Chapter 7 bankruptcy ATTORNEYS in fort myers, florida
Chapter 7 Bankruptcy in Florida: A Fresh Start with a Premier Affordable Fort Myers, Florida Bankruptcy Law Firm
Why Choose Lynn Law Group for Your Chapter 7 Case
One family-run team. Always accessible. Always up to date. Two Supreme Court-barred bankruptcy attorneys.
Bankruptcy is a highly specialized area of law — and experience truly matters.
At Lynn Law Group, you work directly with two bankruptcy attorneys, not associates, case managers, or call centers. We are a husband-and-wife legal team, both licensed members of the Bar of the United States Supreme Court, with a practice dedicated to consumer bankruptcy.
Together, we bring:
- Over 37 years of combined bankruptcy experience
- Thousands of consumer bankruptcy cases handled across Florida
- Active leadership roles in the bankruptcy community
- Adrian Lynn – Former President, Southwest Florida Bankruptcy Professionals Association
- Veronica Batt – Current Vice President, Southwest Florida Bankruptcy Professionals Association
- Ongoing advanced training, including regular attendance at elite national bankruptcy and consumer law conferences
- Deep, current knowledge of Chapter 7 law, including recent updates, exemptions, and best practices
- Flexible scheduling, including evening and weekend appointments
- Direct attorney access — you always communicate with us, not staff
- Remote personalized statewide representation for clients anywhere in Florida, offering the same level of care and attention to our remote clients.
This combination allows us to provide highly informed, personalized representation grounded in the most current bankruptcy law. Bankruptcy is not just one of many practice areas at our firm — it is what we focus on every day. We are not "dabblers" who have filed a bankruptcy case. This is federal law, it is the real deal. Deadlines, rules, even local rules vary from district to district.
Our goal is simple: to give our clients a true fresh start and lasting peace of mind.
When your financial future is on the line, experience, focus, and direct attorney involvement make all the difference.
How Chapter 7 Bankruptcy Can Help Eliminate Debt in Florida
How Chapter 7 Works in Florida
Chapter 7 bankruptcy is designed to quickly eliminate most unsecured debts— meaning debts that are not tied to property or collateral — and give eligible individuals and families a true financial reset.
These debts often include:
- Credit card balances
- Medical bills
- Personal loans
- Old repossessions
- Past-due apartment balances
- Collection accounts
- Signature loans
- Business guarantees (in many cases)
- Payday loans
- Certain judgments
- and more!
Once your Chapter 7 case is filed, federal law provides immediate and powerful protection!
The Automatic Stay: Your Immediate Protection From Creditors
The moment a Chapter 7 case is filed, a federal court order called the automatic stay, goes into effect. This immediately stops most collection activity, including:
- Lawsuits
- Wage garnishments
- Bank account freezes
- Collection calls and harassment
- Repossession attempts
- Certain utility shutoffs
These protections apply whether you live in Fort Myers, Naples, Cape Coral, Port Charlotte, Bonita Springs, Estero, Labelle, or anywhere else in Florida.
What Makes Chapter 7 Different
1. It’s Fast!
Most Chapter 7 cases take approximately 90-120 days from filing to discharge.
2. It Eliminates Debt Permanently
A bankruptcy discharge is a federal court order that permanently eliminates qualifying debts.
3. You Can Often Keep Your Property
Florida provides some of the strongest bankruptcy protections in the country, including exemptions for:
- Your home (homestead)
- Clothing and personal items
- Furniture and basic household goods
- Retirement accounts
- Wages
- Vehicles (subject to exemptions and planning)
During your consultation, we carefully review every asset, so you understand exactly what to expect and what can be protected. In practice, most of our Chapter 7 clients are able to keep all of their assets.
4. You Can Rebuild Credit Sooner Than You Think
Many clients begin seeing credit improvement sooner than expected — especially those who were already facing lawsuits, late payments, or collections. Chapter 7 stops the downward financial spiral and provides a lawful, structured path forward. We have had clients whose credit has gone up after filing, because their score was already low because of collections and lawsuits.
Chapter 7 also differs significantly from so-called debt settlement programs. With Chapter 7, there is typically one controlled credit impact, followed by the opportunity to rebuild. Debt settlement programs often require you to stop paying creditors, which can lead to months and years of repeated credit damage, lawsuits, and fees — all without any guarantee the debt will ever be resolved.
Chapter 7 bankruptcy is safe, dignified, and expressly allowed under federal law and is court supervised.
When used strategically, Chapter 7 bankruptcy can provide clarity, protection, and a REAL fresh start.
Do I Qualify for Chapter 7 Bankruptcy in Florida?
Eligibility for Chapter 7 bankruptcy is determined primarily by the Means Test, which compares your household income to Florida’s median income for your family size. The Means Test is updated periodically, and the current income table (effective November 1, 2025) is shown to the right.
You may qualify for Chapter 7 if:
- Your household income is below the Florida median, or
- Your allowable expenses justify your budget even if your income is above the median, or
- Special circumstances apply, such as:
- Loss or reduction of income
- Medical issues or ongoing medical expenses
- Marital separation
- Recent job changes
- Qualifying non-filing spouse expenses
Because Chapter 7 eligibility can be complex, every consultation includes a detailed, attorney-conducted Means Test analysis— not a generic online calculator.
Will You Lose Property in Chapter 7?
Most of our clients keep all of their property in a Florida Chapter 7 case. Florida’s bankruptcy exemptions, especially the homestead exemption, are among the strongest in the country.
As part of our review, we carefully evaluate:
- Vehicles
- Home ownership and homestead status
- Retirement accounts
- Equity in personal property
- Cash on hand
- Bank account balances
- Business interests
We walk through each asset with you so you understand exactly what is protected and whether any planning is recommended before we file your case.
Creditor Misconduct: We Enforce Your Fresh Start
Bankruptcy is more than paperwork — it is a federal protection!
As part of every Chapter 7 case, we monitor creditor behavior and take action when violations occur, including:
- Automatic stay violations (harassment or collection after filing)
- Discharge injunction violations (attempts to collect after discharge)
Because our practice also includes FCCPA, FDCPA, and FCRA, we are able to pursue:
- Motions for sanctions
- Adversary proceedings
- Federal consumer protection lawsuits
If a creditor fails to respect your bankruptcy protections, we will enforce your rights and protect your fresh start.
This added layer of advocacy sets our firm apart and provides meaningful protection beyond just the filing itself.
Our Chapter 7 Bankruptcy Process: Clear, Streamlined, and Client-Friendly
Our Chapter 7 Bankruptcy Process: Clear, Streamlined, and Client-Friendly
1.
Free, confidential consultation
We begin with a private consultation by phone, Zoom, or in person at our Fort Myers office. You speak directly with one of us — never a staff member.
2. Customized analysis of your financial picture
We review your debts, assets, income, and overall goals. We explain the differences between Chapter 7 and Chapter 13, how Florida exemptions apply to you, and what options make the most sense for your situation. We take a holistic approach, because both short-term and long-term goals matter.
3. Document preparation with guidance at every step
We clearly explain what information is needed and walk you through the process so nothing feels overwhelming or confusing.
4. Filing and immediate protection
Once your case is filed, the automatic stay goes into effect immediately, stopping collection activity and providing relief.
5. The 341 Meeting
We prepare you well before your 341 meeting so you know exactly what to expect and can feel confident going in. These meetings are currently held by Zoom, and you can join from home or come to our office if you prefer. By the time your meeting happens, you will have already answered the same types of questions with us — we don’t believe in surprises. Being honest and upfront allows us to protect you and guide you smoothly through the process.
6. Discharge and your fresh start
After your discharge is entered, we discuss next steps — including rebuilding credit and protecting your financial future, if you choose.
Transparent Reasonable Fees and Clear Expectations
We encourage clients to review our Frequently Asked Questions, and while we do not publish pricing online (case complexity varies), our firm is built on transparency and predictability.
Our approach includes:
- Flat-fee pricing
- Flexible payment options
- Payment plans available before filing
- Clear, upfront expectations
- No surprises
**We are consumers ourselves, and we believe bankruptcy fees should be reasonable, predictable, and transparent. Our pricing is competitive, and our focus is always on providing real value and peace of mind.
Serving Southwest Florida — and All of Florida Remotely for Bankruptcy Cases
Serving Southwest Florida — and All of Florida Remotely for Bankruptcy Cases
Our physical office is located in Fort Myers, Florida, and we regularly represent clients throughout Southwest Florida, including:
Lee County: Fort Myers, Cape Coral, Lehigh Acres, Estero, Bonita Springs
Collier County: Naples, Marco Island, Golden Gate, Immokalee
Charlotte County: Port Charlotte, Punta Gorda
Hendry County: LaBelle, Clewiston
Bankruptcy cases for these areas are handled through the Fort Myers division of the bankruptcy court.
We also represent clients statewide through remote appointments, including (but not limited to):
Miami • Orlando • Tampa • Jacksonville • Fort Lauderdale • Tallahassee • Pensacola • West Palm Beach
Bankruptcy is governed by federal law, which means you do not need to live near our office to receive experienced, effective representation.
Bilingual Representation (English & Spanish)
We proudly serve clients in both English and Spanish and can conduct:
- Consultations
- Meetings
- Ongoing communications
- Document explanations
Hablamos español. Podemos atenderle por teléfono, por Zoom o en nuestra oficina, y explicarle todo el proceso claramente en su idioma.
What You Can Expect When Working With Us
We offer:
- Free, confidential consultations
- Evening and weekend availability
- Remote appointments anywhere in Florida
- Flexible payment options
- A judgment-free, supportive experience
Take the First Step
Call or text Lynn Law Group today to find out whether Chapter 7 bankruptcy can give you the fresh start you deserve.
We would be honored to be part of your fresh start.
