Information about Florida Personal Bankruptcy, including information you need to know before filing bankruptcy and procedures for after filing a bankruptcy petition.
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Florida Personal Bankruptcy

Florida Personal Bankruptcy is an option for individuals who are feeling overwhelmed by the amount of debt they owe, and have no way to continue paying on their debts.  This website was designed to provide free information to those considering Florida Personal Bankruptcy.  The information on this website is meant to provide basic information about Florida Personal Bankruptcy and the course of events you may experience if you were to file a Petition for Bankruptcy in Florida.

Bankruptcy is a right guaranteed by the U.S. Constitution and is designed to give "the honest debtor a fresh start."  There is nothing "wrong" or shameful about filing a bankruptcy.  It is not a government handout or entitlement.  It is every citizen's right, by law, and is meant to put honest people back on their feet.  The  government knows that this is the best way to make an individual a productive citizen again.

Introduction to Florida Personal Bankruptcy

The new bankruptcy law (effective October 17, 2005) makes filing bankruptcy more complicated.  The new laws includes impediments to filing bankruptcy, new bankruptcy court rules, new forms, and additional work for debtors and their attorneys.  Additionally, there are many parts of the new law which are ambiguous and subject to multiple interpretations.  Because of this, there is some risk and uncertainty about how the new law may impact your assets.

However, as judges interpret and clarify this law through their court decisions, the new bankruptcy law will become more clear over time.  Because bankruptcy courts are located all over the country, even after one judge interprets a part of the new law, it will take time for the judge's interpretation to be tested on appeal and for the ultimate ruling to spread throughout the country's legal community and courts.

Who can file Personal Bankruptcy in Florida

Only a permanent resident of Florida can file bankruptcy in a Florida bankruptcy court. There are three Florida bankruptcy districts (Southern District, Middle District, and Northern District).  Each of Florida’s counties is assigned to one of the three bankruptcy districts. You must file bankruptcy in the district of your residence.

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