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Florida Bankruptcy - Bankruptcy Attorneys & Courts

Florida Bankruptcy - Bankruptcy Attorneys & Courts

A Quick Look At Florida Bankruptcy Exemptions

Florida does not allow federal exemptions to be used in addition to state exemptions. Florida bankruptcy exemptions are fairly liberal but the crunch has taken its toll. To compensate for this, Florida bankruptcy state laws now allow debtors to claim more on personal property exemptions if they do not qualify for homestead exemptions.


Homestead: Unlimited value for up to acre within a municipality and 160 acres outside a municipality. This includes mobile homes.

Personal Property: Up to $1000 for a single person and $2000 for a married couple. Deposits into prepaid college trust fund, deposits into prepaid medical savings account, deposits into prepaid hurricane savings, federal income tax refund and credit, health aids, car up to $1000 and deposits for funeral contracts.

Insurance: All death benefits payable to a beneficiary, life insurance, illness and disability and fraternal benefit society payments.

Pensions: State officer and employee pensions, county officers and employee pensions, firefighter, police officer, Roth IRAs and ERISA qualified benefits.

Public Benefits: Public assistance, social security, unemployment benefits, veterans' benefits and workers compensation.

Tools of your Trade: None.

Wages: Head of the family - all wages up to $500/week, wages deposited into bank account - $500/week up to 6 months after deposit, federal government employee pension (provided it is received 3 months before collection of money).

There are U.S Bankruptcy Courts in each of Florida's three districts:

Northern District of Florida

United States Courthouse, Gainesville
401 SE First Ave. Room 243
Gainesville, FL 32601
Tel: (352) 380-2400

United States Courthouse, Panama City
30 West Government Street
Panama City, Florida 32401
Tel: (850) 769-4556

Pensacola Division
100 N. Palafox Street, Suite 154
Pensacola, FL 32502
Tel: (866) 639-4615

Tallahassee Division
110 E. Park Ave., Suite 100
Tallahassee, FL 32301
Tel: (850) 521-5001
Tel: (866) 639-4615
NOTE: This is the mailing address for Northern District Florida Bankruptcy correspondence.

Middle District of Florida

Jacksonville Division
Bryan Simpson United States Courthouse
300 North Hogan Street, Suite 3 - 350
Jacksonville, Florida 32202
Tel: (904) 301-6490

Orlando Division
Fairwinds Building
135 West Central Blvd, Suite 950
Orlando, Florida 32801
Tel: (407) 648-6365

Tampa Division
Sam M. Gibbons United States Courthouse
801 N. Florida Avenue
Tampa, Florida 33602
Tel: (813) 301-5162

Fort Myers Division
United States Courthouse
Fort Myers, Florida 33901
NOTE: There is no clerk's office; all enquiries should be directed to the Tampa Division.

Southern District of Florida

Miami Division
Claude Pepper Federal Building
51 S.W. 1st Avenue, Room 1510
Miami, FL 33130
Tel: (305) 714-1800

U.S. Courthouse, Fort Lauderdale
299 E. Broward Blvd., Room 112
Fort Lauderdale, FL 33301
Tel: (954) 769-5700

West Palm Beach Division
Flagler Waterview Building
1515 North Flagler Drive, 8th Floor
West Palm Beach, FL 33401
Tel: (561) 514-4100

You can find bankruptcy attorneys and lawyers in your area using these directory sites: