Bankruptcy Attorneys Serving Cape Coral and Lee County

Overwhelmed by Debt in Cape Coral?

Bankruptcy May Offer Relief

If you’re living paycheck to paycheck, facing repossession, or being harassed by creditors, bankruptcy can help you regain control. At Consumer Law Attorney, we help Cape Coral residents eliminate or restructure debt through Chapter 7 and Chapter 13 bankruptcy — so you can breathe again and rebuild.

Get a Free Bankruptcy Consultation

Bankruptcy Options in Cape Coral

We Help Cape Coral Clients File for Chapter 7 and Chapter 13 Bankruptcy

Chapter 7
Chapter 13

Chapter 7 Bankruptcy

Wipes out unsecured debt like credit cards and medical bills
Fast process — usually resolved in 3–4 months
Florida exemptions help protect your home, car, and belongings
Best suited for low- or no-income individuals

Chapter 13 Bankruptcy

Consolidate debt into a 3–5 year payment plan
Stop foreclosure and repossession
Keep your property while catching up on past-due accounts
Ideal for people with a steady income

Why Choose Us in Cape Coral

Experienced, Local Bankruptcy Lawyers in Lee County

Key Benefits:

Experience with the U.S. Bankruptcy Court – Middle District of Florida (Fort Myers Division)
Local familiarity with Cape Coral court procedures and trustees
Transparent flat-fee pricing with flexible payment options
Personalized service and fast turnaround times

The Bankruptcy Process in Cape Coral

Here’s What to Expect When You File for Bankruptcy

Bankruptcy Steps:

Free, no-obligation consultation
We review your finances and determine eligibility
File your petition — collections stop immediately
Attend the Meeting of Creditors (341 Hearing)
Receive a debt discharge (Chapter 7) or plan confirmation (Chapter 13)

What Our Cape Coral Clients Say

    
 
 
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   Marvin Louka 
 
 
 
  Very professional and quick turn around!
  
 
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   Kiera Smith 
 
 
 
  Great firm. Polite, honest, and professional. Handled our dispute accordingly.Elaine Prado is amazing. Definitely recommend. Took all of my anxiety away as legal matters can be very grey sometimes.
  
 
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   Dorron Turner 
 
 
 
  Elaine Prado did a great job of keeping me informed on my case and letting me know my options.
  
 
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   Gabrielle Valentine 
 
 
 
  Exceptional Personal Injury Firm I engaged Consumer Law Attorneys to assist me with a personal injury matter that occurred during my pregnancy. It was a particularly frightening experience, especially during the third trimester. From my initial consultation with Attorney Young Kim, I found him to be informative, professional, and friendly. Throughout the process, he was always available to answer my questions, which gave me great confidence and allowed me to focus on my family rather than the case. Attorney Kim reached a settlement that exceeded my expectations. I am extremely pleased with the outcome. My baby and I are doing well, thanks to Mr. Kim and his dedicated paralegal, Elaine. I highly recommend Consumer Law.
  
 
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   Robert M 
 
 
 
  Excellent Legal Representation I recently had the pleasure of working with Consumer Law Attorneys (CLA) on my personal injury case. Attorney Young Kim and his Paralegal Elaine were always available to answer my questions and kept me informed every step of the way. I received a fair settlement that exceeded my expectations. I highly recommend CLA to anyone in need of a personal injury attorney. Their exceptional service and genuine care for their clients set them apart from their competitors.
  
 
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   Chrissa Haygood 
 
 
 
  These lawyers have great communication skills and will fight for you!
  
 
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   Jennifer Kennedy 
 
 
 
  I stupidly signed as a Co Borrower for a young family member.  I had no idea home was in foreclosure until contacted by a process server. Consumer Law worked with me to stop foreclosure until house could be sold.  They saved me from financial ruin!

Common Bankruptcy Questions From Cape Coral Residents

Can I file for bankruptcy and keep my house?

Yes. Most Cape Coral residents who file bankruptcy are able to keep their home, especially if it’s their primary residence. Florida’s homestead exemption provides strong protection for houses in Lee County. In Chapter 13, you can also catch up on past-due mortgage payments over several years while stopping foreclosure. Chapter 7 protects your home as long as you meet exemption rules and remain current on payments. Losing your house through bankruptcy is rare.

What’s the difference between Chapter 7 and Chapter 13?

Chapter 7, often called “liquidation bankruptcy,” wipes out unsecured debts like credit cards and medical bills in about 3 to 4 months. It’s best for people with low income and few assets. Chapter 13, known as “reorganization,” lets you repay debt through a 3–5 year plan while protecting your home, car, and other property. In Cape Coral, Chapter 13 is often chosen by people who want to stop foreclosure or catch up on secured debts. Both options provide powerful debt relief, but the right one depends on your finances.

Will I lose my car?

Usually not. Florida law allows you to protect part of your vehicle’s value through exemptions. If your car loan is current, you can often keep it under either Chapter 7 or Chapter 13. In Chapter 13, missed payments can be folded into your repayment plan so you don’t lose the vehicle. In Chapter 7, as long as the equity doesn’t exceed exemption limits and payments are up to date, you typically keep your car. Most people in Cape Coral keep their vehicles after filing.

How much does bankruptcy cost in Lee County?

Filing for bankruptcy in Lee County requires a court filing fee — about $338 for Chapter 7 and $313 for Chapter 13. Attorney fees vary based on your case’s complexity. Many firms, including ours, offer flat rates and payment plans so you can afford the process without stress. While it does cost money to file, the relief from discharged debt and the protection from creditors almost always outweigh the upfront expense.

Contact Consumer Law AttorneysTalk to a Cape Coral Bankruptcy Attorney Today

Your path to financial freedom starts with a conversation. Contact us for a free consultation — we’re here to help you move forward.

(877) 241-2200

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Main Office: 2727 Ulmerton Road, Ste. 270, Clearwater, FL 33762

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(877) 241-2200

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Mon-Fri: 9am – 6pm EST

*Disclaimer: The information you obtain at this site is not, nor is it intended to be, legal advice. You should consult an attorney for advice regarding your individual situation. Contacting us does not create an attorney-client relationship. Please do not send any confidential information to us until such time as an attorney-client relationship has been established.The hiring of a lawyer is an important decision that should not be based solely upon advertisements. Before you decide, ask us to send you free written information about our qualifications and experience.

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