Satellite Beach Foreclosure Attorney | Bankruptcy Lawyer in Satellite Beach, FL
Stop Foreclosure. Eliminate Debt. Rebuild Your Future.
Facing overwhelming debt in Satellite Beach? Is the bank threatening to foreclosure on your home? We can help. At Bowin Law Group, our experienced Satellite Beach bankruptcy and foreclosure attorney helps residents throughout Brevard County find real debt relief through Chapter 7 bankruptcy, Chapter 13 bankruptcy and foreclosure defense. Attorney Beau Bowin was designated as a Rising Star in SuperLawyers Magazine (selected by Thomson Reuters) and is a 10.0 “Superb” AVVO-rated attorney. Attorney Bowin delivers personalized, aggressive representation to help you regain control.
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. Let us fight for you.
We are Brevard's Hometown Law Group, serving Satellite Beach, Melbourne, Palm Bay, Titusville, Cocoa, Rockledge, Merritt Island, Cape Canaveral, and all of Brevard County.
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Why Choose Our Satellite Beach Bankruptcy Lawyers?
- Local Expertise: Based in Brevard County, we understand Florida bankruptcy laws and local court procedures.
- Proven Results: Helped hundreds of families stop foreclosure, discharge unsecured debt, and protect their homes.
- Personalized Plans: Whether you qualify for Chapter 7 liquidation or need a Chapter 13 repayment plan, we tailor solutions to your situation.
- Free Case Evaluation: No obligation. Speak directly with an attorney — not a paralegal.
Our Bankruptcy Services in Satellite Beach & Brevard County
Chapter 7 Bankruptcy
“The Fresh Start”
Wipe out credit card debt, medical bills, personal loans
Stop wage garnishment & creditor harassment
Keep most assets (including your home & car in many cases)
Fast process — discharge in as little as 3–4 months
Chapter 13 Bankruptcy
“The Reorganization Plan”
Stop foreclosure and catch up on mortgage payments
Restructure car loans & tax debt
Create an affordable 3–5 year repayment plan
Protect co-signers and non-exempt property
Foreclosure Defense
- Fight the bank in foreclosure court. No attorney has won more foreclosure cases for homeowners in Brevard County. We fight to win
- File emergency bankruptcy to halt foreclosure sales
- Negotiate loan modifications or short sales
- Explore alternatives to save your home
How Bankruptcy Can Help You Today
Problem | Solution |
Behind on mortgage? | Chapter 13 stops foreclosure immediately |
Harassed by collectors? | Automatic stay ends calls & lawsuits |
Medical bills piling up? | Chapter 7 discharges 100% of medical debt |
Can’t afford car payment? | Cramdown reduces loan balance in Chapter 13 |
Meet Your Satellite Beach Bankruptcy Attorney Beau Bowin
- Born and Raised in Melbourne, FL.
- 20+ years of practice
- 15+ years helping Brevard County families
- Member: Florida Bar, National Association of Consumer Bankruptcy Attorneys
- Former Law Clerk for the Bankruptcy Court in West Palm Beach, FL
- AVVO Clients’ Choice Award Winner - 10.0 Rating
- Selected as a Rising Star in SuperLawyers Magazine, published by Thomson Reuters
Frequently Asked Questions
Q: Can Chapter 7 bankruptcy stop a foreclosure sale in Satellite Beach or Melbourne?
A: Yes. Filing Chapter 7 triggers an automatic stay under 11 U.S.C. § 362, immediately halting foreclosure proceedings in Brevard County. This gives you breathing room to explore options like loan modification or short sale. Note: Chapter 7 does not cure mortgage arrears long-term — only Chapter 13 can.
Q: Will I lose my home if I file Chapter 7 in Satellite Beach, FL?
A: No! In most cases, Florida’s homestead exemption protects unlimited equity in your primary residence. Most Satellite Beach and Cocoa Beach homeowners keep their homes in Chapter 7. We would never file your Chapter 7 bankruptcy if there was a chance of losing any of your cherished asset, including your home, unless you were intentionally surrendering those items. For more information on the property you can keep, review our blog post explaining your bankruptcy exemptions.
Q: What debts are wiped out in Chapter 7?
A: 100% discharge of unsecured debts including:
- Credit cards
- Medical bills
- Personal loans
- Past-due utilities
- Certain tax debts (if over 3 years old)
Non-dischargeable: Recent taxes, child support, student loans, most HOA fees.
Q: How long does Chapter 7 take in Satellite Beach, FL?
A: Typically, 90–120 days from filing to discharge. The 341 Meeting of Creditors (a misnomer since creditors never appear) is held virtually. Bowin Law Group prepares you fully and will appear with you.
Q: Can I keep my car in Chapter 7?
A: Yes. Florida’s motor vehicle exemption protects up to $5,000 in equity. If your car loan is current, you can reaffirm the debt and keep the vehicle. You may also negotiate redemption to pay fair market value and discharge the rest.
Q: What’s the income limit for Chapter 7 in Satellite Beach, FL?
A: You must pass the means test. For a family of 4 in 2025, the median income threshold is approximately $92,000. Above-median filers may still qualify based on expenses. We run the test for free.
Q: Can Chapter 7 stop wage garnishment in Merritt Island or Cape Canaveral?
A: Immediately. The automatic stay ends all collection actions, including IRS and creditor garnishments. Discharged debts eliminate future garnishment risk.
Q: How does foreclosure defense work alongside Chapter 7 in Brevard County?
A: We can file an emergency bankruptcy to stop sheriff sales scheduled in Titusville or Melbourne. Then, we:
- Challenge the foreclosure in court
- Negotiate loan mods with the lenders
- Pursue short sale or deed in lieu if keeping the home isn’t feasible
Q: Do I need a local Brevard County attorney?
A: Yes. Local counsel knows:
- Brevard County foreclosure judges’ preferences
- Chapter 7 trustees
- Clerk procedures in Melbourne and Titusville courthouses
Q: What’s the first step?
A: Call (321) 821-7440 for a free case review. We serve all of Brevard County — from Cocoa to Palm Bay to the Beaches.
Open Mon–Fri: 9:00AM – 5:00PM
Bowin Law Group – Brevard’s Hometown Law Group
