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Zero Down Chapter 7 Bankruptcy


Providing Florida residents with affordable access to powerful financial relief

We know what you're going through—the stress, the calls, the bills. You're ready to start fresh with Chapter 7 bankruptcy, but money's so tight you can't possibly afford the filing fee. We understand. If you've got regular income and a bank account, we can help you get you the relief you need today and stop foreclosure, repossession, garnishment, financial stress and creditor harassment immediately.

Most Sarasota, Manatee and Charlotte county bankruptcy firms offer payment plans, but they won't file your case and get you the relief and protection you need until your fees are fully paid. At David Holland Law, we can file your case for as little as ZERO down. 

If you are considering bankruptcy, we know you are already facing serious financial problems and don't have funds to pay fees. That's why we allow you to begin the Chapter 7 bankruptcy process without paying any money up front. During your initial free consultation at one of our offices in Sarasota, Manatee or Charlotte counties, we will explain the bankruptcy process and determine whether you meet the legal requirements to file. If you qualify and you have steady income and a bank account, you can enter into bankruptcy without paying any money down. Your payments only begin after we file the case and many of your debts are eliminated.

Call (941) 744-5450 or fill out the form on this page to schedule your free consultation with David Holland, an experienced bankruptcy attorney. You have nothing to lose but your debt!

If you have questions and the chat window is active, David may be able to assist you immediately.

How does Chapter 7 bankruptcy work?

While federal law gives Americans the right to discharge certain debts in Chapter 7 bankruptcy, each state is able to create its own requirements and exemptions. To qualify in Florida, your income must be below a certain threshold as determined by a means test. Many people who find themselves in serious financial trouble are able to pass this test. People whose income is too high to qualify under Chapter 7 may be able to find relief under an alternative process known as Chapter 13.

One of the main reasons why people consider bankruptcy is the endless stream of calls and letters from debt collectors. We put a stop to this constant harassment. As soon as we file your case the federal court issues an automatic stay, stopping creditors in their tracks. If they want to contact you again, they will have to go through a bankruptcy judge first.

Common Bankruptcy Questions

More on Chapter 7 and Do I qualify?

What assets can you keep after filing your $0 down bankruptcy?

People considering bankruptcy are often worried whether they will be able to afford an attorney and whether they will lose everything that they own. David Holland Law fights to alleviate both of these concerns. When you choose us, there are no up-front costs.

Zero-down bankruptcy does not mean giving up all of your property. Florida allows you to keep exempt property that you own or have equity in — equity being the property's value minus the amount of money that you still owe on it. Married couples are allowed to combine their exemptions to keep double the amount of property. If you qualify as a Florida resident you will likely be able to exempt at least the following property from liquidation in a chapter 7 bankruptcy:

  • Your homestead property and $1000 in personal property
  • $4,000 personal property if you don't own homestead property
  • $1,000 equity in a vehicle
  • Savings from Social Security
  • ERISA qualified Pension & Retirement accounts (most are ERISA qualified)
  • Spendthrift Tusts
  • Prescription medication and medical equipment
  • Medical Savings Accounts

Under state law, most benefits and spousal support are also exempted. Of course, you don't have to figure this out on your own. At David Holland Law, we work hard to find ways to let you keep your most important property or assets, all without you putting any money down.

True $0 down bankruptcy

While law firms try all sorts of advertising campaigns to convince clients to use their services, ours is no gimmick. We offer something that no other local firm does. For people who choose us, the math is simple. If you have a steady income and meet the legal requirements to file Chapter 7 bankruptcy in Florida, our firm will file your case for $0 down.

Call us now to stop debt collectors in their tracks for $0 down

At David Holland Law, we always have your best interests in mind. Our goal is to give families in the Sarasota/Manatee/Charlotte area the opportunity to get a fresh financial start. To learn more and see if you meet the requirements for $0 down Chapter 7 bankruptcy, call David Holland Law today at (941)-744-5450 or use our simple online case evaluation to schedule a free consultation. You have nothing to lose but your debt!

Contact Us Today!

At David Holland Law we focus on Consumer Bankruptcy and Debt Defense. We proudly serve Manatee and Sarasota Counties. We offer free phone or in-office consultations in Bradenton, Sarasota, Lakewood Ranch and Port Charlotte. Contact us through the form on this page or call us at (941) 744-5450 to speak with an experienced bankruptcy and debt defense attorney today. We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.