Filing for bankruptcy can help you take control of your financial life. But finding the information you need to get your Florida bankruptcy case started can be confusing.
In this article, you’ll learn how to find much of the information you’ll need, including official bankruptcy forms, income-qualifying (means testing) data, credit counseling providers, and lists of property you can protect (exempt). You'll also learn how to find your local Florida bankruptcy court.
(If you aren’t sure which bankruptcy chapter is right for you, read What Is the Difference Between Chapter 7 and Chapter 13 Bankruptcy?)
When you file for bankruptcy, you’ll use the official bankruptcy forms found on the U.S. Bankruptcy Court forms website to disclose your income, expense, debt, asset, and property transaction information. Each form has basic instructions to help you fill out the bankruptcy form. (The form doesn’t explain bankruptcy law, however—you’ll be responsible for understanding what will happen in your matter.)
The bankruptcy case starts after the completed paperwork gets filed in the local bankruptcy court (more below) along with a filing fee or a fee waiver request.
You’ll need to gather together financial documents when completing the paperwork. But that’s not all. Here’s where you’ll find additional information for your Florida bankruptcy filing.
Florida, being a large state, has three bankruptcy districts—Northern, Middle, and Southern. Each has multiple locations serving various geographical areas and web pages where you can access the following court information:
Clicking on the district name will take you to the court’s homepage.
Be sure to check your Florida court website for local forms required in your Florida bankruptcy court district. If you need help, contact the court clerk.
You’ll find some of the state-specific information you’ll need on the U.S. Trustee website:
You’re allowed to protect at least some of your property (possibly all) when you file a bankruptcy case. Florida state law determines the assets that you’ll be able to exempt.
If you file for Chapter 7 bankruptcy, the bankruptcy trustee assigned to your case will sell nonexempt property and use the funds to pay creditors. By contrast, a Chapter 13 bankruptcy filer will pay creditors the value of nonexempt property in the three- to five-year repayment plan.
(Learn what property you can protect in Florida Bankruptcy Exemptions.)
This overview doesn’t provide all the information you’ll need to file your Florida bankruptcy case. You’ll be responsible for understanding all applicable bankruptcy law, and making a mistake can be costly. Most people find it worthwhile to take advantage of the free initial evaluation offered by many local bankruptcy attorneys.