Bankruptcy Attorneys Serving Palm Bay and Brevard County

Financially Overwhelmed in Palm Bay?

Bankruptcy May Offer a Way Forward

If you’re struggling with debt, facing foreclosure, or being harassed by creditors, bankruptcy could offer the legal relief you need. At Consumer Law Attorney, we help Palm Bay residents navigate Chapter 7 and Chapter 13 bankruptcy with clarity, confidence, and no upfront attorney fees.

Schedule a Free Bankruptcy Consultation

Bankruptcy Services in Palm Bay

We Help Palm Bay Clients File Chapter 7 and Chapter 13 Bankruptcy

Chapter 7
Chapter 13

Chapter 7 Bankruptcy

Wipe out most unsecured debts (credit cards, medical bills, payday loans)
Completed in as little as 3–4 months
Florida exemptions protect your home, car, and essentials
Ideal for low-income individuals or those with limited assets

Chapter 13 Bankruptcy

Reorganize your debt into a 3–5 year repayment plan
Stop home foreclosure and vehicle repossession
Keep your assets while catching up on overdue payments
Ideal for wage earners with equity or secured debt

Why Choose Us in Palm Bay

Trusted Bankruptcy Attorneys for Brevard County Residents

We’ve helped Palm Bay individuals and families eliminate debt and protect what matters most. Our local experience and hands-on support ensure your case moves efficiently and effectively.

Key Benefits:

Experience with U.S. Bankruptcy Court – Middle District of Florida (Orlando Division)
Local insight into Brevard County court processes
Clear pricing and affordable payment plans
Personalized support in English and Spanish

The Bankruptcy Process

How Bankruptcy Works in Palm Bay

Bankruptcy Steps:

Free consultation with an experienced attorney
Review of financials and determination of eligibility
Bankruptcy petition is filed — collections stop immediately
Attend the 341 Meeting of Creditors
Discharge (Chapter 7) or begin court-approved payment plan (Chapter 13)

What Palm Bay Clients Are Saying

    
 
 
       Posted on Google  
   
   Marvin Louka 
 
 
 
  Very professional and quick turn around!
  
 
      Posted on Google  
   
   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.
  
 
      Posted on Google  
   
   Dorron Turner 
 
 
 
  Elaine Prado did a great job of keeping me informed on my case and letting me know my options.
  
 
      Posted on Google  
   
   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.
  
 
      Posted on Google  
   
   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.
  
 
      Posted on Google  
   
   Chrissa Haygood 
 
 
 
  These lawyers have great communication skills and will fight for you!
  
 
      Posted on Google  
   
   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!

Frequently Asked Questions From Palm Bay Residents

Can bankruptcy stop foreclosure in Brevard County?

Yes. Filing bankruptcy in Palm Bay immediately stops foreclosure actions through the automatic stay. Chapter 13 is especially helpful, because it allows you to catch up on overdue mortgage payments over 3 to 5 years while keeping your home. Chapter 7 will also pause foreclosure temporarily, giving you time to consider options. Acting quickly is important if your Brevard County home already has a scheduled sale date.

Will I lose my home or car?

Most Palm Bay residents keep their home and car when filing bankruptcy. Florida’s exemptions strongly protect primary residences and cover a portion of vehicle equity. In Chapter 13, you can spread out missed payments and prevent foreclosure or repossession. In Chapter 7, you can keep your property if it falls under exemption limits and you’re current on payments. The law is designed to protect essentials, not strip them away.

How long does the process take?

In Palm Bay, a Chapter 7 case usually takes 3 to 4 months from filing to discharge. Chapter 13 lasts longer, since it involves a repayment plan of 3 to 5 years. The length depends on how quickly you provide documents and whether creditors object. Most clients are surprised by how manageable the process is, especially with legal guidance.

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

Chapter 7 eliminates most unsecured debts, like credit cards and medical bills, without requiring repayment. It’s usually best for people with limited income and few assets. Chapter 13 creates a repayment plan that lets you keep your property while catching up on secured debts, like mortgages or car loans. In Palm Bay, both chapters are commonly used depending on the filer’s financial goals and situation.

Contact Consumer Law AttorneysTalk to a Palm Bay Bankruptcy Attorney Today

You don’t have to deal with debt alone. Get honest answers and proven legal help — starting with a free consultation.

(877) 241-2200

Free Case Review

More Services

Contact

MAIN OFFICE

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

CONTACT

TELEPHONE

(877) 241-2200

WORKING HOURS

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.

SERVICES