Free Bankruptcy Eligibility Calculator
Answer 5 quick questions to find out whether Chapter 7 or Chapter 13 bankruptcy may be right for your situation — based on Florida law.
Free Eligibility Assessment
Debt Relief Calculator
Answer 5 quick questions to see which type of bankruptcy may apply to your situation.
What is your approximate annual household income?
Include all income sources: wages, self-employment, rental income, Social Security, etc.
About This Calculator
This tool uses Florida's median income thresholds and general bankruptcy eligibility criteria to provide a preliminary assessment. It is not a substitute for legal advice.
- Based on Florida 2024 median income data
- Applies the Chapter 7 means test framework
- Considers secured vs. unsecured debt profile
- Takes about 2 minutes to complete
Why Choose Attorney Hosein?
- 25+ years of bankruptcy experience in the Florida Panhandle
- University of Miami School of Law graduate
- Free, same-day consultations available
Chapter 7 vs. Chapter 13
Chapter 7 — Liquidation
Discharges most unsecured debts in 3–6 months. Best for those below Florida's median income with primarily unsecured debt.
Learn moreChapter 13 — Reorganization
3–5 year repayment plan. Best for those above median income, behind on mortgage/car, or with assets to protect.
Learn moreDisclaimer: This calculator is provided for general informational purposes only and does not constitute legal advice. Results are based on simplified criteria and may not reflect your complete legal situation. Florida bankruptcy law is complex and individual circumstances vary significantly. Please consult with Attorney Shiraz A. Hosein directly for a comprehensive evaluation of your specific situation. We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.