Can I File Bankruptcy Myself in Florida?



Although technically you can do it, it is not easy to file bankruptcy on your own in Florida. It can be overwhelming to file for bankruptcy if you’re unfamiliar with the process. You will need legal knowledge, financial documents, and a lot of paperwork.

You may benefit from the advice of a bankruptcy lawyer at our firm if you are considering filing for bankruptcy.

What Your Creditors Do When You File for Bankruptcy

  • Your debts will be frozen.
  • The IRS can’t garnish your wages.
  • Your secured assets cannot be repossessed by the bank.
  • Your property is protected in other ways.
  • You will be able to freeze your debts until the bankruptcy proceedings are concluded.

This is just a small sample of what creditors will say when you file for bankruptcy. The process itself is not as easy as it may seem. Our bankruptcy attorney can help you understand your options.

Most Common Bankruptcy Types 

People generally choose between three different types of bankruptcy, depending on their specific needs and debt. These are Chapter 7, Chapter 11, or Chapter 13.

Here are some bankruptcy options as described by the United States Courts.

Chapter 7

In this form of bankruptcy, you sell your assets to settle your debts. You may not be eligible for Chapter 7 bankruptcy if your income is high. If this is the case, then you’ll need to file Chapter 13 bankruptcy.

Chapter 11

This type of bankruptcy is primarily aimed at business ventures such as restructuring your company and prioritizing finances. You may be able to continue to run your business if you meet certain requirements.

Chapter 13

You will have to file Chapter 13 bankruptcy if your income is above average. Chapter 13 bankruptcy allows for the retention of certain assets while making monthly payments to repay your debts.

Our firm’s attorneys can help you better understand the meaning of each bankruptcy type. It is important to understand the long-term and short-term consequences of bankruptcy.

This post was written by Trey Wright, a Florida Bankruptcy Lawyer! Trey is one of the founding partners of Bruner Wright, P.A. Attorneys at Law, specializing in bankruptcy law, estate planning, and business litigation.

The information provided on this website does not, and is not intended to, constitute legal advice; all information, content, and materials available on this site are for general informational purposes only. Information on this website may not constitute the most up-to-date legal or other information. This website contains links to other third-party websites. Such links are only for the convenience of the reader, user or browser; the ABA and its members do not recommend or endorse the contents of the third-party sites.



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