student Loans and IRS Taxes?

There is a new program for Student Loans in Bankruptcy (started May 2021) and IRS debt older than 3 years where you timely filed all taxes is usually dischargeable.

"I've always had a passion for the Law." Founded in 2007 by Robert A. Stiberman, Stiberman Law is uniquely positioned as one of the premier law firms in Palm Beach, Florida, serving Boca Raton and the surrounding area. We are one of the leading bankruptcy and real estate law firms, we care, and always strive for the best solution to the legal challenges facing our clients.