Chapter 7 Bankruptcy Attorneys in Florida – Martin Law Firm

Get a Fresh Financial Start with Chapter 7 Bankruptcy

If you’re overwhelmed by credit card debt, medical bills, personal loans, or wage garnishments, filing for Chapter 7 bankruptcy may be the solution you need. At Martin Law Firm, we help individuals and families in Cape Coral, Fort Myers, Naples, Lehigh Acres, and surrounding communities navigate the bankruptcy process and achieve financial relief.

Filing for bankruptcy can be intimidating, but with our experienced Florida bankruptcy attorneys, you don’t have to go through it alone. We will guide you through the process, protect your assets where possible, and ensure you receive the fresh start you deserve.

What is Chapter 7 Bankruptcy?

Chapter 7 bankruptcy, also known as liquidation bankruptcy, is designed to eliminate most types of unsecured debt, including:

✅ Credit card debt
✅ Medical bills
✅ Personal loans
✅ Payday loans
✅ Deficiency judgments from repossessions
✅ Old utility bills

In most cases, you can keep your home, car, and personal belongings, thanks to Florida’s generous bankruptcy exemptions. At Martin Law Firm, we carefully evaluate each client’s financial situation to ensure they get the maximum protection under the law.

Benefits of Filing for Chapter 7 Bankruptcy

When you file for Chapter 7 bankruptcy in Florida, you get immediate relief through the automatic stay, which:

🚫 Stops creditor harassment
🚫 Prevents wage garnishments
🚫 Halts lawsuits from creditors
🚫 Stops repossessions and foreclosures (in some cases)
🚫 Eliminates unsecured debts

The entire process usually takes four to six months, allowing you to move forward quickly with a clean financial slate.

Who Qualifies for Chapter 7 Bankruptcy?

To file for Chapter 7 bankruptcy in Florida, you must pass the means test, which compares your income to the median household income in Florida. If your income is below the threshold, you likely qualify.

If your income is higher, you may still be eligible based on deductible expenses such as:

✔️ Mortgage payments
✔️ Car loans
✔️ Medical expenses
✔️ Child support & alimony

At Martin Law Firm, we will carefully analyze your finances to determine if Chapter 7 is the right solution for you or if another bankruptcy option, like Chapter 13 repayment plans, may be a better fit.

Florida Chapter 7 Bankruptcy Exemptions – What Can You Keep?

Many people worry about losing their home, car, or retirement savings when filing for bankruptcy. However, Florida law provides strong bankruptcy exemptions that allow you to protect many of your assets.

🔹 Homestead Exemption – Protects your primary residence regardless of its value if you’ve lived in Florida for at least 1,215 days.

🔹 Vehicle Exemption – You can protect up to $1,000 of equity in your car.

🔹 Personal Property Exemption – Protects up to $1,000 of personal property (or $4,000 if you don’t use the homestead exemption).

🔹 Retirement Accounts & Pensions – 100% protected under federal law.

🔹 Wages of Head of Household – Completely exempt in most cases.

Even if your assets exceed Florida’s exemptions, we can explore alternative options such as negotiating with the trustee or converting to a Chapter 13 bankruptcy.

The Chapter 7 Bankruptcy Process in Florida

At Martin Law Firm, we make the bankruptcy filing process simple and stress-free. Here’s what you can expect:

1. Free Bankruptcy Consultation

We start with a confidential consultation to evaluate your financial situation and determine whether Chapter 7 is right for you.

2. Filing Your Bankruptcy Petition

Once we prepare and file your petition with the Middle District of Florida Bankruptcy Court, you’ll receive an automatic stay, immediately stopping creditor actions.

3. Meeting with the Bankruptcy Trustee (341 Meeting)

You’ll attend a short meeting with the bankruptcy trustee, where you confirm your financial details. Don’t worry—our attorneys will prepare you for this step.

4. Debt Discharge

Within 60-90 days of your meeting, the court will discharge your eligible debts, eliminating them permanently.

Chapter 7 vs. Chapter 13 – Which is Right for You?

If you don’t qualify for Chapter 7 or want to protect assets that might be liquidated, Chapter 13 bankruptcy may be a better option.

We’ll help you decide which option best fits your financial goals.

Why Choose Martin Law Firm for Your Chapter 7 Bankruptcy Case?

🔷 Experienced Florida Bankruptcy Attorneys – We have helped countless clients in Cape Coral, Fort Myers, Naples, Lehigh Acres, and beyond eliminate debt and regain financial stability.

🔷 Personalized Legal Guidance – We take the time to understand your unique situation and develop a strategy tailored to your needs.

🔷 Affordable Fees & Payment Plans – We offer competitive rates and flexible payment options so you can afford the help you need.

🔷 Stop Creditor Harassment Immediately – We handle all communications with creditors, so you can focus on moving forward.

🔷 Comprehensive Debt Relief Solutions – If Chapter 7 isn’t right for you, we’ll explore alternatives like Chapter 13 or debt settlement.

Start Your Debt-Free Journey Today

At Martin Law Firm, we believe everyone deserves a second chance. If you’re struggling with overwhelming debt, we’re here to help you take control of your finances and rebuild your future.

📍 Serving Clients in:

• Cape Coral
• Fort Myers
• Naples
• Lehigh Acres
• And surrounding areas in the Middle District of Florida

📞 Call Today for a Free Consultation

Don’t let debt control your life. Contact Martin Law Firm today and take the first step toward financial freedom!