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Deeerfield Beach Bankruptcy
Attorney Adam I. Skolnik, P.A.


File Bankruptcy Today and Call For a
Consultation 561-261-1120

When debt becomes overwhelming, having the right legal guidance can make a real difference. Adam I. Skolnik, P.A. is a trusted bankruptcy attorney in Deerfield Beach, Florida, helping individuals and business owners understand their options and take control of their financial future. Bankruptcy is not about failure—it is a legal tool designed to provide relief, protection, and a fresh start when other solutions are no longer realistic.

Our firm handles Chapter 7, Chapter 13, and Chapter 11 bankruptcy cases, offering clear guidance based on your unique financial situation. Chapter 7 bankruptcy is often used by individuals who cannot repay unsecured debts and need a faster path to debt elimination. It may help wipe out qualifying obligations such as credit card debt or medical bills, while Florida exemptions can protect certain assets.

Chapter 13 bankruptcy is typically suited for those with steady income who want to keep their property while catching up on missed payments through a structured repayment plan. This option can be especially helpful for stopping foreclosure or managing secured debt over time.

For business owners or individuals with more complex financial situations, Chapter 11 bankruptcy allows for debt reorganization while continuing operations. It offers flexibility and strategic control when standard consumer filings may not be sufficient.

 

Practice Areas



Chapter 7 Bankruptcy Lawyer Deerfield Beach

Chapter 7 Bankruptcy is designed to help individuals who are overwhelmed by debt and need a clean financial reset. It is commonly used by people who cannot realistically repay unsecured debts and are seeking a faster, more straightforward solution. Through Chapter 7, qualifying debts such as credit cards, medical bills, personal loans, and certain judgments may be eliminated, allowing you to move forward without the constant pressure of collection calls or mounting balances. Our firm begins by reviewing your income, expenses, and overall financial picture to determine whether Chapter 7 is the right option for you and to ensure you meet eligibility requirements.

Once eligibility is confirmed, we guide you through every step of the filing process and explain the key advantages of Chapter 7 bankruptcy, including:

  • Elimination of qualifying unsecured debts, such as credit cards and medical bills

  • Immediate relief from creditor harassment through the automatic stay

  • A faster bankruptcy process, often completed within a few months

  • Protection of certain assets through Florida bankruptcy exemptions

  • A true financial fresh start with no repayment plan required

We prepare and file all required paperwork accurately, explain what to expect at each stage, and ensure deadlines are met. Our firm also prepares you for any required meetings and remains available to answer questions throughout the process. The goal of Chapter 7 bankruptcy is to reduce financial stress, stop aggressive collection efforts, and help you rebuild your financial future with clarity, confidence, and trusted legal guidance.

 
 

Chapter 7 Bankruptcy Filing Services in Deerfield Beach

The Law Office of Adam I. Skolnik provides dedicated Chapter 7 bankruptcy filing services for individuals seeking debt relief and a clean financial reset under Florida bankruptcy law.

Chapter 7 Eligibility Review

Careful evaluation of income, expenses, and financial history to determine whether Chapter 7 bankruptcy is the right option under current qualification guidelines.

Debt Analysis and Strategy

Identification of qualifying unsecured debts such as credit cards, medical bills, and personal loans to create a clear and effective filing strategy.

Automatic Stay Protection

Immediate legal protection that stops creditor calls, wage garnishments, lawsuits, and collection actions once the Chapter 7 case is filed.

Asset and Exemption Review

Review of assets and application of Florida bankruptcy exemptions to protect eligible property throughout the Chapter 7 process.

Complete Filing Preparation

Accurate preparation and filing of all required bankruptcy documents, ensuring compliance with court rules and deadlines.

Case Completion and Discharge

Guidance through the bankruptcy timeline, trustee requirements, and final discharge so clients can move forward free from qualifying debt.



File Chapter 11 Deerfield Beach With The Law Office of Adam I. Skolnik

Chapter 11 Bankruptcy is designed to help businesses and certain individuals reorganize debt while remaining operational and in control of their assets. It is commonly used by business owners, corporations, partnerships, and high-income individuals whose financial circumstances require a more flexible and strategic solution. Rather than wiping out debts, Chapter 11 focuses on restructuring obligations in a way that supports recovery and long-term stability. Through Chapter 11, you can pause creditor actions, renegotiate payment terms, and create a plan that allows you to move forward without shutting down operations. Our firm begins by carefully reviewing your financial structure, debts, assets, and goals to determine whether Chapter 11 is the right option for you.

Once eligibility is confirmed, we guide you through every step of the filing process and explain the key advantages of Chapter 11 bankruptcy, including:

The ability to reorganize debts into a structured, court-approved repayment plan
Immediate protection from creditor lawsuits, foreclosures, and collection efforts through the automatic stay


The opportunity to continue operating your business while restructuring finances
Flexibility to modify or reject burdensome contracts and leases
Greater control over assets and business decisions compared to other bankruptcy options

We prepare and file all required paperwork accurately, explain what to expect at each stage, and ensure all deadlines and court requirements are met. Our firm works closely with you to develop a realistic reorganization plan, prepares you for hearings and negotiations, and remains available to answer questions throughout the process. The goal of Chapter 11 bankruptcy is to stabilize your financial situation, protect what you have built, and help you move forward with clarity, confidence, and experienced legal guidance.


Chapter 11 Bankruptcy Filing Services in Deerfield Beach

The Law Office of Adam I. Skolnik provides comprehensive Chapter 11 bankruptcy filing services for businesses and individuals seeking to reorganize debt while maintaining financial control under Florida law.

Chapter 11 Case Assessment

Detailed review of financial statements, assets, liabilities, and operational structure to determine whether Chapter 11 is the most effective reorganization option.

Reorganization Strategy Development

Creation of a structured approach to reorganize secured and unsecured debt while allowing continued business operations or income stability.

Automatic Stay Enforcement

Immediate protection that halts lawsuits, foreclosures, repossessions, and collection actions upon filing the Chapter 11 case.

Creditor Communication and Negotiation

Direct coordination with creditors to modify repayment terms, address objections, and reduce financial pressure throughout the case.

Plan of Reorganization Preparation

Drafting and filing a court compliant reorganization plan that reflects cash flow, operational needs, and long term financial goals.

Confirmation and Case Management

Ongoing guidance through court approval, compliance requirements, and plan implementation to support long term financial stability.



How Chapter 13 Bankruptcy
Can Protect Your Home

Chapter 13 bankruptcy offers a powerful option for individuals and families in Deerfield Beach who want to regain control of their finances while protecting what matters most. Unlike liquidation-based bankruptcy, Chapter 13 is designed to help you reorganize debt through a structured repayment plan that fits your income and long-term goals. This approach is especially helpful if you are behind on mortgage payments, facing foreclosure, or trying to keep a vehicle that is essential for work or family life.

For many Deerfield Beach residents, Chapter 13 provides immediate relief through the automatic stay, which can stop foreclosure actions, repossessions, wage garnishments, and constant collection calls. From there, a court-approved repayment plan allows you to catch up on missed payments over time while staying current on ongoing obligations. This can bring stability back into your household without the pressure of losing your home or car.

Chapter 13 bankruptcy also offers flexibility. Certain unsecured debts may be reduced or eliminated at the end of the plan, and penalties or interest can often be addressed in a way that makes repayment more manageable. The process is designed to give you breathing room while working toward a healthier financial future.

If you live in Deerfield Beach and feel overwhelmed by debt, Chapter 13 bankruptcy may be the solution that helps you move forward with confidence. With the right legal guidance, you can create a realistic plan, protect your assets, and take meaningful steps toward long-term financial stability and peace of mind.



Asset Protection Services Deerfield Beach

Asset protection services are designed to help individuals and families preserve what they have worked hard to build while reducing exposure to creditors, lawsuits, and unexpected financial risks. These services are commonly used by people who want proactive planning rather than waiting for financial pressure to escalate. Through proper asset protection strategies, certain property, savings, and income sources may be legally shielded, helping you maintain stability even during challenging times. Our firm begins by reviewing your financial situation, assets, liabilities, and long-term goals to determine which asset protection tools are appropriate and compliant with Florida law.

Once your situation is reviewed, we guide you through available asset protection options and explain the key advantages, including:

  • Protecting personal and business assets from creditor claims

  • Reducing risk exposure before financial problems escalate

  • Preserving property and savings for long-term security

  • Creating legal barriers against future judgments or collections

  • Strengthening financial stability alongside bankruptcy or debt planning

Asset protection is not about hiding assets, but about using lawful strategies to organize and protect them properly. Depending on your circumstances, this may include exemptions, restructuring ownership, or coordinating asset protection alongside bankruptcy planning when appropriate. Each strategy is tailored to your needs and implemented with careful attention to legal requirements and timing.

 

 



File Bankruptcy With Expert Legal
Bankruptcy Guidance

Law Office of Adam I. Skolnik, P.A. provides clear, step-by-step bankruptcy guidance so you understand your options before you file. The process begins with a detailed review of your financial situation, including your income, debts, assets, and goals. This allows us to explain which type of bankruptcy may be the best fit for your circumstances and what outcomes you can realistically expect. We walk you through required documents, timelines, and responsibilities so there are no surprises. Our goal at this stage is clarity helping you feel informed, confident, and prepared to move forward with a plan that protects your interests.

Once the proper bankruptcy chapter is selected, we prepare and file your case with accuracy and care. We ensure all paperwork is complete, deadlines are met, and required disclosures are handled correctly to avoid delays or complications. Throughout the process, we guide you on what actions to take, what to avoid, and how to respond to creditor communications. 

If a meeting with the trustee is required, we prepare you in advance so you know exactly what to expect. From filing through resolution, we remain focused on helping you achieve financial relief, reduce stress, and move toward a stronger financial future with clear direction and trusted legal support.

 

Why Choose The Law Office Of Adam I. Skolnik, P.A.

Proven Bankruptcy Focus

Proven Bankruptcy Focus

Bankruptcy law is our primary focus. We understand the strategies, procedures, and protections needed to help clients regain control of their financial future.

Direct Attorney Attention

Direct Attorney Attention

Your case is handled directly by an experienced bankruptcy attorney, not passed off to staff. You receive clear guidance and honest answers at every step.

Over 40 Years of Bankruptcy Experience

Over 40 Years of Experience

With decades of combined legal experience, our firm understands how to navigate complex financial situations and protect your rights under Florida bankruptcy law.

Customized Legal Strategies

Customized Legal Strategies

No two financial situations are the same. We tailor every bankruptcy strategy to your income, assets, debts, and long-term goals.

Clear Communication

Clear Communication

We explain your options in plain language, so you always understand what is happening with your case and what to expect next.

No Judgement Help

No Judgment Help

Financial hardship can happen to anyone. We treat every client with respect, understanding, and discretion while helping you move toward a fresh start.

FAQ

Frequently Asked Questions

Bankruptcy is a legal process that can help individuals or businesses manage debt through relief options such as reorganization or discharge, depending on the case.
It depends on your income, debt type, assets, and goals. A legal review can confirm eligibility and compare alternatives like settlement or repayment plans.
The automatic stay is a court-ordered pause on most collection activity once a bankruptcy case is filed, which may stop calls, lawsuits, and certain enforcement actions.
Not necessarily. Many cases allow you to keep certain property, and some filings focus on repayment or restructuring rather than liquidation.
Timelines vary by chapter and complexity. Some cases are resolved in months, while reorganizations may take longer due to plan approval and ongoing requirements.
In many situations, filing can pause garnishments through the automatic stay, but outcomes depend on the specific court order and type of debt involved.
Not all debts can be eliminated. Some obligations may be reorganized, and certain categories may have limits or special rules.
Bankruptcy can impact credit, but many people begin rebuilding immediately by improving payment history, reducing balances, and using credit responsibly over time.
Yes. Options depend on your business structure, personal guarantees, cash flow, and goals, and some filings are designed specifically for business reorganization.
An attorney can confirm eligibility, protect your rights, avoid costly filing mistakes, and recommend the most effective legal path based on your situation.
Law Office of Adam I. Skolnik, P.A.
Law Office of Adam I. Skolnik, P.A.

Map Location

1761 W Hillsboro Blvd Suite 207, Deerfield Beach, FL 33442

Business Hours

  • Monday:9 AM–12 PM, 1–5 PM
  • Tuesday:9 AM–12 PM, 1–5 PM
  • Wednesday:9 AM–12 PM, 1–5 PM
  • Thursday:9 AM–12 PM, 1–5 PM
  • Friday:9 AM–12 PM, 1–5 PM
  • Saturday:Closed
  • Sunday:Closed