• Chapter 13 Bankruptcy Plans: Individuals with steady disposable income may need to repay part of their debt through a Chapter 13 reorganization plan. Monthly payments continue for three to five years, based on what you can afford at the time. Our attorney helps you propose a payment plan that fits your situation and meets all legal requirements.
• Foreclosure Prevention Strategies: Bankruptcy may stop a pending foreclosure if you file before the sale occurs. Chapter 7 bankruptcy may help you recover some equity, but to keep your home, Chapter 13 is often necessary. As part of Chapter 13, you must pay mortgage arrears in full, and you remain protected from foreclosure as long as you keep up with payments. We help you review all available foreclosure avoidance options.
• Effective Debt Relief Options: In most cases, debt consolidation companies do not offer lasting solutions and may charge large fees without real results. Some creditors will not work with those companies, and you may be asked to pay fees upfront. Instead, we focus on helping you achieve meaningful debt relief through bankruptcy, keeping you in control and protecting you under the U.S. Bankruptcy Code.

Florida Bankruptcy Exemptions & Local Protections

Florida law provides strong protections for your assets during bankruptcy. If you have lived in Florida for at least 730 days before filing, you use state exemptions to safeguard your home, retirement accounts, and personal belongings. The homestead exemption can shield the equity in your primary residence, as long as you meet all requirements. You may also protect certain vehicles, household furnishings, and select bank accounts. In Duval County and across Northeast Florida, these exemptions allow families to keep essential property and start fresh. We review your assets with you and explain what Florida law means for your case, so you know which property you can keep throughout the process.

Frequently Asked Questions

Can I keep my home during bankruptcy in Florida?

Florida’s homestead exemption lets many people keep their primary home if they meet required guidelines. With significant equity and proper residency, your home often remains protected during bankruptcy.

How long does bankruptcy stay on my credit report?

A Chapter 7 filing generally remains on your credit report for up to 10 years, while a Chapter 13 stays for up to 7 years. You can start rebuilding your credit by paying bills on time and managing debts wisely, even before the notation falls off.

Will bankruptcy stop wage garnishment in Jacksonville?

Filing for bankruptcy typically triggers an automatic stay, which halts most wage garnishments right away. This protection applies to garnishments handled by courts in Duval County and throughout Florida, giving you relief as your case progresses.

Each client comes to us with unique financial circumstances. We help you see how each bankruptcy chapter, Florida’s exemptions, and local process may affect your specific case. Our experience in the U.S. Bankruptcy Court for the Middle District of Florida allows us to give your case proper attention in the Jacksonville area. We address how bankruptcy might impact your assets, home, and future finances, so you can make informed choices. For clients in Duval, St. Johns, Clay, or the surrounding counties, our regional knowledge helps us navigate court procedures across Northeast Florida.

Reach out to a trusted bankruptcy attorney in Jacksonville at The Law Offices of David C. Meltzer, PLLC. Contact us online or call (904) 418-7454 for a free consultation.