Bankruptcy Attorneys in Stuart, FL

What Do Stuart Bankruptcy Attorneys Do for You?

This process is a federal legal proceeding that can stop collection calls, end wage garnishment, and eliminate or restructure debt. When you file, an automatic stay goes into effect immediately, halting creditor harassment, garnishments, and foreclosure proceedings while your case moves forward. A local attorney who knows Florida's exemption laws and files regularly in the Southern District of Florida Bankruptcy Court can help protect the assets that matter most to you.

Ozment Law handles both Chapter 7 and Chapter 13 bankruptcy, along with wage garnishment defense, loan modifications, and foreclosure defense.

Chapter 7 vs. Chapter 13: Which Is Right for You?

Chapter 7 is often called liquidation bankruptcy. It can discharge many types of unsecured debt, including credit card balances, medical bills, and personal loans. Most cases close in roughly three to four months. Florida's exemptions allow many filers to keep their home, vehicle, retirement accounts, and household goods. To qualify, your income must fall within Florida's means test limits.

Chapter 13 is a reorganization plan. You repay a portion of your debt over three to five years through a court-approved plan. Chapter 13 may be the better fit if you earn too much for Chapter 7, want to keep your home and catch up on missed mortgage payments, or need to address non-dischargeable debts in a structured way.

Not sure which chapter fits your situation? The free consultation at Ozment Law is designed to answer exactly that question.

Looking for a Bankruptcy Lawyer in Stuart, FL?

Whether you're searching for a bankruptcy attorney or a bankruptcy lawyer in Stuart, FL, Ozment Law offers the same experienced, personalized representation for residents throughout Martin County and the Treasure Coast. The terms are used interchangeably, and so is the firm's commitment: one attorney, Drake Ozment, handles your case personally from the first consultation through discharge.

Ozment Law may be able to help Stuart-area residents with several common debt situations, including:



• Unsecured debt elimination through Chapter 7 bankruptcy, often completed without surrendering property.
• Structured repayment and mortgage arrearage resolution through Chapter 13 bankruptcy, which can stop a foreclosure in progress.
• Wage garnishment relief, which an automatic stay may trigger the moment a case is filed.
• Student loan debt guidance, including an honest assessment of available options under current Florida and federal standards.

A qualified attorney can review your income, assets, and debt load to determine which chapter fits your circumstances. Not every Stuart resident will qualify for Chapter 7; the Florida means test uses median income benchmarks that change periodically, and a lawyer can run that analysis before you commit to a filing path.

Serving Stuart, FL, and the Surrounding Martin County Area

Stuart is the county seat of Martin County and sits between Palm Beach County to the south and St. Lucie County to the north. The bankruptcy attorneys at Ozment Law serve clients throughout the greater Stuart area, including Palm City, Jensen Beach, Hobe Sound, Port St. Lucie, and Indiantown. Martin County cases are filed through the Southern District of Florida Bankruptcy Court. Having a team experienced with this court's procedures, local trustees, and Florida exemption law can make a meaningful difference in your outcome.

To learn more, visit the Chapter 7 bankruptcy page or the Chapter 13 bankruptcy page.

Why Choose Ozment Law for Bankruptcy in Stuart?

Ozment Law has more than 30 years of experience and has helped over 10,000 clients pursue debt relief. Attorney Drake Ozment personally meets with each client and remains involved throughout the process. The firm has earned over 200 five-star reviews from clients across South Florida. Same-day appointments are often available, and flexible options make legal help accessible. You receive personalized attention from bankruptcy attorneys committed to your case.