Not the End, But a New Beginning
At F&L Law Group, we don’t see bankruptcy as a last resort—we see it as a tool for rebuilding your financial health. If you’re struggling with debt, bankruptcy can provide relief and a fresh start. Our team is here to guide you through this challenging time with care, expertise, and a clear plan tailored to your unique situation. We help you make informed decisions, ensuring you understand your options and take the right steps toward financial stability.
Your Path to Financial Relief
Bankruptcy is designed to give you a structured way to handle overwhelming debt. Whether it involves restructuring your debt, creating a manageable repayment plan, or eliminating certain debts, the process is meant to provide relief. More than just a legal process, bankruptcy offers protection from aggressive creditors and allows you the breathing room to move forward with confidence.
At F&L Law Group, we have helped over 5,000 clients navigate the bankruptcy process, and we know firsthand how stressful financial difficulties can be. That’s why we take a compassionate, personalized approach to every case. From your initial consultation to the final resolution, we are here to support you every step of the way. Our mission is to ease your financial burden, provide clarity, and help you achieve long-term financial stability.
0
+
Filed Bankruptcy Cases
We’ve successfully filed over 5,000 bankruptcies, showcasing our proven track record in client advocacy.
Stop Creditor Harassment
If you’re overwhelmed by debt, you may be dealing with relentless phone calls, emails, and threats from creditors. Filing for bankruptcy triggers an “automatic stay,” a legal safeguard that immediately stops most collection efforts, lawsuits, wage garnishments, and creditor harassment. This protection allows you to focus on rebuilding without constant pressure from collectors. We ensure that you understand your rights and guide you through this process so you can regain peace of mind.
Understanding the Bankruptcy Process
At F&L Law Group, we take the time to explore your options, explain the benefits and potential challenges of each bankruptcy chapter, and identify any hurdles you may face. Our goal is to make the process as smooth as possible by ensuring accurate paperwork, timely filings, and expert representation.
Here’s what you can expect:
1. Choosing the Right Bankruptcy Chapter
Chapter 7
Also known as "liquidation," Chapter 7 helps clear most unsecured debts. It is ideal for individuals with limited income and few non-exempt assets.
Chapter 13
Often called "reorganization," Chapter 13 allows individuals to create a structured repayment plan over 3 to 5 years while keeping their assets.
Chapter 11
Typically used for businesses but also available to individuals, Chapter 11 allows for debt restructuring while continuing daily operations.
Chapter 12
Designed for family farmers and fishermen, Chapter 12 takes into account seasonal cash flow and the unique financial needs of these industries.
2. Filing Your Bankruptcy Petition
Once we determine the best course of action, we prepare and file your bankruptcy petition with the U.S. Bankruptcy Court for the Middle District of Florida. This includes submitting a list of creditors, assets, income, expenses, and a statement of financial affairs. We ensure all details are accurate and submitted on time to prevent delays.
3. Attending the Meeting of Creditors (341 Meeting)
About 20-40 days after filing, you will attend the “Meeting of Creditors.” This meeting is conducted by the bankruptcy trustee, who will review your financial information and ask any necessary questions. While creditors have the right to attend, they typically do not. We will be by your side, ensuring you are prepared and supported throughout the process.
4. Debt Repayment or Discharge
Chapter 7: If no complications arise, your case will proceed to discharge within a few months, and most eligible debts will be wiped out.
Chapter 13: You will follow a court-approved repayment plan for 3-5 years, after which remaining eligible debts may be discharged.
Chapter 11: You will propose a reorganization plan that must be approved by the court, allowing for continued operations while managing debts.
5. Finalizing Your Bankruptcy Case
Once you have completed your repayment plan or your debts have been discharged, your case will be closed. At this stage, we will ensure you understand any final steps or documentation needed to complete the process. If you are filing in Southwest Florida, your case will be managed by the U.S. Bankruptcy Court for the Middle District of Florida, including the Fort Myers Division.
A Fresh Start Begins Here at F&L Law Group
At F&L Law Group, we are dedicated to guiding you toward financial stability. Whether you need immediate debt relief or a structured plan to regain control, we are here to provide expert legal counsel and compassionate support. Bankruptcy is not the end—it’s a new beginning. Contact us today to schedule a consultation and take the first step toward a brighter financial future.
Personalized Consultations
At F&L Law Group, we believe that every bankruptcy situation is distinct and deserves a personalized approach. Our consultations are designed to understand your unique financial challenges and goals. With our expertise, we craft tailored strategies, ensuring you're equipped with clarity and direction for your bankruptcy journey.
Understanding Your Options
At F&L Law Group, we simplify your bankruptcy choices, offering clarity and guidance. Our team expertly explains the specifics of Chapter 7, 11, and 13. By aligning your unique financial situation with the best-suited path, we aim for effective relief and a sustainable path to a brighter financial future.
Court Filing Assistance
At F&L Law Group, your courtroom representation is our priority. Our seasoned attorneys advocate fiercely foryour interests, using their bankruptcy expertise to protect your rights and present your case with utmost clarity.You're not alone in this pivotal phase.
Representation in Court
In the courtroom, F&L Law Group stands resolutely by your side. Our attorneys adeptly represent your interests, leveraging deep bankruptcy law expertise. We ensure your rights are safeguarded and your case is presented with clarity, offering you unwavering support during this pivotal phase.
Post-Bankruptcy Guidance
Post-bankruptcy, the journey with F&L Law Group doesn't end. We're committed to setting you on a path of sustained financial recovery. Offering resources, advice, and tools, we guide you in rebuilding your credit, managing finances, and ensuring you're well-equipped for a brighter, debt-free future.
Why Choose F&L Law Group for Your Bankruptcy Needs
At F&L Law Group, we recognize that facing bankruptcy is more than just a legal process—it’s a deeply personal journey that demands a compassionate and tailored approach. Here’s why partnering with us is the best choice for your bankruptcy needs:
Deep
Expertise
Our seasoned attorneys possess extensive experience in navigating the intricate nuances of bankruptcy law. With a combined 30+ years in the field, you’re not just hiring a law firm; you’re securing a team that knows the ins and outs of the legal landscape.
Client-Centric
Approach
Every client’s financial situation is unique, and so is our approach at F&L Law Group. We listen to your concerns, understand your goals, and craft a tailored strategy to navigate your path to financial recovery. With us, you’re not just a case; you’re a valued partner.
Clear
Communication
In the intricate world of bankruptcy, understanding each step is crucial. We prioritize open dialogues, ensuring you’re not only informed but also understand the nuances. You can feel confident in every decision and action taken on your behalf.
Comprehensive
Solutions
Bankruptcy isn’t a one-size-fits-all solution. Whether you’re considering Chapter 7, Chapter 11, or Chapter 13, we offer a wide range of services to cater to varied financial situations.
Proven Track
Record
Our success stories speak volumes. Clients throughout Florida have turned financial distress into recovery, all thanks to our robust representation and unwavering support.
Ethical &
Transparent
With F&L, there are no hidden fees or surprises. Our commitment to ethical practice ensures you receive honest counsel and transparent pricing.
Schedule Your Free Consultation Now
Take Control of Your Financial Issues And Start Fresh
Your Questions Answered
Frequently Asked Questions
Bankruptcy can be a viable solution for those facing overwhelming debt, but it's essential to evaluate your financial situation, long-term goals, and potential alternatives. Consulting with a bankruptcy attorney can offer clarity and guide you in determining the best course of action tailored to your unique circumstances.
A Chapter 7 bankruptcy typically remains on your credit report for 10 years from the filing date, while a Chapter 13 bankruptcy stays for 7 years from the date of discharge or 10 years if not discharged.
No, certain debts like alimony, child support, most student loans, and some tax obligations cannot be discharged in bankruptcy.
Not necessarily. Depending on your situation and the bankruptcy chapter filed, there are exemptions that may allow you to keep your primary residence and vehicle, especially if they're crucial for your livelihood.
While there's no limit to how many times you can file, there are waiting periods between filings. For instance, between two Chapter 7 filings, there's typically an 8-year gap.
While it's technically possible to file on your own, the process is complex. An attorney can guide you through, ensuring paperwork accuracy, protecting your rights, and maximizing the benefits of bankruptcy.
STAY CONNECTED
Copyright 2024-25 © All Rights Reserved – F&L Law Group, P.A.