DAYTONA BEACH CHAPTER 7 BANKRUPTCY ATTORNEY

Trusted Legal Help When You Need a Fresh Start

At My Affordable Attorney, our Daytona Beach Chapter 7 bankruptcy attorney is ready to protect your rights, your assets, and your future. If overwhelming debt has made it difficult to move forward, Chapter 7 bankruptcy may provide the relief you need.

Chapter 7 — often called “liquidation bankruptcy” — can eliminate many unsecured debts and give you a true financial reset. If you are considering filing, we offer fully confidential consultations to help you understand your options and make the best decision for your situation.

Contact our Daytona Beach office today to speak with an experienced Florida bankruptcy lawyer.

Understanding Chapter 7 Bankruptcy in Daytona Beach

Chapter 7 bankruptcy is designed to discharge unsecured debts such as:

• Credit card balances
• Personal loans
• Medical bills
• Certain judgments
• Deficiency balances after repossession

To qualify, you must pass the federal means test, which compares your income to the Florida median for your household size. Even if your income is above the median, allowable expenses may still qualify you under the second part of the test.

After filing:

• An automatic stay immediately stops most collections, lawsuits, and garnishments
• A court-appointed trustee reviews your finances
• Non-exempt assets (if any) may be liquidated
• Most remaining unsecured debts are discharged

Good news: Florida law provides some of the strongest asset protections in the country. Many Chapter 7 filers keep all or most of their property, including:

• Homestead equity
• Retirement accounts
• Personal property within exemption limits

Affordable Representation — Because Financial Relief Should Be Accessible

At My Affordable Attorney, we focus on cost-effective legal solutions for individuals and families facing serious financial challenges.

Your fight is priced right.

We provide:

• Transparent fees
• Efficient case handling
• Personalized legal guidance
• Compassionate support throughout the process

Chapter 7 Bankruptcy FAQs

Who Qualifies for Chapter 7?

You must pass the means test based on income and allowable expenses. Many people qualify even if they assume they won’t. A bankruptcy attorney can evaluate your eligibility quickly.

What Debts Can Be Eliminated?

Most unsecured debts are dischargeable, including credit cards, medical bills, and personal loans.

Debts generally not dischargeable include:

• Most student loans
• Recent tax debts
• Child support and alimony
• Certain fines or penalties

We will review your specific debts and explain exactly what can and cannot be wiped out.

What Does the Trustee Do?

The trustee is appointed by the court to administer your case. Their responsibilities include:

• Reviewing your bankruptcy petition
• Verifying financial disclosures
• Identifying any non-exempt assets
• Distributing funds to creditors if necessary

An experienced attorney helps ensure the process runs smoothly and protects your interests.

Speak With a Daytona Beach Chapter 7 Bankruptcy Lawyer Today

You do not have to face overwhelming debt alone. Our legal team is ready to help you understand your options and move toward a fresh financial start.

Contact My Affordable Attorney today to schedule a confidential consultation at our Daytona Beach office. We proudly serve clients throughout Volusia County and the surrounding region.