Bankruptcy Attorney in Fort Myers, Florida Serving all of florida
Because a fresh start is the only kind of start...
At Lynn Law Group, we understand how overwhelming financial stress can feel- especially for families and small business owners in Fort Myers and throughout Southwest Florida. Medical bills, job uncertainty, and the rising cost of living have left many people facing impossible choices: risking their home, working multiple jobs just to stay afloat, or continuing to drown in debt. Bankruptcy law exists to give honest people a legal path forward.
Filing for bankruptcy is not a failure. It’s a decision to protect your family and take control of your future. Whether through Chapter 7, Chapter 13, or Subchapter V for small businesses, bankruptcy laws are designed to stop creditor harassment, halt foreclosures, and either eliminate or restructure overwhelming debt.
Our Fort Myers bankruptcy attorneys guide clients through every step of the process with flat, straightforward, reasonable fees, direct communication with an attorney — not a call center — and bilingual services for Spanish-speaking clients. We help individuals and businesses across Fort Myers, Naples, Cape Coral, Lehigh Acres, and throughout Florida use the exemptions and strategies that fit their unique situation.
Bankruptcy isn’t the end. It’s your opportunity for a fresh financial start- and we would love to be a part of it!
BANKRUPTCY ISN'T FAILURE- IT IS A FINANCIAL FRESH START!
Large corporations regularly use bankruptcy laws to reorganize and survive, and everyday families have the same legal right. Choosing bankruptcy is often far better than watching your family struggle, risking your home, or enduring nonstop calls from creditors with no clear path forward.
At Lynn Law Group, we remind clients that bankruptcy is written into the U.S. Constitution for a reason — it exists to protect people, not punish them. Throughout history, laws have recognized the need to place limits on debt collection so families can regain stability instead of being trapped indefinitely.
If medical bills, job loss, or inflation have pushed you beyond your limits, know this: bankruptcy can be the beginning of something better. We’re here to guide you through the process with respect, compassion, and proven experience.
Chapter 7 Bankruptcy
Chapter 7 bankruptcy — sometimes referred to as “liquidation bankruptcy” — is the most common option for individuals and families in Southwest Florida. It’s designed to eliminate overwhelming unsecured debt and provide a true financial reset. In most straightforward cases, a Chapter 7 bankruptcy takes approximately90-120 days from filing to discharge.
Many people qualify for Chapter 7 based on income, household size, and allowable expenses. Our role is to carefully evaluate your situation and determine whether this option is right for you. We make the initial determination based on the Means Test (median household income in Florida, by household size). You can find our most updated chart in our blog.
With Chapter 7, you may be able to:
- Eliminate credit card debt, medical bills, and personal loans
- Keep your home, car, and personal property in many cases
- Stop lawsuits, wage garnishments, and creditor harassment immediately upon filing (through the automatic stay)
- Begin rebuilding your credit — many clients see improvement within 12–24 months after discharge. Some clients who had very low credit to begin with, even see their score RISE after filing.
At Lynn Law Group, our Fort Myers bankruptcy attorneys walk you through every step of the Chapter 7 process — from determining eligibility to applying exemptions strategically so you protect what matters most. We offer flat reasonable fees, direct communication with an attorney, evening and weekend appointments upon request and availability, and bilingual Spanish services to make the process as clear and stress-free as possible.
Chapter 7 is not about losing everything — it’s about using the law correctly to protect your future.
Chapter 13 Bankruptcy
Chapter 13 bankruptcy allows individuals and families in Fort Myers and throughout Florida to reorganize debt through a court-approved repayment plan while keeping their home, car, and other important assets. It is especially powerful for people who need time to catch up on past-due obligations without losing assets they’ve worked hard to build.
Chapter 13 is often a good option for those with steady income who are behind on mortgage payments, car loans, or other priority debts and want a structured, manageable solution.
With Chapter 13, you may be able to:
- Stop foreclosure immediately and save your home
- Catch up on missed mortgage payments over 3–5 years
- Pursue a mortgage modification during the bankruptcy process
- Reduce a car loan balance to the vehicle’s current market value (“cramdown”), often lowering the interest rate as well
- Discharge remaining credit card debt, medical bills, and personal loans after successfully completing the plan
- Pay back only a portion of unsecured debt — sometimes pennies on the dollar
- Protect co-signers on certain consumer debts through the co-debtor stay while your plan is active
- Stop lawsuits, wage garnishments, and repossessions immediately upon filing
At Lynn Law Group, our Fort Myers bankruptcy attorneys tailor each Chapter 13 plan to fit your income, assets, and long-term goals. We guide you step by step — from maximizing exemptions and seeking mortgage relief to using tools like the car cramdown to reduce financial pressure. With flat reasonable fees, direct communication with an attorney, and bilingual Spanish services, we make the Chapter 13 process as clear and stress-free as possible.
Chapter 13 is not about punishment — it’s about giving families time, structure, and protection to regain control of their finances.
Subchapter V for Small Businesses in SWFL
Subchapter V is a special form of Chapter 11 bankruptcy designed for small businesses and entrepreneurs. It allows business owners to reorganize their debt quickly and affordably, without the heavy costs and complications of traditional Chapter 11.
With Subchapter V, you can:
- Keep your business open while restructuring debt.
- Negotiate with creditors under court protection.
- Confirm a repayment plan faster, with fewer obstacles.
At Lynn Law Group, we help Southwest Florida business owners use Subchapter V to protect their companies, jobs, and futures- while giving them room to rebuild.
Debt Negotiation and Defense Attorney in Fort Myers, Florida
When bankruptcy is not an option, debt can be negotiated. At Lynn Law Group, we know that debt can feel overwhelming long before you ever step into a courtroom. If you’re in Fort Myers, Cape Coral, Naples or anywhere in Florida, and you’re getting calls, letters, or threats from creditors, debt negotiation may be the first step toward finally getting control back.
Debt negotiation is exactly what it sounds like — our team steps in and works directly with your creditors to try to reduce the total amount you owe, stop the nonstop phone calls, and create a realistic plan that fits your budget. Instead of juggling minimum payments or falling deeper behind, you finally get clarity, structure, and breathing room.
We negotiate with:
✅ Credit card companies
✅ Medical providers
✅ Personal loan lenders
✅ Collection agencies
✅ Certain business creditors
Every situation is different, and not every debt can be negotiated, but sitting down with an experienced debt-resolution attorney can help you understand which options make sense for you. Sometimes debt negotiation solves the problem; other times, it’s the bridge that helps you avoid lawsuits, garnishments, or more aggressive collections.
There are situations, for instance if your debt is with one creditor, where this may be feasible instead of bankruptcy.
More importantly — you don’t have to handle any of this alone. Our attorneys look at your overall financial picture, explain your rights under Florida and federal law, and help you choose the path that protects your income, your assets, and your long-term goals. Whether you ultimately pursue negotiation or even consider bankruptcy, we make sure you understand every option clearly and without pressure.
If you’re tired of the stress and ready to move forward, our team is here to guide you with compassion, honesty, and real solutions that work for families and small businesses throughout Southwest Florida.
