Chapter 7 bankruptcy in fort myers, florida
Chapter 7 Bankruptcy in Florida: A Fresh Start with a Premier 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-Bar Attorneys.
Bankruptcy is a highly specialized area of law—and experience matters.
At Lynn Law Group, you work directly with two bankruptcy attorneys. We are a husband-and-wife team, both licensed members of the Bar of the United States Supreme Court. Together, we bring:
- Over 37 years of combined bankruptcy experience
- Thousands of consumer bankruptcy cases handled across Florida by our firm
- Leadership roles in the bankruptcy community
- Adrian Lynn – Former President of the Southwest Florida Bankruptcy Professionals Association
- Veronica Batt – Vice President, Southwest Florida Bankruptcy Professionals Association
- Regular attendance at advanced nationwide bankruptcy and consumer law conferences, including the most elite and current professional trainings
- Deep, current knowledge of Chapter 7 law, updates, and best practices
- Flexible scheduling with evening and weekend appointments
- Direct attorney access—you always speak with us, not with staff
- Remote statewide representation for clients anywhere in Florida
This combination positions our firm as one of the most up-to-date, engaged, and client-focused bankruptcy practices in Southwest Florida and all of Florida. Bankruptcy is not just another practice area at our firm, it is what we live and breathe everyday. Our primary goal is to give our clients a fresh start and peace of mind.
How Chapter 7 Bankruptcy helps you in Florida
How Chapter 7 Helps You in Florida
Chapter 7 is designed to quickly eliminate most unsecured debts, including:
- Credit card debt
- Medical bills
- Personal loans
- Old repossessions
- Old apartment balances
- Collections
- Signature loans
- Business guarantees (in many cases)
- Payday loans
- Certain judgments
Once filed, Chapter 7 provides immediate and powerful protection.
The Automatic Stay: Your Immediate Shield From Creditors
The moment your Chapter 7 case is filed, a federal court order called the automatic stay stops nearly all collection activity, including:
- Lawsuits
- Wage garnishment
- Bank account freezes
- Collection calls
- Harassment
- Repossession attempts
- Certain utility shutoffs
This protection applies 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 cases take 90–120 days from filing to discharge.
2. It Eliminates Debt Permanently
A discharge is a federal court order that wipes out qualifying debts forever.
3. You Usually Keep Everything
Florida has some of the strongest protections in the country for:
- Your home (homestead)
- Clothing
- Furniture
- Basic household items
- Retirement accounts
- Wages
- Vehicles (with exemptions and planning)
During your consultation, we take the time to carefully analyze every asset so you know exactly what to expect and what you can keep (most of our clients have been able to keep all of their assets).
4. You Can Rebuild Credit Quickly
Many clients see improvement far sooner than expected—especially those who were already facing lawsuits, late payments, or collections. Chapter 7 stops the downward spiral and gives you a true, lawful fresh start. In contrast to "debt settlement" programs, which require you to stop making payments, you take 1 hit to your credit with Chapter 7 and then you can start to rebuild, compared to the months or years of repeated credit hits with other modalities. Without any guarantee that the debt will even be settled! Chapter 7 is safe, legal and dignified and is codified by Federal Law.
Do I Qualify for Chapter 7 Bankruptcy in Florida?
Eligibility 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, the table updated as of November 1, 2025 is here to the right.
You may qualify if:
- Your income is below the median, or
- Your expenses justify your budget even if your income is above median, or
- Special circumstances apply (loss of income, medical issues, marital separation, recent job change, qualifying non filing spouse expenses, etc.)
Because eligibility can be complex, our consultation includes a detailed, attorney-conducted Means Test review—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 exemptions, especially the homestead exemption, are among the strongest in the country.
We evaluate:
- Your vehicles
- Home and homestead status
- Retirement accounts
- Equity in personal property
- Cash on hand
- Bank account balances
- Business interests
We walk through each item with you so you understand exactly what is exempt and what may require planning before filing.
Creditor Misconduct: We Enforce Your Fresh Start
Bankruptcy is more than paperwork. It is a federal protection.
As part of every case, we monitor—and aggressively pursue—creditors who violate:
- The automatic stay (creditor harassment after filing)
- The discharge injunction (post-discharge collection)
Because of our practice in FCCPA, FDCPA, and FCRA matters, we can file:
- Motions for sanctions
- Adversary proceedings
- Federal consumer protection lawsuits
If a creditor does not respect your bankruptcy protections, we will take action to enforce your rights and protect your fresh start.
This sets us apart from many bankruptcy firms and provides an extra layer of security for every client we represent.
Our Process: Clear, Streamlined, and Client-Friendly
1. Free, confidential consultation (phone, Zoom, or in-person in Fort Myers)
You speak directly with one of us—never a staff member.
2. Customized analysis of your debts, assets, income, and goals
We explain Chapter 7 vs. Chapter 13, your exemptions, and your options. We will also ask about your goals, because many times these long term and short term goals factor into the analysis. We take a holistic approach to our clients and cases.
3. Document preparation with guidance every step of the way
We walk you through everything you need to provide.
4. Filing and protection
Your automatic stay goes into effect immediately, stopping collections.
5. 341 Meeting
We prepare you thoroughly so you feel confident.
6. Discharge + Fresh Start
Once your discharge is entered, we discuss rebuilding credit and protecting your financial future, if you so choose.
Check out our frequently asked questions.
While we do not publish pricing, our firm is built on:
- Flat-fee pricing
- Flexible payment options
- Payment plans before filing
- Clear, upfront expectations
- No surprises
- Very competitive pricing
We are consumers ourselves, and we believe bankruptcy fees should be predictable, reasonable, and transparent.
Serving All of Southwest Florida—And All of Florida Remotely
Our physical office is located in Fort Myers, Florida and we regularly represent clients throughout:
- Lee County: Fort Myers, Cape Coral, Lehigh Acres, Estero, Bonita Springs
- Collier County: Naples, Marco Island, Golden Gate
- Charlotte County: Port Charlotte, Punta Gorda
- Hendry County: LaBelle, Clewiston
Bankruptcy court for the above cities is located in Fort Myers, Florida.
We also represent clients statewide via remote appointments, including (but not limited to!):
- Miami
- Orlando
- Tampa
- Jacksonville
- Fort Lauderdale
- Tallahassee
- Pensacola
- West Palm Beach
Bankruptcy is federal law—you do not need to live near our office to have strong, experienced representation.
Bilingual Representation (English + Spanish)
We serve clients in both languages and can conduct:
- Consultations
- Meetings
- Communications
- Document explanations
in English or Spanish.
Hablamos en español. Podemos hacer las citas por telefono o en la oficina y atenderles en su idioma.
We offer:
- Free consultations
- Evening and weekend availability
- Remote appointments statewide
- Flexible payment options
- A judgment-free, stress-free experience
Call or text Lynn Law Group today to see whether Chapter 7 can give you the fresh start you deserve. We would love to be a part of your fresh start!
