When considering bankruptcy in Florida, it is important to seek the services of an experienced consumer bankruptcy attorney. That person will be interested in getting a discharge of the consumer's unsecured debts quickly and permanently when possible in a bankruptcy filing. Although the legal fee for a Chapter 7 must be paid prior to filing, it is often the best solution for consumers swimming in overwhelming unsecured debt.
Recent studies show that there is a practice that is gaining prevalence where the system seems to encourage filing a Chapter 13, which is a payment plan. This type of bankruptcy is not mandatory, however, and it only works when there is a home to be saved through monthly payments. It may work where there is an unusually high tax bill or other kind of secured or priority debt.