Considering Bankruptcy in Florida?
You are not alone. We serve South Florida clients with the same care and depth that has guided over 2,000 New Yorkers through debt, foreclosure, and legal challenges. No judgment. Just honest answers. Free consultation — 561-886-8168 →
Jay Meyers is licensed in Florida and brings over 30 years of bankruptcy experience to South Florida clients in Broward, Dade, and Palm Beach counties. We begin every engagement with a thorough analysis of your assets, income, and debts before recommending any path forward.
Florida's Powerful Homestead Exemption
Florida offers one of the most powerful homestead exemptions in the United States — with no dollar cap on the value of your primary residence. If you are a Florida resident and have properly established homestead, your home is protected from most creditors regardless of its value. Proper legal planning is essential to claim and preserve this protection.
Key Florida Advantage: Unlike New York, Florida's homestead exemption has no maximum dollar limit. A properly established Florida homestead provides essentially unlimited protection for your primary residence.
Chapter 7 Bankruptcy in Florida
Chapter 7 discharges most unsecured debts including credit cards, medical bills, and personal loans. To qualify, you must pass the means test based on your income versus Florida median income for your household size. Our thorough analysis ensures you understand exactly what you stand to gain before any papers are filed.
Foreclosure Defense & Loss Mitigation
If you are facing foreclosure in Florida, there are options. We help homeowners navigate loss mitigation, loan modifications, and court-supervised processes to keep their homes. Ask us at your consultation.
Frequently Asked Questions
Does Florida's homestead exemption apply in bankruptcy?
Yes — Florida's unlimited homestead exemption is one of the strongest asset protection tools in bankruptcy. If you have lived in Florida for at least 1,215 days before filing, your primary residence is fully protected regardless of its value. This makes bankruptcy particularly powerful for Florida homeowners.
How long does Chapter 7 bankruptcy take in Florida?
Most Chapter 7 cases in Florida are completed in 3-5 months from filing to discharge. The automatic stay takes effect the same day you file, immediately stopping all creditor collection activity.
Can I keep my car if I file bankruptcy in Florida?
In most cases, yes. If you are current on your car loan payments and either reaffirm the debt or continue paying, you keep the vehicle. Florida's motor vehicle exemption protects up to $1,000 in equity, and the wildcard exemption can cover additional equity.
Ready to Take the First Step?
One phone call can change everything. We will tell you exactly where you stand — no jargon, no pressure, no obligation. Most clients feel better after the very first conversation.
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