Bankruptcy Attorneys, Port Saint John| Foreclosure Attorneys, Port Saint John, FL
Bankruptcy Attorneys and Foreclosure Defense Attorneys in Port Saint John, Florida.
If you are one of the many Port Saint John / Titusville, Florida residents who are drowning in debt, have lost income, or are upside down on your home mortgage, you probably have many questions about your financial future and how best to eliminate your debt or save your home. The Port Saint John, Florida Bankruptcy Attorney at the Bowin Law Group will give honest, candid advice about your debt relief options, whether it's Chapter 7 Bankruptcy, Chapter 13 Bankruptcy, Foreclosure Defense, Loan Modification, Strategic Default, Short Sale or other debt relief option.
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Led by Beau Bowin, a Super Lawyers Rising Star (selected by Thomson Reuters) and 10.0 “Superb” AVVO-rated attorney, our team delivers personalized, aggressive representation to help you regain control. Beau Bowin, has represented Fortune 500 companies in bankruptcy courts and state courts throughout the Country, including representation of Winn-Dixie Stores, Inc. in its multi-billion-dollar Chapter 11 bankruptcy filed in 2005. Beau was successful in multiple bankruptcy appeals in the Winn-Dixie bankruptcy case in front of the Eleventh Circuit Federal Court of Appeal. Mr. Bowin was selected by his peers as a Rising Star in Super Lawyers Magazine for 2010 and 2011.
No attorney in Florida has won more foreclosure cases for Brevard County families than Beau Bowin. We fight to win, even if that means appealing the trial court's adverse decision. Our appellate record is second to none. We are the local firm that other foreclosure attorneys refer their cases to for appeals. We have also discharge millions of dollars of debt for Brevard County residents. Let us fight for you.
We are Brevard's Hometown Law Group, proudly serving many areas in Brevard County, Florida, including Melbourne, West Melbourne, Palm Bay, Melbourne Beach, Viera, Cocoa, Cocoa Beach, Cape Canaveral, Port Saint John, Titusville, Palm Bay, Rockledge, Satellite Beach, Indian Harbour Beach, Indialantic, Merritt Island, and Port Saint John.
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Why Trust Bowin Law Group With Your Financial Future?
When deciding which debt relief option is best for you and your family, it is imperative that you get candid advice before making any decisions about which debt relief option is right for you. Some firms practice only bankruptcy law, and will naturally suggest bankruptcy as your best option. Other firms practice only foreclosure defense, and will naturally suggest foreclosure defense as your best option. The Bowin Law Group practices all areas of debt relief and, therefore, has no financial incentive to persuade you in any one direction. We pride ourselves on giving honest, candid advice on which, if any, debt relief option is right for you. If we cannot help you, we will tell you that too.
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The Bowin Law Group does not have dozens of attorneys stuffed into cubicles, shuffling through thousands of foreclosures and bankruptcy cases per month. To us, you are more than just a number. When you set up a free consultation with Bowin Law Group, it will be with an experienced, licensed, and practicing attorney who will represent you from the beginning of your case to the end.
Although the Attorneys at the Bowin Law Group offer unparalleled advice and experience to our consumer clients, our experience is not what separates us from other consumer firms. What distinguishes the Bowin Law Group is its unwavering commitment to exceptional and compassionate client service at affordable prices. We offer reasonable fees and affordable payment plans to all Brevard, Florida residents. With our attorneys on your side, your family will receive the highest caliber representation at a price you and your family can afford.
If you live in Titusville or Port Saint John, Florida and are considering strategic default, bankruptcy, short-sale, or mortgage modification, the Bowin Law Group has the experience to help you decide which option is best for you, and we have the determination to help you accomplish your debt relief goal.
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FAQs - Bankruptcy & Foreclosure Defense (2026 Edition)
General Bankruptcy Questions
- What is the difference between Chapter 7 bankruptcy and Chapter 13 bankruptcy?
Chapter 7 is a "liquidation" bankruptcy that can discharge unsecured debts quickly, often within 4–6 months. Chapter 13 involves a 3- to 5-year repayment plan and is often used to save homes from foreclosure by catching up on missed mortgage payments. - Will I lose my home if I file for bankruptcy in Port Saint John?
Not necessarily. Florida’s strong homestead exemption protects your primary residence from being seized by most creditors, provided you meet certain residency requirements. - What is the "Means Test" in 2026?
The means test compares your average monthly income for the last six months to Florida’s median income for your household size. If your income is below the median, you typically qualify for Chapter 7. - Can I file for bankruptcy without an attorney?
While individuals can technically file "pro se," the process is complex and errors can lead to case dismissal. Corporations and partnerships must be represented by an attorney. - How often can I file for bankruptcy in Rockledge, FL?
In 2026, you can generally receive a Chapter 7 discharge once every eight years. Chapter 13 Bankruptcy can be filed more frequently, usually two years after a previous Chapter 13 filing. - Will bankruptcy stop my creditors from calling?
Yes. The moment your petition is filed, an "automatic stay" goes into effect, legally prohibiting creditors from continuing collection actions, including phone calls, lawsuits, and wage garnishments. - What debts are not dischargeable in 2026?
Certain debts typically cannot be wiped out, including most student loans, child support, alimony, and recent tax debts. - How long does bankruptcy stay on my credit report?
A Chapter 7 bankruptcy remains on your credit report for up to 10 years, while a Chapter 13 Bankruptcy remains for up to 7 years. - What is the "look-back" period for asset transfers in Florida?
Under Florida law (Section 726.105), the court can look back up to four years to determine if any asset transfers were made to defraud creditors. - Do I have to go to court?
Most debtors must attend a "341 Meeting of Creditors," which is a brief hearing with the bankruptcy trustee. In 2026, many of these meetings continue to be held virtually or via telephone.
Foreclosure Defense Questions
- How long do I have to respond after being served a foreclosure summons?
In Florida, you have exactly 20 days to file a formal response with the court. Failing to respond can result in a default judgment against you. - Can a bankruptcy filing stop a scheduled foreclosure sale?
Yes. The automatic stay triggered by a bankruptcy filing halts the foreclosure process immediately, even if a sale is scheduled for the next day. - What is "Judicial Foreclosure"?
Florida is a judicial foreclosure state, meaning lenders must file a lawsuit and prove their case in court before they can take your home. - Can I still get a loan modification while in foreclosure?
Yes. Many homeowners pursue loss mitigation or loan modifications while defending a foreclosure. However, simply applying for a modification does not automatically stop the court case. - What are common foreclosure defenses in 2026?
Common strategies include challenging the lender's "standing" (proving they actually own the note), identifying "conditions precedent" (failure to send required notices), and highlighting accounting errors. - What is a deficiency judgment?
If your home sells at a foreclosure auction for less than what you owe, Florida law allows the lender to sue you for the remaining balance, known as a deficiency. - How long does the foreclosure process take in Brevard County?
While it can vary, a contested foreclosure in Florida typically lasts between 6 and 18 months. Uncontested cases can move much faster, potentially finishing in under 90 days. - Is a short sale better than a foreclosure?
A short sale is often less damaging to your credit score than a foreclosure and can sometimes include a waiver of the deficiency judgment. - What is the "120-day rule"?
Federal law generally prohibits mortgage servicers from starting the foreclosure process until you are more than 120 days delinquent on your payments. - Can I stay in my home during the foreclosure lawsuit?
Yes. You have the right to remain in your home throughout the legal process until the certificate of title is issued to a new owner after the foreclosure sale.
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The Bowin Law Group proudly serves many areas in Brevard County, Florida, including Melbourne, West Melbourne, Palm Bay, Melbourne Beach, Viera, Cocoa, Cocoa Beach, Cape Canaveral, Port Saint John, Titusville, Palm Bay, Rockledge, Satellite Beach, Indian Harbour Beach, Indialantic, Merritt Island, and Port Saint John.
