This page was written, edited, reviewed & approved by Emil J. Fleysher following our comprehensive editorial guidelines. Emil J. Fleysher, the Founding Partner, has 15+ years of legal experience as a bankruptcy attorney. Our last modified date shows when this page was last reviewed.
If you're searching for a trusted Palm Beach Gardens bankruptcy lawyer, Fleysher Law is here to help. We assist clients across Palm Beach County who are facing overwhelming debt, foreclosure, or financial distress.
As an experienced Florida bankruptcy law firm, we provide guidance through the bankruptcy process and offer real solutions. Take the next step toward financial freedom. Our team is ready to assist you with a range of debts, including credit cards, medical bills, and mortgages.
At Fleysher Law, we believe no one should feel trapped by debt, lawsuits, or endless calls from creditors. You have rights under consumer bankruptcy law, and there are real legal tools that can help you regain control over your finances.
Our Palm Beach Gardens bankruptcy lawyer takes the time to understand your unique situation. Whether you're dealing with medical debt, credit card debt, or are a business owner facing financial problems, we create a plan that fits your life, not just a one-size-fits-all solution.
We utilize our expertise in current bankruptcy laws, Florida bankruptcy exemptions, and asset protection to safeguard what matters most to you. From stopping foreclosure proceedings to defending against aggressive creditors, we ensure you’re treated fairly throughout the entire process. When you choose Fleysher Law, you’re not just getting an attorney—you’re gaining a dedicated partner in your fight for financial freedom.
If you're facing financial troubles, you're not alone—and you're not out of options. Bankruptcy can provide real relief and give you the chance to rebuild your future.
In the sections below, we’ll explain how filing under Florida bankruptcy law can stop harassment, protect your assets, and help you become debt-free.
One of the first signs you need help is constant pressure from creditors. Phone calls, threats of wage garnishment, and letters demanding payment are more than just annoying—they’re stressful. Filing for bankruptcy relief stops this harassment immediately. You’ll get peace of mind while we handle the legal details.
Bankruptcy provides a path to halt foreclosure and protect your home. If you're behind on your mortgage, we may help you keep your property through Chapter 13 bankruptcy or explore loan modification. Even your second mortgage might be handled through the right plan.
Depending on your situation, you may qualify for Chapter 7 or Chapter 13 bankruptcy. Some debts, such as unsecured debt or medical debt, can be discharged. Others may be restructured into a manageable monthly payment. We’ll review your financial situation and help you make the best decision for a fresh start.
Choosing the right bankruptcy path begins with understanding the differences between Chapter 7 and Chapter 13. Our skilled attorneys at Fleysher Law explain your options clearly and provide expert guidance throughout the process.
Chapter 7 bankruptcy helps debtors wipe out most unsecured debts. It's often the best choice for those with limited income and few assets. This type of consumer bankruptcy law allows for a quicker resolution, often in just a few months. You may also qualify for a no-asset bankruptcy, meaning you won't lose anything thanks to Florida bankruptcy exemptions.
Known as reorganization bankruptcy, Chapter 13 is a suitable option for individuals who wish to retain valuable assets, such as their home or car. It allows you to set up a plan to repay part of your debt over a specified period. This option benefits business owners, families behind on payments, and anyone facing business litigation or foreclosure in South Florida.
Filing for bankruptcy involves several steps, but we make the entire process easy to understand. After your free consultation, we’ll prepare your forms, file your case, and help you stay on schedule. We also help with your credit report and financial records.
Your paperwork will be reviewed by a court-appointed bankruptcy trustee, who will also conduct the 341 meeting where you provide sworn testimony. This meeting is routine and provides creditors with an opportunity to raise any concerns they may have. You’ll be protected by attorney-client privilege the whole way through.
At Fleysher Law, our bankruptcy attorneys know how to reduce court costs, explain your rights, and find creative solutions based on your unique situation. Whether you're in West Palm Beach, Port St. Lucie, or Broward County, we can help.
If you're missing payments, getting sued, or using credit cards to pay for basics, it's time to consider help. These are common signs of deeper financial problems that may call for action under bankruptcy and debt laws.
Here are some red flags that may mean it’s time to speak with a Florida bankruptcy attorney:
We’ve helped countless people and businesses across South Florida who once felt overwhelmed. With our extensive experience, low flat fees, and strong knowledge of business law, we provide honest and reliable legal counsel, starting with a complimentary initial consultation. Let our Florida bankruptcy lawyers help you move forward.
Many people worry they’ll lose everything in bankruptcy cases, but that’s not true. Florida's bankruptcy exemptions are among the most generous in the country. In many situations, you can keep your home, car, and other important assets.
Chapter 13 bankruptcy allows you to catch up on late payments for secured debts, such as a mortgage or car loan, while keeping your property. At Fleysher Law, we’ll review your situation and help you choose the best plan for your needs.
Filing for bankruptcy is a legal process, but with the right team, it doesn’t have to feel overwhelming. At Fleysher Law, we simplify every step and clearly explain your rights. Whether you're an individual or a business owner, we make sure you understand what’s happening and why. We’ve handled a wide range of bankruptcy and business cases throughout Florida.
Here’s how the process works:
We start with a free initial consultation where we review your:
This helps us determine whether Chapter 7, Chapter 13, or another option—like debt settlement or a loan modification—is the right path for your case.
If bankruptcy is the best option, we’ll prepare and file all required documents. Once filed:
We also help you stay on schedule for court dates and the 341 meeting.
When your case is complete, most unsecured debts are discharged, releasing you from the obligation to repay them. From there, we help you begin your next steps. Our team gives you tools to:
You leave with a clean slate and a plan for long-term success.
While bankruptcy will show on your credit report, it doesn't have to be a final setback for your credit score. Many find that bankruptcy offers a much-needed reset, providing an opportunity to rebuild their financial future.
By wiping out balances you can’t repay, bankruptcy can:
Within 6 to 12 months of discharge, many individuals begin to qualify for new credit offers, auto loans, or secured credit cards. The key is rebuilding the right way—and we’re here to guide you.
At Fleysher Law, we don’t stop at the filing. We help you understand your entire financial situation and guide you through effective credit repair strategies. Our goal is long-term relief, not just short-term fixes.
At Fleysher Law, we explore every possible option before recommending bankruptcy. While filing may be the best path for some, others benefit from different legal tools that avoid a formal case. We evaluate your complete financial picture to craft the ideal strategy for your goals.
If you're behind on your mortgage payments, a loan modification could help. We work with lenders to reduce interest rates, extend loan terms, or even adjust principal balances in some cases. By making your monthly payments more manageable, this can help you avoid foreclosure and bankruptcy.
We also assist clients in settling unsecured debt directly with creditors. This process can reduce the total amount owed and help resolve accounts more quickly. Debt settlement is a viable option for individuals seeking to resolve debts outside of court, reserving bankruptcy as a last resort.
When facing financial problems, it’s easy to make rushed decisions that can hurt your chances of getting bankruptcy relief. Some actions may seem helpful in the short term, but they often create more issues during bankruptcy cases.
Avoid these common mistakes:
Another major mistake is waiting too long to speak with a bankruptcy attorney. Delays can lead to:
At Fleysher Law, we help you avoid these pitfalls by offering early, honest advice backed by extensive experience.
At Fleysher Law, we provide personal service that’s hard to find elsewhere. When you hire us, you’ll work directly with a highly experienced Florida bankruptcy attorney, not a case manager or assistant. Every plan we create is tailored to your unique situation and long-term goals.
Here’s what makes us different:
We have a strong track record in both bankruptcy and business matters. Our attorneys use in-depth knowledge of Florida bankruptcy exemptions, business law, and bankruptcy and debt laws to protect what matters most. Whether you’re filing a personal case or handling bankruptcy and business issues, we’re here to help you find real, lasting relief.
Will bankruptcy stop foreclosure immediately?
Yes. Once your bankruptcy petition is filed, the court issues an automatic stay. This immediately halts foreclosure proceedings, wage garnishments, and collection efforts, giving you time to develop a legal solution.
Do I have to go to court?
In most bankruptcy cases, you won’t appear before a judge. Instead, you’ll attend a short 341 meeting with the bankruptcy trustee to answer basic questions about your finances under oath.
How long does the process take?
A typical Chapter 7 bankruptcy takes around 3 to 5 months from start to finish. Chapter 13 bankruptcy includes a repayment plan that lasts 3 to 5 years, depending on your situation.
Can I keep my credit cards?
No. Filing for bankruptcy usually requires you to give up existing credit card accounts. These are closed by the creditors or the trustee as part of the legal process.
Will everyone know I filed for bankruptcy?
Bankruptcy is a public record, but it’s not widely advertised. Unless someone is actively checking court databases, it’s very unlikely that friends, family, or coworkers will ever discover the information.
Ready to take the next step toward financial freedom? Our Palm Beach Gardens bankruptcy lawyer is here to help you get a fresh start with fast, honest support.
Call Fleysher Law today or submit our secure online form to schedule your free consultation. Your information remains confidential, and our team responds promptly to help you find the answers you need.
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What's the average cost to file bankruptcy in Florida?
Chapter 7 bankruptcy eligibility often depends on whether an individual's income is below the state's median income for similar household sizes, as determined by the bankruptcy law's means test using the prior six months' average monthly income.
Can bankruptcy take your house in Florida?
Florida bankruptcy law shields all equity in a debtor's main home. However, mortgage lenders in Florida bankruptcy cases can still sue borrowers if foreclosure sale proceeds don't cover the full mortgage debt.
What assets are exempt from bankruptcy in Florida?
Personal property seizure is exempt up to $1,000 for general items. An additional $4,000 wildcard exemption applies if no homestead exemption is claimed, totaling $5,000 in personal property protection. If a homestead exemption is claimed, the personal property exemption is $1,000.
Can I keep my car if I file bankruptcy in Florida?
Filing bankruptcy usually doesn't mean losing your car if loan payments are up-to-date. However, Florida bankruptcy law limits the value of vehicles you can protect.
Can I file bankruptcy without a lawyer in Florida?
Legal advice necessitates counsel. Only individuals can file for bankruptcy or represent themselves in court. This resource provides self-represented bankruptcy litigants with relevant information on procedures and local requirements.
Can you lose your house in bankruptcy in Florida?
Chapter 7 bankruptcy filings may lead to asset forfeiture. Florida provides extensive homestead exemptions without valuation caps, offering significant residential property protection. Conversely, stringent limits are placed on personal property and vehicle exemptions within the state's jurisdiction.
How long does a bankruptcy stay on your record in Florida?
Bankruptcy filings become a permanent public record on PACER. Although credit report visibility is capped at ten years, the public record of the bankruptcy remains indefinitely.
How many times can you file bankruptcy in Florida?
Florida has no legal limit on how often someone can file for bankruptcy, even after a previous debt discharge, if they face new financial hardship.
How much cash can you keep when filing Chapter 7 in Florida?
Florida bankruptcy law limits exempt personal property to $1,000. For example, in Chapter 7 bankruptcy, only $1,000 of a $5,000 bank account is protected, and valuable assets may be liquidated to repay creditors.
What is the lookback period for bankruptcy in Florida?
Bankruptcy law generally reviews asset transfers for fraud up to two years prior, but trustees can use state laws for longer periods. Many states, including Florida with the Uniform Fraudulent Transfer Act, allow creditors to examine transfers up to four years before bankruptcy filing to find fraudulent activity.
How do I protect my assets from creditors in Florida?
In Florida, irrevocable trusts are key for asset protection, offering a legal way to shield assets from creditors by reclassifying them within trust frameworks, thus reducing vulnerability to legal actions.
What is the difference between Chapter 7 and 13 in Florida?
Chapter 7 bankruptcy, or liquidation, requires selling non-exempt assets to pay creditors and typically concludes in six months. Unlike other bankruptcy options, it does not allow individuals to keep their assets.
What is the difference between Chapter 7 and 13 in Florida?
Chapter 7 bankruptcy, or liquidation, differs from Chapter 13 by requiring the sale of non-exempt assets for creditor repayment, typically within six months, whereas Chapter 13 does not involve liquidation.
What is the longest lasting consequence of filing for bankruptcy?
The declaration of bankruptcy exerts a substantial and immediate adverse effect on an individual's credit score. This legal action is recorded on credit reports for a duration of up to ten years, thereby impeding the ability to secure loans or credit throughout this period.
How do I qualify for Chapter 13 in Florida?
Chapter 13 bankruptcy is available to individuals, including the self-employed and those with unincorporated businesses, provided their unsecured debt is under $526,700 and secured debt is under $1,580,125 at filing.
Emil specializes in consumer bankruptcy, debt settlement, and mortgage modification, offering a holistic approach to solving mortgage and debt problems. Emil listens to clients, understands their circumstances and goals, and helps them make the right choices by presenting all options and contingencies.
He is dedicated to helping South Floridians regain their financial freedom from overwhelming debt caused by high interest credit cards, bad mortgage loans, and uninsured medical expenses.
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