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 are dealing with high debt, missed mortgage payments, or rising medical bills, you are not alone. Financial problems can affect anyone, and it can be hard to see a way out. For many individuals, families, and businesses seeking relief, filing bankruptcy can provide a real path forward and stop pressure from creditors, lawsuits, or foreclosure.
Fleysher Law Bankruptcy & Debt Attorneys helps people in Stuart and nearby areas explore their legal options under bankruptcy law. Whether you are considering Chapter 7 or Chapter 13, our experienced bankruptcy attorneys can guide you through the bankruptcy process with respect, honesty, and clear steps.
We work with you from start to finish to help protect your assets, rebuild your finances, and move toward a fresh start. With the right support, you can overcome financial difficulties and protect your financial future.
Fleysher Law Bankruptcy & Debt Attorneys offers honest advice, practical solutions, and trusted representation in bankruptcy filings. Our Stuart bankruptcy lawyer helps both individuals and businesses manage debt and take the right legal steps to move forward. If you are considering filing bankruptcy in Stuart, we can help you decide what’s best for your situation.
A bankruptcy lawyer provides legal help to people and businesses who can no longer manage their debt. We explain your options, help you understand the entire process, and represent you in court if needed. Our job is to make sure your case is done correctly and that you are protected at every step.
Before you file anything, your bankruptcy attorney will look closely at your full financial situation. This includes your income, total debt, assets, regular expenses, and past bankruptcy filings (if any). The goal is to understand exactly where you stand and which type of bankruptcy (Chapter 7 or Chapter 13) fits your needs.
A skilled bankruptcy attorney helps you weigh the pros and cons so you can make the right choice for your future.
Filing for bankruptcy involves a lot of paperwork, and it must be done correctly. Your attorney will prepare and file all the required forms, including details about your debts, property, income, and recent financial transactions.
These forms are submitted to the bankruptcy court, and any small mistake could lead to delays or even dismissal of your case. An experienced lawyer makes sure the forms are accurate, complete, and on time.
After the case is filed, you will need to attend a meeting with the bankruptcy trustee. In some cases, there may be additional court hearings, especially if you’re stopping a foreclosure or dealing with objections from creditors. Your bankruptcy attorney will stand by you at every step, answer questions from the trustee, and protect your rights.
You won’t have to face the system alone. Having the right legal counsel can make the entire process less stressful and much more effective.
Fleysher Law Bankruptcy & Debt Attorneys helps clients in Stuart file for the two most common types of consumer bankruptcy -- Chapter 7 and Chapter 13. Each type offers different benefits depending on your income, debt, and financial goals.
Our bankruptcy attorneys will explain both options and help you choose the one that fits your situation best.
Chapter 7 bankruptcy is designed for people who cannot afford to repay their debts. It allows you to erase most unsecured debt, such as credit cards, medical bills, and personal loans, in just a few months. While some assets may be sold to pay creditors, many people keep all their property through Florida's exemption laws. This option offers fast relief and a fresh start for those with limited income.
Chapter 13 is for individuals who have a steady income and want to catch up on debts over time. This type of bankruptcy lets you keep your home, car, and other property while repaying part of your debt through a court-approved plan. It’s a good fit if you’re behind on mortgage payments, facing foreclosure, or need time to make up missed bills while protecting your assets.
1. Stop Collection Calls and Lawsuits: Once you file for bankruptcy, an automatic court order called the “stay” goes into effect. This stops creditors from calling, sending letters, filing lawsuits, or garnishing your wages.
2. Prevent Foreclosure and Repossession: If you’re behind on mortgage payments or car loans, bankruptcy can help stop foreclosure or repossession and give you time to catch up or work out a mortgage modification.
3. Erase Unsecured Debts: In Chapter 7, most unsecured debt, including credit card bills, medical bills, and personal loans, can be wiped out completely, giving you a chance for a true fresh start.
4. Create a Manageable Repayment Plan: With Chapter 13, you repay part of your debt over 3 to 5 years in a plan that fits your income. This allows you to protect your home and other assets.
5. Protect Your Property and Income: Florida’s exemption laws let many debtors keep their home, car, and personal items. Your bankruptcy attorney will help you understand what property is protected.
6. Regain Control of Your Finances: Filing can bring relief from stress and put you back in control. You can rebuild credit, make a budget, and take steps to improve your financial future.
7. Deal With Tax and Loan Issues: While not all taxes can be erased, bankruptcy can help with some tax issues, and in certain cases, help manage student loans, business debt, or unpaid business transactions.
Whether or not you qualify for bankruptcy depends on your income, the type of debt you have, and your overall financial situation. For Chapter 7 bankruptcy, you must pass a “means test” that compares your income to the state average. If your income is too high, Chapter 13 may be a better option because it allows you to repay part of your debt over time.
In both types, the court will review your assets, past bankruptcy filings, and recent financial activity. You must also complete a short credit counseling course before filing bankruptcy. Our experienced attorneys will go over all of these factors with you, help you understand your options, and make sure you meet the legal requirements.
Whether you're dealing with missed mortgage payments, medical bills, or credit card debt, we’ll explain the rules clearly and help you take the right steps.
Choosing the right Stuart bankruptcy lawyer can make a big difference in how your case is handled. Fleysher Law Bankruptcy & Debt Attorneys helps people in Stuart with honest advice, clear options, and strong legal support.
Our team understands the local bankruptcy process and is committed to helping clients take control of their debt and protect their future.
Our attorneys know how bankruptcy law works in Florida and understand what local trustees and courts expect. We use this knowledge to help you avoid mistakes, protect your assets, and move through the system with confidence. Whether you're stopping foreclosure or dealing with creditors, we know what works in Stuart, Florida.
We believe in fair, upfront pricing. You will always know what to expect with no hidden fees. We also offer flexible payment options so you can get started right away, even if money is tight.
You’ll never feel like just a case number. We treat every client with care and take the time to understand your goals. Our team offers one-on-one guidance from a knowledgeable lawyer who will be by your side from the first call to the final step.
1. How experienced are you in practicing bankruptcy law?
Our firm has been practicing bankruptcy law for years, helping clients across Stuart and West Palm Beach get out of debt and regain control of their lives through smart, legal solutions.
2. Is debt settlement better than bankruptcy?
Debt settlement may help some people, but it does not always stop lawsuits or eliminate all the debt you owe. A seasoned attorney can help you compare both options and choose what fits your needs best.
3. Can bankruptcy help with money owed to the Internal Revenue Service?
Bankruptcy may help reduce or remove certain tax debts owed to the Internal Revenue Service (IRS), depending on how old the taxes are and your financial records. We review each case to see what relief may apply.
4. What if I already talked to another attorney?
That’s okay. If you’ve met with another attorney but still have questions, we welcome you to speak with our team. Getting a second opinion from a professional can help you feel more confident in your decision.
5. Do you only handle bankruptcy cases?
While bankruptcy is our focus, we also help clients with loan modification, living wills, and related legal matters. Our goal is to provide reliable, professional support for whatever you need to protect your finances and your future.
If you are facing overwhelming debt and need real answers, we are here to help. At Fleysher Law Bankruptcy & Debt Attorneys, our Stuart law office offers a free consultation so you can learn about your legal options without pressure or commitment. We take time to understand your situation and explain how bankruptcy or other solutions may help you find relief.
Our team brings extensive experience to every case and treats every client with the utmost respect. Whether you're behind on bills, facing foreclosure, or simply need a way to reset, we will walk you through the process clearly and support you every step of the way.
Let us help you stop the stress and take control of your finances. Contact us today to speak with a trusted Stuart bankruptcy lawyer and take the first step toward a fresh financial start.
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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