File for Bankruptcy in Florida — With Guidance You Can Trust
Reclaim Your Future with Compassionate Legal Support
If you’re overwhelmed by debt and searching for a way out, filing for bankruptcy in Florida may be the solution that gives you the breathing room you desperately need. At Segaul Law Firm, we help individuals and families throughout South Florida take control of their finances, eliminate debt, and start fresh — all with dignity, professionalism, and over 25 years of trusted legal experience.
What It Means to File for Bankruptcy in Florida
Bankruptcy is a legal process that allows individuals to eliminate or restructure debt under the protection of the federal bankruptcy court. Filing in Florida provides powerful relief through the U.S. Bankruptcy Code — but also comes with state-specific exemptions and procedural requirements that make experienced legal guidance essential.
When you file, the court issues an automatic stay, which immediately stops:
- Creditor phone calls and harassment
- Lawsuits and judgments
- Wage garnishments
- Foreclosure and repossession
- Bank levies and utility disconnections
This protection remains in place while your case is active, giving you time to reorganize, catch up, or discharge your debt entirely.
Types of Personal Bankruptcy in Florida
At Segaul Law Firm, we help you determine which bankruptcy chapter is best for your situation:
Chapter 7 Bankruptcy – Complete Debt Discharge
- Eliminates most unsecured debts (credit cards, medical bills, personal loans)
- Typically completed in 3–4 months
- Requires passing a Means Test to qualify
- Ideal for low-income individuals with few assets
Chapter 13 Bankruptcy – Debt Reorganization
- Allows repayment of debts over 3–5 years through a court-approved plan
- Protects your home and vehicle from foreclosure or repossession
- Helps catch up on mortgage or tax arrears
- Ideal for individuals with regular income and assets to protect
Not sure which is right for you? We’ll explain every detail and walk you through your best option step by step.
Florida Bankruptcy Exemptions – What You Can Keep
Florida’s exemption laws are some of the strongest in the country, meaning you may be able to file for bankruptcy without losing your property.
You may protect:
- Your home (under Florida’s Homestead Exemption — unlimited in value if you meet residency requirements)
- Vehicles (up to a certain value)
- Personal belongings (furniture, clothing, household items)
- Retirement accounts and pensions
- Wages, tools of the trade, and public benefits
At Segaul Law Firm, we apply every available exemption to preserve what you’ve worked hard to earn.
How to File for Bankruptcy in Florida – The Process
Here’s what to expect when you file with our firm:
- Initial Consultation (Free & Confidential)
We assess your debts, income, assets, and goals to determine eligibility and the right chapter. - Gather Financial Documents
We’ll help you compile pay stubs, bank statements, bills, tax returns, and other necessary forms. - Credit Counseling Requirement
The court requires a pre-filing credit counseling course — we’ll guide you through it. - Petition Filing & Automatic Stay
Once your petition is filed, the court issues an automatic stay to stop collections and legal actions. - 341 Meeting of Creditors
You’ll attend a brief meeting with a bankruptcy trustee (not a judge) — we prepare and accompany you. - Discharge or Repayment
If filing Chapter 7, debts are discharged in a few months. If Chapter 13, your structured plan begins.
Why Choose Segaul Law Firm?
✔ Over 25 Years of Local Experience
We’ve helped hundreds of clients across Florida successfully file for bankruptcy and restart their financial lives.
✔ Transparent & Affordable Fees
We offer flat-fee pricing, payment plans, and honest advice — no hidden costs, ever.
✔ Personalized Guidance
We treat every case with care and detail — you’ll never feel rushed or like “just another file.”
✔ Trusted Across South Florida
Our office in Plantation, FL, proudly serves individuals in Sunrise, Fort Lauderdale, Broward County, and beyond.
Frequently Asked Questions (FAQs)
Q: How long does a bankruptcy stay on my credit report?
A: Chapter 7 remains for 10 years; Chapter 13 for 7 years. However, many clients begin rebuilding credit immediately after discharge.
Q: Can I keep my house and car?
A: Yes, in many cases. Florida’s exemptions protect equity in your home and vehicle. We’ll show you how to preserve what matters.
Q: Will I lose everything if I file?
A: No. Most filers keep most or all of their property through exemptions. Bankruptcy is about relief — not punishment.
Q: How much does it cost to file?
A: Costs vary based on case complexity, but we keep our fees affordable and always discuss pricing up front. Payment plans are available.
Ready to File for Bankruptcy in Florida? Let’s Talk.
Bankruptcy isn’t the end — it’s a fresh start. And with the right attorney, it can be the most empowering decision you make.
📞 Call Today: 954-424-3600
📧 Email: [email protected]
📍 Visit Us: 300 S Pine Island Rd, Suite 304, Plantation, FL 33324
Proudly helping clients file for bankruptcy in Plantation, Sunrise, Fort Lauderdale, and across Florida.
When debt becomes overwhelming, bankruptcy may be your strongest path to peace. Let Segaul Law Firm help you get there — with experience, empathy, and clarity.