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Did you know filing Chapter 7 bankruptcy in Florida can stop lawsuits, garnishments, and creditor calls the moment you file, without losing your home or car? Most people think bankruptcy ruins your credit forever or means giving up everything. That’s not true, and it’s why so many stay trapped in debt longer than they should. Here’s the truth: Chapter 7 is designed for a fresh start. The instant you file, the “automatic stay” freezes collections. Florida law protects your house, retirement, vehicle, and most personal property. And debts like credit cards, medical bills, and personal loans? Gone for good. Even better, credit often rebounds within two years, sometimes reaching the 700s. For 13+ years, my firm has guided thousands of Floridians through Chapter 7. We handle the process from start to finish, so you can move forward with confidence and peace of mind. If debt is overwhelming you, don’t wait. Call 727-538-4188 today for a free consultation. Let’s see if Chapter 7 is your way to a clean slate.