Bankruptcy Services
Because a fresh start is the only kind of start...
At Lynn Law Group, we know that financial struggles can feel overwhelming — but bankruptcy can provide the relief you need to move forward. Medical bills, job uncertainty, and the rising cost of living from inflation often leave families in Southwest Florida with impossible choices: risk losing their home, work multiple jobs, or continue drowning in debt. Bankruptcy exists to give honest people a legal path to rebuild.
Filing for bankruptcy doesn’t mean failure. It means you’re taking control of your future and protecting your family. Whether it’s Chapter 7, Chapter 13, or Subchapter V for small businesses, bankruptcy laws are designed to stop creditor harassment, halt foreclosures, and wipe out or restructure debt.
Our Fort Myers bankruptcy attorneys guide you every step of the way — with flat fees, direct attorney communication, and bilingual services for our Spanish-speaking clients. We help clients across Fort Myers, Naples, Cape Coral, Lehigh Acres, and throughout Florida take advantage of the exemptions and strategies that fit their unique situation.
Bankruptcy isn’t the end. It’s your opportunity for a fresh financial start
Bankruptcy isn’t a failure — it’s a financial reset.
Corporations like United Airlines and K-Mart have used bankruptcy to reorganize, and everyday families have the same legal right. Choosing bankruptcy is often far better than watching your family struggle, lose a home, or face nonstop creditor calls.
At Lynn Law Group, we remind clients that bankruptcy is written into the U.S. Constitution for a reason — it exists to protect people. Even throughout history, including in biblical times, laws were created to stop creditors from exploiting those in debt.
If medical bills, job loss, or inflation have pushed you beyond your limits, know this: bankruptcy isn’t the end. It’s your chance at a new beginning, and we’re here to guide you through it with respect, compassion, and proven experience.
Chapter 7 Bankruptcy
Chapter 7 bankruptcy — often called “liquidation bankruptcy” — is the most common option for individuals and families in Southwest Florida. It’s designed to quickly wipe out overwhelming debt and give you a true financial reset. A straightforward Chapter 7 case takes 90-120 days from filing to discharge.
With Chapter 7, you can in many cases:
- Eliminate credit card balances, medical bills, and personal loans.
- Keep your home, car, and personal property.
- Stop lawsuits, garnishments, and creditor harassment the moment your case is filed.
- Start rebuilding your credit — many clients see improvement within 12–24 months after discharge.
At Lynn Law Group, our Fort Myers bankruptcy attorneys walk you through every step — from determining eligibility to using exemptions strategically so you protect what matters most. We provide flat fees, direct attorney contact, and bilingual Spanish services to make the process simple and stress-free.
Chapter 13 Bankruptcy
Chapter 13 Bankruptcy in Florida
Chapter 13 bankruptcy lets you reorganize your debt into a court-approved repayment plan while keeping your home, car, and other assets. It’s especially powerful for families in Southwest Florida who want to catch up on past-due bills without losing everything they’ve worked for.
With Chapter 13, you can:
- Stop foreclosure immediately and save your home.
- Catch up on missed mortgage payments over 3–5 years
- Pursue a mortgage modification within the bankruptcy.
- Reduce your car loan balance (“cram down”) to the current market value of the vehicle, often lowering interest rates too.
- Still discharge credit cards, medical bills, and personal loans upon the completion of the 3-5 year plan.
- Pay back only a fraction of unsecured debt — sometimes as little as pennies on the dollar.
- Protect co-signers on consumer debts from collection while your plan is active, through the co-debtor stay on certain debt.
- Stop lawsuits, garnishments, and repossessions the moment your case is filed.
At Lynn Law Group, our Fort Myers bankruptcy attorneys tailor each Chapter 13 plan to fit your income, assets, and long-term goals. We’ll guide you step by step — whether it’s maximizing exemptions, seeking mortgage relief, or using tools like the car cram down to ease your financial burden. With flat fees, direct attorney contact, and bilingual Spanish services, we make the process as simple and stress-free as possible.
Subchapter V for Small Businesses
Subchapter V is a special form of Chapter 11 bankruptcy designed for small businesses and entrepreneurs. It allows business owners to reorganize debt quickly and affordably, without the heavy costs and complications of traditional Chapter 11.
With Subchapter V, you can:
- Keep your business open while restructuring debt.
- Negotiate with creditors under court protection.
- Confirm a repayment plan faster, with fewer obstacles.
At Lynn Law Group, we help Southwest Florida business owners use Subchapter V to protect their companies, jobs, and futures- while giving them room to rebuild.
Debt Negotiation
When bankruptcy is not an option, debt can be negotiated.
