Do I Qualify for Chapter 7 Bankruptcy in Melbourne, Florida?
If you’re drowning in debt and live in Melbourne, Florida, you might be wondering: Can I file for Chapter 7 bankruptcy? As a local Chapter 7 bankruptcy attorney, I’ve helped countless Brevard County residents find a fresh financial start. Let’s break down the basics of qualifying for Chapter 7 and how it works here in our community.
What Is Chapter 7 Bankruptcy?
Chapter 7 is often called “liquidation bankruptcy.” It’s designed to wipe out unsecured debts—like credit card balances, medical bills, or personal loans—while allowing you to keep certain exempt property. In Florida, state laws offer generous exemptions, such as protecting your home under the homestead exemption if you’ve owned it for at least 1,215 days. For Melbourne residents, this can be a lifeline.
Key Eligibility Requirements
To qualify for Chapter 7 in Melbourne, you’ll need to pass the “means test.” This compares your income to Florida’s median income for your household size. As of 2025, the median income for a single-person household in Florida hovers around $60,000 annually. If your income is below this, you’re likely eligible. If it’s above, we’ll dig into your expenses—like rent, utilities, or car payments—to see if Chapter 7 still fits.
You also can’t have filed a Chapter 7 case in the last eight years or a Chapter 13 in the last six. Don’t worry if this sounds complex—I guide clients through every step.
Why Melbourne Residents Choose Chapter 7
Living in Melbourne, Florida, comes with unique financial pressures. Whether it’s rising costs along the Space Coast or unexpected setbacks like medical emergencies, debt can pile up fast. Chapter 7 offers a reset button, typically discharging debts in just 3-6 months. For example, I recently helped a Palm Bay couple eliminate $45,000 in credit card debt while keeping their home. Stories like theirs are why I’m passionate about serving our community.
Next Steps for You
Not sure if you qualify? The best way to find out is a free consultation with a Melbourne Chapter 7 bankruptcy attorney. I’ll review your income, debts, and assets to confirm your eligibility and explain how Florida exemptions apply to you. No judgment—just practical solutions.
Debt doesn’t have to define your future. If you’re in Melbourne or anywhere in Brevard County, reach out today. Let’s explore how Chapter 7 can give you the fresh start you deserve.