Chapter 7 Bankruptcy Lawyer The Law Office Of Adam I. Skolnik
Experienced Chapter 7 Bankruptcy Lawyer Fort Lauderdale
Practice Areas
Eliminate Credit Card and Medical
Debt Through Chapter 7 Bankruptcy
The Law Office of Adam I. Skolnik, P.A. in Fort Lauderdale provides focused legal representation for individuals and families considering Chapter 7 bankruptcy as a solution to overwhelming debt. Chapter 7 is designed to eliminate unsecured debts such as credit cards, medical bills, personal loans, and certain judgments, allowing clients to achieve a true financial fresh start. Each case is carefully reviewed, including income, assets, exemptions, and overall financial circumstances, to determine eligibility and ensure maximum protection under Florida and federal bankruptcy laws.
Chapter 7 bankruptcy offers powerful and immediate relief for those facing intense creditor pressure. Upon filing, an automatic stay goes into effect, stopping creditor calls, lawsuits, wage garnishments, bank levies, and collection actions. In most cases, qualifying debts are discharged within a matter of months, without the need for repayment plans. Florida’s generous exemption laws often allow clients to protect essential assets such as their home, vehicle, retirement accounts, and personal property while clearing burdensome debt.
Adam I. Skolnik, P.A. guides clients through every step of the Chapter 7 process, from initial evaluation to discharge. The firm ensures all required documentation is properly prepared, deadlines are met, and clients understand their rights and responsibilities throughout the case. With experienced legal guidance, clients gain clarity, confidence, and peace of mind. The firm is committed to helping Chapter 7 clients eliminate debt, regain financial stability, and move forward with a clean slate and a stronger financial future.
Adam I. Skolnik Chapter 7 Bankruptcy Services Fort Lauderdale
Let's See if Filing Chapter 7, 11 or 13 is Right For You?
Elimination of Unsecured Debt
Chapter 7 bankruptcy allows qualifying individuals to eliminate unsecured debts such as credit cards, medical bills, personal loans, and certain judgments. This process provides a clean financial slate without requiring repayment plans, offering fast and effective debt relief.
Immediate Automatic Stay
Filing Chapter 7 triggers an automatic stay that immediately stops creditor harassment, lawsuits, wage garnishments, bank levies, and collection calls. This powerful protection gives individuals instant relief and peace of mind while the case is pending.
Fast Resolution Timeline
Chapter 7 is one of the fastest forms of bankruptcy. Most cases are completed within three to four months, allowing individuals to receive a discharge of eligible debts quickly and begin rebuilding their financial future.
Asset Protection Under Florida Law
Florida bankruptcy exemptions often allow individuals to protect essential assets such as their primary residence, vehicle, retirement accounts, and personal property. Proper planning ensures maximum protection while eliminating qualifying debt.
No Repayment Plan Required
Unlike Chapter 13, Chapter 7 does not require a multi-year repayment plan. Eligible debts are discharged without ongoing monthly payments, making it an ideal solution for individuals with limited disposable income.
Clear Path to a Fresh Start
Chapter 7 bankruptcy provides individuals with a structured and lawful way to reset financially. Once the discharge is granted, clients can move forward free from overwhelming debt and focus on rebuilding credit and long-term financial stability.
Stop Creditor Harassment and Collection Actions
Elimination of Unsecured Debt is one of the most effective options for individuals facing overwhelming financial pressure. When credit cards, medical bills, personal loans, and collection accounts become unmanageable, bankruptcy can provide a lawful and practical way to regain control. In Fort Lauderdale, individuals often turn to The Law Office of Adam I. Skolnik, P.A. for experienced legal guidance to stop creditor harassment, reduce stress, and eliminate debt that is holding them back financially.
The process begins with a careful review of the individual’s financial situation, including income, expenses, assets, and outstanding obligations. Elimination of unsecured debt through Chapter 7 bankruptcy focuses on removing financial burdens that prevent stability and progress. Once a case is filed, an automatic stay immediately stops collection calls, lawsuits, wage garnishments, and bank levies. This protection gives individuals the time and breathing room needed to stabilize their finances and plan next steps.
Chapter 7 Bankruptcy Services provided by The Law Office of Adam I. Skolnik, P.A. allow qualifying individuals to discharge unsecured debts such as credit cards, medical expenses, unsecured personal loans, and certain judgments without entering a repayment plan. In Fort Lauderdale, Chapter 7 is often chosen by those seeking fast relief and a true financial reset, with many cases completed in just a few months.
When Chapter 7 is not available due to income or other factors, the firm advises clients on alternative bankruptcy options that may still provide meaningful relief by reducing or restructuring unsecured debt. Regardless of the approach, the goal remains the same. To relieve financial pressure, protect essential assets under Florida exemption laws, and create a clear path forward without overwhelming debt.
Choosing bankruptcy to eliminate unsecured debt is not a failure. It is a strategic legal solution designed to restore financial balance. For individuals in Fort Lauderdale, The Law Office of Adam I. Skolnik, P.A. offers focused representation aimed at providing immediate relief from creditor pressure while helping clients rebuild credit and move toward long term financial stability with confidence.
4 Steps To Filing Chapter 7 Bankruptcy with The Law Office of Adam I. Skolnik, P.A.
Step One
Financial Review & Eligibility
A complete review of your income, expenses, assets, and debts is conducted to confirm Chapter 7 eligibility. This includes a means test analysis to determine if you qualify based on your income and household size.
Step Two
Document Preparation
All required bankruptcy forms are prepared, including schedules of assets, liabilities, income, and expenses. Supporting documents such as tax returns, pay stubs, and bank statements are collected and organized for filing.
Step Three
Filing the Petition
The Chapter 7 petition and supporting schedules are filed with the bankruptcy court. Once filed, the automatic stay goes into effect, stopping most creditor collection actions and lawsuits.
Step Four
Meeting & Discharge Process
You attend the required meeting of creditors (341 meeting) with the trustee. After the trustee reviews your case and confirms eligibility, the court may grant a discharge, eliminating qualifying debts and providing a fresh start.