Miami Beach is a coastal city on a barrier island across Biscayne Bay from downtown Miami. Known for tourism, Art Deco architecture, and nightlife, Miami Beach has a diverse economy heavily dependent on hospitality. Seasonal employment fluctuations and high cost of living create financial difficulties for many residents.
Exemptions determine what property you can keep in bankruptcy. See the full Florida exemptions guide.
The Miami bankruptcy courthouse at 301 N Miami Ave is 5-10 miles away across the bay. After filing, all collection activity stops. Tourism workers should be aware that the means test looks at six months of income, so seasonal fluctuations can affect Chapter 7 eligibility.
Miami Beach residents can access Legal Services of Greater Miami (305-576-0080), the Dade County Bar Association, and Florida Rural Legal Services. Credit counseling is available online in English and Spanish.
Yes. Florida's homestead exemption applies to condominiums without a dollar cap (half-acre urban limit, which condos satisfy). It must be your primary residence. You must meet the 1,215-day requirement if you moved from another state.
The means test averages your income over six months. Filing during or just after your low season may help you qualify for Chapter 7. Discuss timing strategy with an attorney.
Income earned after your Chapter 7 filing date is yours to keep. In Chapter 13, post-filing income funds your repayment plan. Tips and cash income should be accurately reported on your schedules.
Use the free 1328(f) screener to check whether a prior discharge affects your eligibility.
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