Chapter 7 Bankruptcy Lawyer in Orlando The "Fresh Start" You Need
If you are buried under credit card debt, medical bills, or personal loans, Chapter 7 Bankruptcy is the fastest way to hit the reset button. Unlike debt consolidation scams that drag on for years, Chapter 7 is a federal legal process that can completely wipe out your unsecured debt in as little as 90 days.
🚫 Stop Creditor Harassment
The instant we file, the "Automatic Stay" goes into effect. It is illegal for creditors to call you, email you, or sue you. The silence begins immediately.
💸 Wipe Out Debt Tax-Free
We eliminate credit cards, medical bills, repossession balances, and personal loans. Best of all, the cancelled debt is not taxed as income.
Do I Qualify? (The Means Test)
Chapter 7 is designed for those who truly need it. To qualify, your household income must typically be below the Florida median income for your family size. If you earn more, you may still qualify through specific deductions.
Check Your Eligibility Instantly
Stop guessing. Use our free Florida Means Test Calculator to see if you qualify for full debt elimination based on your income.
"Will I Lose My Stuff?" (Exemptions)
This is the #1 myth about Chapter 7. Most clients keep everything they own. Florida has specific "exemptions" that protect your property from being sold:
- ✔ Your Home: The Florida Constitution protects 100% of the equity in your primary residence (Homestead Exemption) in most cases.
- ✔ Retirement: 401(k)s, IRAs, and pensions are federally protected. Creditors cannot touch your future.
- ✔ Vehicle & Personal Items: You have allowances ($1,000 for a car, $1,000 for personal property, plus a "Wildcard" up to $4,000 if you don't use the homestead exemption) to protect your daily essentials.
Common Chapter 7 Questions
How long does the process take?
It is very fast. From the day we file to the day your debts are discharged is typically about 90 to 120 days.
Will I ever get credit again?
Yes, faster than you think. While the bankruptcy stays on your report for 10 years, many clients receive offers for credit cards and car loans immediately after discharge because they are now debt-free.
Can I include my student loans?
Generally, no. Student loans, child support, and recent tax debts are "non-dischargeable" and will remain after the bankruptcy.