Bankruptcy Lawyers Serving Coral Springs and Broward County

In Coral Springs, bankruptcy can eliminate most unsecured debts, including credit cards, medical bills, payday loans, and personal loans. Chapter 7 wipes out these debts in about 3 to 4 months, while Chapter 13 includes them in a repayment plan that may only pay a portion back before discharging the rest. Some debts cannot be eliminated, like child support, alimony, most student loans, and certain taxes. Bankruptcy is a powerful way to clear away overwhelming debt and give you a financial reset.

Yes. Most Coral Springs residents are able to keep their homes and cars after filing bankruptcy. Florida’s homestead exemption strongly protects your primary residence, and vehicle exemptions cover a portion of your car’s value. If you’re behind on payments, Chapter 13 allows you to catch up while keeping your property. Chapter 7 also lets you keep assets if they fit within exemption limits and payments are current. Losing your essentials is rare.

Yes. The moment you file for bankruptcy in Coral Springs, an automatic stay goes into effect. This stops all collections, including phone calls, letters, lawsuits, wage garnishments, and foreclosure actions. Creditors must stop contacting you once the stay is in place. This protection gives you instant peace of mind while your case is processed through the Southern District of Florida bankruptcy court.

The court filing fee in Coral Springs is about $338 for Chapter 7 and $313 for Chapter 13. Attorney fees depend on the complexity of your case and which chapter you file, but most attorneys offer flat fees and payment plans. While there is an upfront cost, it’s usually far less than the relief and protection bankruptcy provides. Many clients find it’s the most affordable way to stop collections and eliminate debt.