What Does It Cost to File Bankruptcy in Florida?

What Does It Cost to File Bankruptcy in Florida?If you are considering filing for bankruptcy in Florida, there is a lot to consider. From understanding what type of bankruptcy you should file for, to the cost associated with filing, you must have all the details before making any decisions.

Chapter 7 Bankruptcy Cost

Chapter 7 is the most common type of consumer bankruptcy. It is sometimes referred to as a “liquidation” or “straight liquidation” bankruptcy. This form of bankruptcy allows individuals to discharge unsecured debt such as credit cards and medical bills.

The cost of filing Chapter 7 in Florida depends on where you live and your income level. In some cases, the court may waive certain fees if you meet certain qualifications.

Generally speaking, the cost of filing Chapter 7 includes the filing fee and an administrative fee for each creditor listed on your petition. There may also be additional costs associated with hiring an attorney.  It’s important to remember that these costs may vary from state to state, so it’s important to do your research beforehand.

Chapter 13 Bankruptcy Cost

Chapter 13 is sometimes referred to as a “reorganization” or “wage earner” bankruptcy because it requires debtors to reorganize their finances under a repayment plan supervised by a court-appointed trustee over 3 to 5 years.

While this form of bankruptcy allows individuals to keep certain assets such as cars and homes, it’s not free. The cost includes a filing fee and an additional administrative fee per creditor listed on your petition. This is in addition to other potential fees associated with hiring an attorney.

Again, these fees may vary depending on where you live and whether or not you meet certain qualifications.

How Do I Know I Should File?

Deciding whether or not to file for bankruptcy is not a light decision. Before making this decision, it’s important to strongly consider other options such as credit counseling and debt management plans.

Additionally, filing for bankruptcy can have serious long-term consequences. For instance, it negatively impacts your credit score and can make it obtaining a loan difficult. Filing for bankruptcy may be an appropriate choice if you are unable to pay off your debts after months of trying different strategies such as budgeting and consolidating payments. In these cases, filing for bankruptcy may be your best option to get out of overwhelming debt and move forward with your financial life.

How Can I Get Help?

If you are considering filing for bankruptcy, it’s important to consult with an experienced attorney. They’ll help you understand your rights and responsibilities throughout the process.

Additionally, speaking with an accredited non-profit credit counseling agency can help provide additional insights into whether or not filing for bankruptcy is the right choice for you.

Filing for bankruptcy can be difficult, but it doesn’t have to be made alone. There are resources available that can help guide this process. Before making any decisions about filing for bankruptcy, take some time to research available options. You should also speak with an experienced attorney who can provide advice tailored specifically to your situation and goals. Taking these steps will ensure that you make an appropriate decision so that you can move forward financially securely and confident in your choices.

For more information or to speak to someone about filing for bankruptcy, contact the Law Offices of Robert M. Geller at 813-254-5696 to schedule a free consultation with an experienced attorney.


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Tampa Office

Law Offices of Robert M. Geller, P.A.
807 West Azeele Street
Tampa, FL 33606
T: (813) 254-5696
T: (800) 853-7549
F: (813) 253-3405

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Law Offices of Robert M. Geller, P.A.
125 5th Street South
(Wells Fargo Financial Center)
2nd Floor, Suite G
St. Petersburg, FL 33701
T: (727) 532-3939

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23526 State Road 54
Lutz, FL 33559
T: (813) 336-2320

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