Debt happens — medical bills, job loss, divorce, or simply life catching up. Principle Legal Offices, P.A. helps Deltona, DeLand, and Orange City families understand their options under Chapter 7 and Chapter 13 bankruptcy.
We walk you through every step, explain what property is protected under Florida exemptions, and handle the paperwork and court process so you don’t have to face creditors alone.
Bankruptcy & Debt Relief Services
- Chapter 7 Bankruptcy. Liquidation bankruptcy that can eliminate most unsecured debt, often within a few months.
- Chapter 13 Bankruptcy. A repayment plan that lets you catch up on your mortgage or car loan while protecting your property.
- Stopping Wage Garnishment. Filing can immediately halt garnishments, repossession, and most collection calls.
- Foreclosure Defense. Exploring options to slow or stop foreclosure while you get back on your feet.
- Credit Counseling Guidance. Meeting required pre- and post-filing counseling requirements without confusion.
- Exemption Planning. Structuring your filing to protect your home, vehicle, and essential property.
Frequently Asked Questions
Will I lose my house or car if I file bankruptcy?
Not necessarily — Florida’s exemption laws and Chapter 13 in particular are designed to let you keep your home and vehicle.
How much does it cost to file bankruptcy in Florida?
Costs include filing fees and attorney fees, which vary by chapter — discussed upfront in your free consultation.
Will bankruptcy stop debt collectors from calling?
Yes — filing triggers an automatic stay that generally halts collection calls, lawsuits, and garnishments.
How long does bankruptcy stay on my credit report?
Chapter 7 up to 10 years, Chapter 13 up to 7 years — though credit often improves well before then.