Daytona Beach Chapter 7 Attorney

Those who've successfully filed for Chapter 7 bankruptcy know that January 1 st isn't the only time a fresh start is possible. When you're in debt, choosing to file for Chapter 7 bankruptcy can deliver unparalleled benefits for your finances and your future.

How does Chapter 7 help me?

  • The elimination of most debt
  • The ability to keep future income
  • No repayment plan
  • Putting an immediate stop and end to creditor harassment

While not everyone is privy to these benefits, The Law Office of Jeffrey A. Klein can assess your circumstances and guide you toward the most effective solution. If Chapter 7 bankruptcy is right for you, are lawyers are eager to make the filing process as seamless as possible. We have over 30 years of combined experience as Daytona Beach Chapter 7 bankruptcy attorneys and regularly achieve victories for our clients!

Steps in the Chapter 7 Process in Florida

Before filing, you must pass the Chapter 7 means test. If your income is less than the average income for a family in your state, you pass. If not, you must determine whether you have enough disposable income to repay certain debts.

You are then required to fill out the necessary forms and describe your property, your income and monthly expenses, and your debts. Immediately after filing, an automatic stay becomes effective. This automatic stay prevents creditors from harassing you for repayment.

The final step is attending a creditors meeting. The meeting is run by the bankruptcy trustee and serves as a way to review the papers you submitted and discuss any discrepancies. Under Chapter 7, you typically get to keep the majority of your property. Most debt––including credit-card charges, medical bills, and personal loans––is discharged by filing.

Florida Exemptions from Creditors

Florida has a list of things that are exempt from being collected on by creditors. Some of those things include:

  • Your home, except for creditors that hold a mortgage or lien
  • Up to $1,000 in person property

Since there are several exemptions, it’s important to talk about potential exemptions with an attorney!

Put your future in our confident hands!

For many years, people in debt essentially viewed bankruptcy as a taboo subject and something that should only be used as a last resort. We happily tell clients that this is far from the truth! At your consultation, we hope to dispel many myths about bankruptcy and discuss why it might be the very best thing for your finances. There is no better time to get started than today. Contact The Law Office of Jeffrey A. Klein to speak with a seasoned Daytona Beach Chapter 7 bankruptcy lawyer today.


Former clients share their experience
  • “Mr. Klein and staff were so friendly and helpful, I would recommend them to anyone in need of compassionate legal representation.”

    - Elijah D.
  • “The Law Office of Jeffery A. Klein. To say we are grateful is an understatement, to say that we now breathe easier, says it's all thanks to Mr. Klein and staff.”

    - Elaine C.
  • “Everyone treated us like they had known us for years. Anytime we called the staff was always on top of our case.”

    - Janelle C.
  • “My ex-wife was coming with all the wrong Energy about the whole process. Jeff shut it down in mediation! YOU'RE IN GOOD HANDS.”

    - Semper G.
  • “Took time out of his day to help us and give us guidance to our next steps with our child.”

    - Kristen M.

What Sets Us Apart?

  • Accessible

    We are always readily available to answer your questions.

  • Communication

    We communicate directly with our clients, always promptly returning calls.

  • Personalized Service

    We are a husband and wife team that genuinely cares about our clients.