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Focused on Clients. Focused on Results. Filing for Bankruptcy? We Can Help.

Honest and Skilled Sunrise Bankruptcy Lawyers

Providing Valuable Debt Relief Services

At Focused Legal Solutions, we know that finding yourself in a financial bind can be overwhelming. Whether you are trying to save your business or protect your family, bankruptcy may be the solution you need. At Focused Legal Solutions, we help debtors reorganize their financial obligations under Chapter 7 of the U.S. Bankruptcy Code.

With bankruptcy, you can reorganize your debt, protect your assets, and even save your property from foreclosure. There are many advantages to filing for Chapter 7 bankruptcy to consider. Hiring a bankruptcy attorney is key to determining if it is right for you.

We recommend contacting our law firm for a free, confidential consultation. We can review your unique financial situation and provide legal advice to help you make the right choice about bankruptcy.

Learn more about Chapter 7 bankruptcy and how it may help you. Give our Sunrise bankruptcy attorney a call today at (954) 800-2664.

Seek Relief Through Chapter 7 Bankruptcy

When you owe creditors money, they can implement various methods to try to recover the money they are owed. They may call constantly and may even garnish your wages or repossess your property.

Chapter 7 bankruptcy, also known as liquidation bankruptcy, will place an automatic stay on all collection efforts, including foreclosure. Qualifying individuals, married couples, and businesses can all file for Chapter 7 and utilize its protections. If pass the Means Test, proving your income is too low to repay your debts, you can qualify for Chapter 7.

A Chapter 7 bankruptcy typically takes four to six months to complete. At the end of this period, your eligible debts are discharged by the bankruptcy courts.

Filing for chapter 7 bankruptcy can stop:

  • Foreclosure
  • Repossession
  • Creditor harassment
  • Wage garnishment
  • All creditor contact and collection efforts

Some debtors may hesitate with filing for bankruptcy due to concerns over credit. While a Chapter 7 bankruptcy does stay on a credit report for 10 years, filing will give you the chance to rebuild your credit without struggling with mounting debt.

Chapter 7 can provide a fresh start for debtors, whether you're facing credit card debt or other past due bills. You can work on rebuilding your finances and credit without harassment from creditors.

Understanding Bankruptcy Exemptions in Florida

Many people are concerned about losing assets in a Chapter 7 bankruptcy filing. However, when you file, certain assets are exempt from liquidation under Florida's bankruptcy law.

In the state of Florida, you are required to use the state's bankruptcy exemptions, not federal exemptions. However, Florida does offer a number of asset exemptions in bankruptcy.

Florida provides the following bankruptcy exemptions:

  • Homestead - Unlimited amount of equity for real property less than 160 acres, or half an acre in a municipality
  • Personal Property - Up to $1000, or $4000 if you do not use a Homestead exemption
  • Other Essential Property - Includes education savings, hurricane savings, prescribed health aids, tax credits, and funeral costs
  • Motor Vehicle - Up to $1000 in equity, or more if you're married and filing jointly
  • Wages - Specific exemptions for the head of household vs other members of the family
  • Pensions - Includes ERISA qualified retirement plans, public employee retirement benefits, firefighter and police pensions, and teachers' retirement benefits
  • Public Benefits - Veteran's, social security, reemployment assistance, worker's compensation, unemployment compensation, and crime victims' compensation
  • Alimony and Child Support - Up to the extent necessary to support the person filing for bankruptcy and any of their dependents
  • Insurance - Proceeds of a life insurance policy, disability income, and benefits from a fraternal society

Other exemptions exist in the state of Florida for specific cases, such as personal injury lawsuits. Our lawyers can look over the unique details of your debts, life, and financial situation to help you protect your assets.

Help With Your Bankruptcy Case

Whatever your financial situation may be, Focused Legal Solutions is here to help you take action. We strive to bring you peace of mind in these challenging times, through honest and skilled bankruptcy counsel. Our Sunrise attorney is here to protect your rights. We can guide you through the Chapter 7 bankruptcy process, should you choose to file.

For a free initial evaluation, contact our officein Sunrise, Fl now at (954) 800-2664.

Client Testimonials

  • It was clear early on in my working with him that ultimately everything would work out well for me and my situation and it did.

    “Mr. Bilu is a very knowledgeable and experienced attorney with an outstanding reputation. He was actually able to get more then I had anticipated.”

    Clae C.

  • His attentiveness, knowledge and professionalism have kept me in my home for over 2 years and there is no end in sight.

    “In fact it is possible I may end up owning the house free and clear of a mortgage. I recommend him highly and have already done so. I would hire him again in a heartbeat.”


  • Extremely knowledgeable and professional

    “Geil Bilu was outstanding in representing my case. Answered every question, walked me through the entire process. Would highly recommend his services to everyone.”


  • Very helpful and excellent service!

    “Geil helped me with a real estate matter and was able to resolve the issue in a favorable way to me. I will recommend Geil to my closest friends and family.”

    Sue S.

  • Geil is wonderful and I highly recommend using his company when buying and selling your home

    “Great team of professionals. I highly recommend using them for all your real estate needs.”


Contact Focused Legal Solutions

Schedule a Free Consultation Today
  1. We meet you where you are, and we speak your language.
  2. Our attorney has over 15 years of professional legal experience.
  3. We offer free and confidential consultations to every client served.
  4. With honest legal guidance, we steer our clients in the right direction.
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