Bankruptcy Attorney in Pasco County, FL
Quick Summary
The Challenge: Overwhelming financial burdens impacting daily life, coupled with the complexity of local and federal law.
Chapter 7 (Quick Relief): Ideal for individuals with high unsecured debt and limited income, providing fast discharge (4–6 months) and using Florida exemptions to safeguard essential property.
Chapter 13 (Structured Repayment): Designed for those with steady income, offering a 3–5 year repayment plan to protect major assets (like a home) and catch up on missed payments.
Immediate Protection: The process starts with a free consultation and immediately triggers the automatic stay upon filing, halting foreclosures, wage garnishments, lawsuits, and creditor calls.
Bottom Line: Stiberman Law offers over a decade of experience to help Pasco County residents navigate the legal system, protect their rights, and achieve a fresh financial start.
Compassionate legal guidance for lasting debt relief.
Written By: Attorney Robert Stiberman | Updated 9/18/2025
Why You Need a Bankruptcy Lawyer in Pasco County
Dealing with overwhelming debt is stressful and can impact every part of your life. A skilled bankruptcy lawyer helps you understand your rights, evaluate your options, and develop a strategy to protect your assets while eliminating or restructuring debt.
At Stiberman Law, we’ve spent more than a decade helping families and individuals in Pasco County and across Florida regain control of their finances. We handle the legal complexities so you can focus on moving forward.
How the Bankruptcy Process Works
Bankruptcy is governed by federal law but handled through local courts, which can be intimidating to navigate alone. Our team makes the process straightforward and manageable.
We start with a free consultation to assess your income, debts, and property. From there, we recommend whether Chapter 7, Chapter 13, or Chapter 11 is the right path for you. Once filed, the automatic stay provides immediate protection against foreclosure, lawsuits, garnishments, and collection calls. A brief trustee meeting follows, and the process concludes with either a discharge of qualifying debts or a structured repayment plan.
Client Success Story
A client came to us with over $50,000 in credit card and medical bills. We guided them through Chapter 7 bankruptcy, and within six months, most of their debt was erased, giving them the opportunity to start fresh without the constant burden of creditor calls.
STEP 1
Free Consultation
We begin with a free consultation to review your debts, assets, and financial situation. This helps determine whether bankruptcy is the right solution for you.
STEP 2
Depending on your circumstances, you may qualify for Chapter 7 (debt discharge through liquidation), Chapter 13 (structured repayment plan), or Chapter 11 (reorganization, often used by businesses or individuals with significant debt). We’ll explain the differences and recommend the best option for your needs.
STEP 3
Our team helps you gather financial documents and prepares all the required forms. We file your case electronically with the U.S. Bankruptcy Court for the Middle District of Florida, Tampa Division, which covers Winter Haven.
STEP 4
Once your case is filed, an automatic stay immediately stops most collection actions, lawsuits, and wage garnishments.
STEP 5
You’ll attend a brief meeting with a court-appointed trustee. An attorney from Stiberman Law will be by your side to make sure you’re prepared and supported.
STEP 6
If you file Chapter 7, eligible debts are discharged in as little as four to six months. If you file Chapter 13, you’ll enter into a three- to five-year repayment plan before remaining eligible debts are wiped out. If you file Chapter 11 as a business, you’ll propose a reorganization plan that restructures obligations while allowing you to remain operational.
Do I Have A Case?
FIND OUT IT'S FREE
Contact Stiberman Law Today!
Speaking to our law firm is always 100% confidental. Help is just a call away!
At Stiberman Law, Our Goal Is To Help You Complete The Process Smoothly, Protect Your Property When Possible, And Achieve The Financial Relief You Need For A Fresh Start.
Understanding Your Options
Chapter 7 bankruptcy is often best for those with limited income and high unsecured debt, offering relief in just a few months. Florida’s exemption laws often allow you to keep your home, car, and personal belongings.
Chapter 13 provides a repayment plan spanning three to five years, designed for individuals with steady income who want to catch up on missed payments and protect their property.
Chapter 11 is typically chosen by businesses or high-debt individuals who need to reorganize obligations while continuing operations.
Debt Relief Solutions in Pasco County
We provide comprehensive services to help clients address financial hardship, including:
Chapter 7
Chapter 7 bankruptcy for fast elimination of unsecured debt
Chapter 13
Chapter 13 bankruptcy for structured repayment while keeping important assets
Chapter 11
Chapter 11 bankruptcy for businesses or individuals with significant financial obligations
Representation
– Your experienced bankruptcy attorney
Lern More About Our Founding Attorney
Here’s a 5-star review from our client:
Will definitely recommend to anyone needing a bankruptcy attorney. They were very thorough and friendly and engaging every step of the way. Filing for bankruptcy was very easy thanks to this office and attorney Robert.
Adam Terry
Robert Stiberman
Frequently Asked Questions About Bankruptcy in Pasco County
What debts can be eliminated in bankruptcy?
How quickly does bankruptcy stop creditor actions?
How long does the process take?
Do I need a certain amount of debt to file?
Take the First Step Toward Relief
You don’t have to face financial hardship alone. Contact Stiberman Law today to schedule your free consultation and start your path toward a stronger financial future.