Florida Bankruptcy

Bankruptcy laws and resources vary depending on your jurisdiction. The following page provides Florida bankruptcy information and resources.



If you are not looking for information regarding Florida, please use the links on the left to find information for your state.



Bankruptcy Courts - Location and Contact Information

Florida bankruptcy courts are divided into three districts, which are further divided into several divisions. Generally, the debtor’s county of residence will determine which district and division the bankruptcy petition is filed. It may also be determined by the location of the debtor’s principal place of business or principal assets.



NORTHERN DISTRICT OF FLORIDA

Counties of Jurisdiction:

Tallahassee Division - Franklin, Gadsden, Jefferson, Leon, Liberty, Madison, Taylor and Wakulla Counties

Pensacola Division - Escambia, Okaloosa, Santa Rosa and Walton Counties

Panama City Division - Bay, Calhoun, Gulf, Holmes, Jackson and Washington Counties

Gainesville Division - Alachua, Dixie, Gilchrist, Lafayette and Levy Counties

DIVISION STREET ADDRESS MAILING ADDRESS TELEPHONE
Tallahassee
Division
U.S. Bankruptcy Court
110 East Park Avenue
Suite 100
Tallahassee, FL 32301
Same (850) 521-5001
Pensacola
Division
U.S. Bankruptcy Court
220 West Garden Street
Suite 700
Pensacola, FL 32502
Same (850) 435-8475

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MIDDLE DISTRICT OF FLORIDA

Counties of Jurisdiction:

Fort Myers Division - Charlotte, Collier, De Soto, Glades, Hendry and Lee Counties

Jacksonville Division - Baker, Bradford, Citrus, Clay, Columbia, Duval, Flagler, Hamilton, Marion, Nassau, Putnam, St. Johns, Sumter, Suwannee, Union and Volusia Counties

Orlando Division - Brevard, Lake, Orange, Osceola and Seminole Counties

Tampa Division - Hardee, Hernando, Hillsborough, Manatee, Pasco, Pinellas, Polk and Sarasota Counties

DIVISION STREET ADDRESS MAILING ADDRESS TELEPHONE
Jacksonville
Division
U.S. Bankruptcy Court
300 North Hogan Street
Suite 3-350
Jacksonville, FL 32202
Same (904) 301-6490
Orlando
Division
U.S. Bankruptcy Court
135 W. Central Boulevard
Suite 950
Orlando, FL 32801

Same
(407) 648-6365
Tampa
Division
U.S. Bankruptcy Court
801 N. Florida Avenue
Suite 727
Tampa, FL 33602
Same
(813) 301-5065 or
(813) 301-5046
Fort Myers
Division
U.S. Bankruptcy Court
2110 First Street
Fort Myers, FL 33901
*use Tampa address above

 

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SOUTHERN DISTRICT OF FLORIDA

Counties of Jurisdiction:

West Palm Beach Division - Highlands, Indian River, Martin, Okeechobee, Palm Beach and St. Lucie Counties

Fort Lauderdale Division - Broward County

Miami Division - Dade and Monroe Counties

DIVISION STREET ADDRESS MAILING ADDRESS TELEPHONE
West Palm Beach
Division
U.S. Bankruptcy Court
1675 Palm Beach Lakes Blvd.
8th Floor
West Palm Beach, FL 33401
Same
(561) 514-4100
Fort Lauderdale
Division
U.S. Bankruptcy Court
299 E. Broward Blvd.
Room 112
Fort Lauderdale, FL 33301

Same (954) 769-5700
Miami
Division
U.S. Bankruptcy Court
51 S.W. 1st Avenue
Room 1517
Miami, FL 33130
Same
(305) 714-1800

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Florida Bankruptcy Laws and Exemptions

Florida Exemptions

The U.S. Bankruptcy Code allows individual debtors to exempt certain property from creditor claims based on exemptions under either federal law or state law. Exemptions vary from state to state. Some states have adopted their own set of bankruptcy exemptions that are used in place of the federal exemptions. However, other states give debtors an option to choose between either state or federal exemptions.

For Florida bankruptcy filings, state exemptions are used. Click here for some common bankruptcy exemptions under Florida Code.

Contact a Florida bankruptcy lawyer for more information regarding Florida bankruptcy exemptions.

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Florida Means Test

The new bankruptcy laws enacted in 2005 also require that debtors pass a means test before filing a Chapter 7 bankruptcy. There are two ways to pass the means test:

1. the debtor's annual income (calculated using the average gross income for the six month period prior to filing) must be below the state median. Census Bureau statistics for state median income by family size can be found here (for cases filed between April 1, 2013 and April 30, 2013).

2. If income exceeds the median income, individuals may still file Chapter 7 bankruptcy based on results of Form 22A: Chapter 7 Statement of Current Monthly Income and Means-Test Calculation. .

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Florida Credit Counseling and Debtor Education Agencies

Pursuant to the new bankruptcy laws enacted in 2005, individuals who file personal bankruptcy (with limited exceptions) in Florida must:

1. take a credit counseling course from an approved Florida credit counseling provider within six months before filing bankruptcy; and

2. complete a debtor education course from an approved Florida debtor education agency prior to receiving a bankruptcy discharge.

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Florida Personal Bankruptcy Attorneys

To find Florida bankruptcy lawyers in your area, you may want to contact your local county bar association or the Florida State Bar Association:

The Florida Bar
651 E. Jefferson Street
Tallahassee, FL 32399-2300
(850) 561-5600

Based on income, free bankruptcy advice and representation may also be obtained from the following organizations: See the Florida Legal Services Directory for a list of organizations that provide legal services to low income clients in Florida.

If you are concerned about the representation provided to you by your attorney, visit the state bar's page regarding Florida's lawyer discipline system.

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Resources for Florida Bankruptcy Laws

U.S. Bankruptcy Court for the Northern District of Florida - administrative and procedural information for Northern District of Florida bankruptcy filings

U.S. Bankruptcy Court the Middle District of Florida - administrative and procedural information for Central District of Florida bankruptcy filings

U.S. Bankruptcy Court for the Southern District of Florida - administrative and procedural information for Southern District of Florida bankruptcy filings

Office of the U.S. Trustee for Region 21 - oversees the administration of Florida personal bankruptcy cases and case trustees

Florida Bar Association - information about the Florida bar, membership, ethics, continuing legal education, and resources for the public.

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