Florida Bankruptcy Attorney: Chapter 7 & Chapter 13 for Individuals, Chapter 11 & Subchapter V for Businesses
Daniel Lomba is a Florida Bankruptcy Attorney whose team helps individuals, families, and business owners respond to creditor lawsuits, aggressive collection pressure, and unmanageable debt. Backed by 20 years of combined legal experience, the firm provides attorney-led debt relief strategies designed around the specific debt load, income situation, and assets involved. Attorneys review income, debts, exemptions, secured vs. unsecured obligations, and business structure to determine whether Chapter 7 liquidation, Chapter 11 reorganization, or Subchapter V offers the strongest path to relief — including cases involving merchant cash advance debt that may qualify for Subchapter V treatment.
Florida Bankruptcy attorney provides practical guidance to individuals and businesses in Fort Lauderdale, Miami, Orlando, Boca Raton, Tampa, West Palm Beach, and surrounding Florida communities when creditors threaten legal action, debt has become unmanageable, or a business needs to restructure to survive. Representation may include Chapter 7 liquidation, Chapter 11 business reorganization, Subchapter V small business bankruptcy, creditor harassment defense, and asset protection planning. The goal is to stop immediate financial pressure, protect income and assets, and build a workable path forward based on the specific facts of the case, not a one-size-fits-all debt-relief program.
Request a Free Quote
Real Relief From Overwhelming Debt, Built Around Your Case
Attorney-Led Debt Relief
We combine deep knowledge of Chapter 7 and Chapter 13 law with a hands-on approach to every filing, so you get a strategy built around your actual finances — not a one-size-fits-all form.
Florida's Strongest Exemptions
We apply Florida's homestead, vehicle, retirement, and personal property exemptions to protect what you own, so most clients keep their home, car, and savings through the process.
Tailored to Your Situation
Whether you're facing foreclosure, garnishment, repossession, or business debt, we review your income, assets, and deadlines to recommend the chapter and strategy that actually fits.
Handled From Filing to Discharge
From the means test and credit counseling to the petition, the 341 meeting, and your final discharge, our team manages every step so you can move forward with confidence.
Our Florida Bankruptcy Services
Chapter 7 Bankruptcy
Florida Bankruptcy Attorney helps clients discharge unsecured debt — credit cards, medical bills, personal loans, deficiency balances, and most judgments- usually within four to six months. Florida's exemptions protect a great deal, which is why most Chapter 7 cases in the state are "no-asset" cases where filers keep everything they own..
Chapter 13 Bankruptcy
When you're behind on a mortgage or car loan and want to keep the property, a three- or five-year repayment plan lets you cure the arrears while resuming regular payments. This chapter also allows lien stripping on wholly unsecured second mortgages and cramdown of vehicle loans older than 910 days..
Chapter 11 Subchapter V
Florida Bankruptcy Attorney handles Subchapter V cases for small business owners looking to reorganize without the cost and complexity of traditional Chapter 11. There's no creditor committee unless the court orders one, no absolute priority rule so owners can retain equity, and a plan can be confirmed without creditor approval if it commits disposable income for three to five years.
Bankruptcy for Seniors & Social Security Protection
Social Security benefits are excluded from the means test and fully protected from creditors, and retirement accounts like 401(k)s, IRAs, and pensions are exempt under Florida law. Seniors on fixed incomes frequently fall below the Florida median, making Chapter 7 a straightforward way to discharge medical debt and credit card balances accumulated during retirement — without putting benefits at risk. Florida Bankruptcy Attorney also reviews Florida's unlimited homestead exemption, which protects the family home regardless of equity once the ownership requirement is met.
MCA Debt & Business Bankruptcy Relief
When a merchant cash advance company sues, files a UCC lien, or freezes a business bank account, Chapter 11 Subchapter V can restructure that debt while the business keeps operating. Florida Bankruptcy Attorney works alongside Daniel Lomba's MCA defense practice to determine whether bankruptcy or a negotiated settlement offers the stronger path forward.
Sole Proprietor Bankruptcy
If your business has no separate legal identity, business and personal debts are one and the same, so a single Chapter 7 or Chapter 13 case can address trade debt, business credit cards, equipment loans, and household obligations together. Florida Bankruptcy Attorney reviews which exemptions apply to business assets, including the $1,000 personal property exemption or the increased $4,000 exemption when no homestead is claimed.
What to Expect
Without an attorney and with an attorney
Florida Bankruptcy attorney is proudly serving clients across every Florida county, from Tampa Bay and Orlando to Miami, Fort Lauderdale, and Jacksonville. Wherever you're located in the state, Florida Bankruptcy Attorney handles cases in all three federal bankruptcy districts — Northern, Middle, and Southern — and manages much of the process remotely, so distance is never a barrier to getting the relief you need.
What Our Clients Say
Frequently Asked Questions
It depends on the case — court filing fees, attorney fees, and required courses all factor in, and fee waivers or installment payments may be available based on your income. Florida Bankruptcy Attorney quotes a flat fee upfront during your free consultation, so you know the full cost before you decide to move forward.
There's no single dollar figure — eligibility depends on the means test, which compares your household income to the Florida median for your household size. If you earn above the median, you're not automatically disqualified; the second part of the test deducts allowable expenses to determine disposable income.
If you claim the homestead exemption, your personal property exemption is limited to $1,000, plus $1,000 for a vehicle. If you don't claim homestead, you can use the $4,000 wildcard exemption instead, which can include cash. Social Security, retirement accounts, and unemployment compensation are separately protected regardless of these limits
Florida's homestead exemption protects unlimited equity in your primary residence, subject to acreage limits, once you've owned the property for at least 1,215 days. You still need to stay current on mortgage payments. Vehicles are exempt up to $1,000 in equity, combinable with the $4,000 wildcard if homestead isn't claimed
Chapter 7 liquidates non-exempt assets and discharges qualifying unsecured debt, usually within four to six months. Chapter 13 reorganizes debt into a three- or five-year repayment plan while you keep your assets. Chapter 13 is often better if you're behind on mortgage payments or have income above the means test threshold.
Chapter 7 remains on your credit report for 10 years from the filing date; Chapter 13 remains for 7 years. This doesn't mean you can't get credit during that period — many clients qualify for secured cards within months and auto financing within one to two years after discharge.