Where to File Bankruptcy in Florida

Where to File Bankruptcy in Florida

Bankruptcy can be a difficult and overwhelming process, but when you are faced with insurmountable debt, it may be the best option to get a fresh start. If you reside in Florida and are considering filing for bankruptcy, it’s important to understand where to file and what steps to take. This article will guide you through the process and provide answers to frequently asked questions about filing bankruptcy in Florida.

Filing for bankruptcy in Florida falls under the jurisdiction of the United States Bankruptcy Court for the Middle District of Florida. This district covers a vast area, including 35 counties in central Florida, covering cities such as Orlando, Tampa, and Jacksonville. To determine the specific division where you should file, you must first establish your county of residence.

Once you know your county, you will need to familiarize yourself with the bankruptcy court’s website for the Middle District of Florida. This website contains valuable resources and information, including the necessary forms and instructions for filing bankruptcy in Florida. It is crucial to review this information thoroughly before proceeding with your case.

To begin the bankruptcy process, you must complete the necessary forms and file them with the appropriate division of the bankruptcy court. These forms typically include a petition, schedules of assets and liabilities, a statement of financial affairs, and a certificate of credit counseling completion. The court’s website will provide specific instructions on how to complete these forms accurately.

After filing your bankruptcy forms, you will be required to pay a filing fee. In Florida, the fee for filing Chapter 7 bankruptcy is $335, while the fee for filing Chapter 13 bankruptcy is $310. If you are unable to afford the filing fee, you may be eligible for a fee waiver. The court’s website will provide information on how to request a fee waiver and the eligibility criteria.

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Once your forms are filed, the court will assign a bankruptcy trustee to oversee your case. The trustee will review your financial information, conduct a meeting of creditors, and make recommendations to the court regarding the disposition of your assets. It is essential to cooperate fully with the trustee and provide all requested documentation to ensure a smooth process.

Bankruptcy can have significant consequences on your credit score and financial future, so it’s crucial to proceed with caution and seek professional guidance. Consider consulting with a bankruptcy attorney who specializes in Florida bankruptcy law. An experienced attorney can help you navigate the complexities of the bankruptcy process, ensure your rights are protected, and provide guidance on the best course of action for your specific situation.

Frequently Asked Questions:

1. What are the different types of bankruptcy available in Florida?

In Florida, the most common types of bankruptcy are Chapter 7 and Chapter 13. Chapter 7 bankruptcy involves liquidating your non-exempt assets to pay off creditors, while Chapter 13 bankruptcy allows you to create a repayment plan to pay off your debts over a three to five-year period.

2. Will I lose all my assets if I file for bankruptcy in Florida?

No, Florida law allows you to exempt certain assets from the bankruptcy process. These exemptions include your primary residence, personal property, retirement accounts, and more. Consulting with a bankruptcy attorney can help you understand which exemptions apply to your specific situation.

3. How long does the bankruptcy process take in Florida?

The duration of the bankruptcy process can vary depending on the complexity of your case. On average, Chapter 7 bankruptcy cases in Florida can take approximately three to six months, while Chapter 13 cases can take three to five years to complete.

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4. Will bankruptcy stop creditors from harassing me?

Yes, filing for bankruptcy initiates an automatic stay, which prohibits creditors from continuing collection efforts, including phone calls, lawsuits, and wage garnishments. However, it’s important to note that certain debts, such as child support and student loans, may not be dischargeable through bankruptcy.

5. Can I file for bankruptcy without an attorney?

While it is possible to file for bankruptcy without an attorney, it is highly recommended to seek professional guidance. Bankruptcy laws can be complex, and a single mistake in the filing process can have serious consequences. An attorney experienced in bankruptcy law can ensure your rights are protected and help you navigate the process smoothly.


Filing for bankruptcy in Florida can be a complex process, but understanding where to file and what steps to take is crucial. By familiarizing yourself with the United States Bankruptcy Court for the Middle District of Florida and seeking professional guidance, you can navigate the process with confidence. Remember, bankruptcy is not a decision to be taken lightly, so consider all your options and consult with an attorney to determine the best course of action for your financial future.