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Falling behind on your mortgage can make every letter in the mailbox feel expensive. In Florida, the pressure is real. As of February 2026, about one in every 2,277 primary residences in the state was in foreclosure proceedings, and Florida ranked near the top in the country. If you’re trying to save your home, Chapter 13 may buy time. It can pause a foreclosure and spread missed mortgage payments over several years to catch up on mortgage payments. The hard truth, though, is that you still have to make both your plan payments and your new mortgage payments going forward.… Read More

Worried that Chapter 7 bankruptcy means losing everything? In Florida, that’s usually not how it works, thanks to Florida bankruptcy exemptions. Most people keep far more than they expect because these exemptions protect certain property from the trustee, the person who reviews your case and can sell non-exempt assets. Think of exemptions like a legal fence around the basics of your life. If you live in Clearwater or anywhere else in Florida, the key is knowing which protections fit your facts before you file. Key Takeaways Florida bankruptcy exemptions protect most essentials in Chapter 7, like homes, cars, retirement accounts,… Read More