Preparation is the key for success when filing bankruptcy in Florida. The best bankruptcy cases go unnoticed as debtors glide through the system without attracting attention to receive a full discharges in record time. Luck is not involved. Planning began months before filing.
The most successful filers know something that you don’t. Small lifestyle changes may alter means test income and expenses before filing. Well-planned strategic changes will have a dramatic effect on the results of the means test. With a few weeks or months to plan, creating $300 improvement on the bankruptcy means test calculation will save $18,000 in wasted Chapter 13 payments. Just as easily, many people avoid Chapter 13 altogether and may file Chapter 7 when understanding the test procedure. Timing is critical.
2010 Bankruptcy Strategies and the Means Test Explained
For information regarding one Florida bankruptcy case, call the voice case information system (VCIS). The current telephone number is available from the Clerk's office. For information on multiple cases, the court maintains records of online through the federal PACER system. This system is available by either direct dial log-in or online via the internet. All inquires through the PACER system require a payment of a fee, based on means of access (online or direct dial to the data base.)
U. S. Bankruptcy Court
220 West Garden Street
Suite 700
Pensacola, FL 32502-5745
Phone: (850) 435-8475
U. S. Bankruptcy Court
227 North Bronough Street
Suite 3120
Tallahassee, FL 32301-1378
Phone: (850) 942-8933
Office Hours: Mon.- Fri. 9:00-4:00
Website: Florida Bankruptcy Court for the Northern District of Florida
Counties Covered: Jurisdiction
The majority of courts allow either electronic filing or paper filing. A small number of courts only allow electronic filing. Likewise, a small number of courts only accept paper filings. The trend however is clear: all courts will eventually accept only electronic filing and will probably continue to accept diskettes at the clerk's office rather than requiring only online submission. The goal adopted by the U.S. Court system apparently requires the elimination of paper documents by 2010.
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