Melbourne Chapter 7 Bankruptcy Lawyer
Your Path to Financial Freedom in Brevard County & Central Florida
If you struggle with overwhelming debt and need a fresh start, Chapter 7 may be a practical and effective solution. At Mann Law, we help individuals across Central Florida navigate bankruptcy with empathy, professionalism, and integrity.
Attorney David Mann understands how difficult financial stress can be. Our firm provides hands-on, personalized guidance through each step of the bankruptcy process, offering honest advice and practical solutions for those in financial crisis.
Call (321) 461-5482 or contact us online to request a free consultation with a Melbourne Chapter 7 bankruptcy attorney. We offer in-person, phone, and virtual appointments.
Understanding Chapter 7 Bankruptcy for Consumers
Chapter 7 bankruptcy, or “liquidation bankruptcy,” is a federal legal process that allows individuals to eliminate most unsecured debts. It also provides a mechanism for partnerships and corporations to wind down and liquidate assets under court supervision.
For individuals, the process includes debts like credit card balances, medical bills, and personal loans. In exchange, a court-appointed trustee may liquidate certain non-exempt assets to repay creditors.
For many people, Chapter 7 offers a much-needed financial reset. The process is typically quicker than other forms of bankruptcy; there is no requirement to repay your debts through a long-term plan.
The Right Lawyer Can Make All the Difference
At Mann Law, You're Always the Priority
At Mann Law, we're more than just a law firm—we’re your advocate, your guide, and your trusted partner through some of life’s toughest moments. With insider experience, local roots, and a personal approach, we’re here to fight smart and treat you right.
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We Know the Opposition
Before founding Mann Law, David Mann defended insurance companies—so he doesn’t have to guess what they’re thinking. He uses that insight to build stronger, smarter cases for you.
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Recognized for Excellence
Named a New York Times Power Lawyer and honored in 40 Under 40, David Mann brings award-winning advocacy and leadership to every case he takes.
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Client-First Approach
You'll work directly with your attorney—not handed off to a staffer. David is committed to giving every client the attention, communication, and respect they deserve.
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Local Roots, Real Results
As a lifelong resident of Brevard County, David understands the needs of his community. He’s earned a reputation for caring service and powerful results throughout Florida.
How the Process Works
To begin, you must file a petition in federal bankruptcy court. This petition includes a detailed list of your:
- Assets
- Income
- Debts
- Expenses
- Recent financial activity
Once your case is filed, an automatic stay goes into effect, immediately stopping most collection actions, lawsuits, wage garnishments, and foreclosure proceedings.
From there, a trustee is appointed to evaluate your case. This includes reviewing your financial disclosures, determining what property is exempt or non-exempt under the law, and facilitating any necessary liquidation of assets. In most consumer cases, the debtor keeps all or most of their property, depending on exemption laws.
You must also complete a credit counseling course and meet eligibility requirements through a means test, which assesses your income compared to the median income for Florida households. If your income is too high, you may be directed to file under Chapter 13 instead.
Is Chapter 7 Right for You?
At Mann Law, we take the time to understand your unique situation and determine whether Chapter 7 is the best course of action. Our attorney provides straightforward guidance, direct access, and proven results.
If you are ready to explore a new financial beginning, contact Mann Law online or at (321) 461-5482 today to request a free consultation with a Melbourne Chapter 7 bankruptcy attorney. We offer flexible payment plans.
