Expert bankruptcy guides for Florida residents by attorney Steven C. Fraser. Chapter 7, Chapter 13, student loans, tax debt, and exemptions across all three federal districts.
What the 2026 DOJ median income numbers mean for Florida Chapter 7 eligibility. Learn how the means test works, what counts as income, and what happens if you're above the median.
Read article →Florida's unlimited homestead exemption protects your home equity in bankruptcy with no dollar cap. Learn the requirements, the 1,215-day rule, and how it compares to other states.
Read article →Divorce decrees divide debt but don't bind creditors. Learn how Chapter 7 bankruptcy after divorce in Florida can eliminate joint debt exposure your divorce couldn't resolve.
Read article →Division-specific guide covering the NDFL's four divisions, local trustees, means test thresholds, military filer protections, and the filing-to-discharge timeline.
Read article →Navigate the busiest bankruptcy district in Florida -- covering four divisions, negative notice procedures, IRS Local Standards by county, and tourism industry considerations.
Read article →How South Florida's high cost of living, condo association issues, and international asset considerations shape Chapter 7 practice in the SDFL.
Read article →Cure mortgage arrears over 3-5 years, strip junior liens, and keep your home while the automatic stay stops foreclosure proceedings in their tracks.
Read article →The 910-day rule, Till interest rate formula, fair market value determination, and practical cramdown examples across Florida's three bankruptcy districts.
Read article →How the DOJ attestation process has changed student loan discharge, the Brunner test in the Eleventh Circuit, and the adversary proceeding requirements in Florida courts.
Read article →Income-driven repayment coordination, PSLF interaction, co-debtor stay for parent co-signers, and strategies to maximize student loan management through the plan.
Read article →The 3-2-240 rule for tax discharge explained -- priority vs. non-priority tax claims, IRS assessment dates, lien survival, and strategic filing timing.
Read article →Side-by-side comparison of Chapter 13, IRS installment agreements, and offers in compromise -- interest, penalties, collection stays, and Florida-specific considerations.
Read article →Every Florida exemption explained -- unlimited homestead, $1,000 personal property, vehicle, wages, retirement, life insurance, tenancy by the entirety, and the 730-day domicile rule.
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