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Bankruptcy Exhibits for Florida Courts

Florida bankruptcy cases are filed in the Northern, Middle, or Southern District, so check that court's CM/ECF requirements. Florida's generous homestead exemption and unique state laws create specific documentation needs. This guide covers exhibit preparation for Chapter 7, 13, and 11 cases in Florida bankruptcy courts.

Bankruptcy exhibits in Florida: key facts
  • Florida's primary exhibit rule is FRBP 4003, 11 U.S.C. § 341.
  • Bankruptcy cases in Florida e-file through CM/ECF.
  • CM/ECF caps each uploaded document at 35 MB.
  • The exhibit exchange deadline in Florida is Per Court order (typically 7-14 days).
  • Common Bankruptcy exhibits in Florida include Schedules A/B (property) and supporting documentation and Florida homestead declaration and deed.
  • ExhibitPrep stamps exhibits in the browser, so case files never leave the computer.

Before you file

ExhibitPrep formats documents. It does not provide legal advice, submit filings, or determine whether evidence is admissible or a filing meets court requirements.

Some guidance has not been verified against current official sources. A citation supports only its stated claim and scope. Compare the finished PDF with current court instructions and orders in your case. Follow the filing review checklist.

CM/ECFPer Court order (typically 7-14 days)FRBP 4003, 11 U.S.C. § 341

Opens the tool set up for Florida — plaintiff: Numbers starting at 1; defendant: Letters starting at A.

Free Florida Guide

Florida Quick Reference

E-Filing SystemCM/ECF ↗
File Size Limit35 MB
Exchange DeadlinePer Court order (typically 7-14 days)
Primary RuleFRBP 4003, 11 U.S.C. § 341

Common Bankruptcy Exhibits in Florida

Schedules A/B (property) and supporting documentation
Florida homestead declaration and deed
Bank statements (6 months minimum)
Pay stubs (6 months) and employment verification
Tax returns (2-4 years)
Vehicle titles and valuations
Mortgage statements and property appraisals
Credit card and debt statements
Business records (Chapter 11)
Means test calculations
Pre-bankruptcy credit counseling certificate
Retirement account statements (ERISA exemption)

Florida Bankruptcy Tips

  • 1Southern District (Miami) handles many complex Chapter 11 cases - follow Judge-specific procedures
  • 2Florida homestead exemption is unlimited in value but requires proper documentation
  • 3SDFL has specific requirements for Certificate of Service on all exhibits
  • 4Middle District (Tampa/Orlando/Jacksonville) uses local form requirements
  • 5Always include 6 months of bank statements regardless of district
  • 6Check the bankruptcy court's CM/ECF procedures for how to file exhibits.
  • 7Bates stamp financial documents for easy reference at 341 meeting

Common Bankruptcy Filing Mistakes in Florida

Insufficient homestead documentation - need deed, declaration of domicile, utility bills
Missing bank statements - trustees scrutinize gaps in financial records
Not including 6 months of pay stubs for means test verification
Failing to properly value Florida real estate with recent comparable sales
Incomplete business records in Chapter 11 cases
Not redacting Social Security numbers per FRBP 9037

Bankruptcy Exhibits in Florida: FAQ

What documents prove Florida homestead exemption eligibility?

Documents commonly gathered to support a Florida homestead claim include the deed, proof of residence such as utility bills or a driver's license, and evidence the property is your primary residence; confirm requirements with the court or counsel. Florida's exemption is unlimited in value but limited to half acre in municipality.

What are the CM/ECF requirements for Florida bankruptcy exhibits?

Confirm the current CM/ECF file-size limit with the specific Florida bankruptcy district court. Use descriptive filenames and ensure SSN redaction per FRBP 9037. Each district has specific local rules.

What exhibits are reviewed at a Florida 341 meeting?

Trustees typically review: (1) photo ID and Social Security card, (2) bank statements for 6 months pre-filing, (3) pay stubs, (4) tax returns, (5) property valuations, (6) vehicle titles. Have organized exhibits ready - trustees have limited time per case.

Are there different exhibit rules for SDFL vs. MDFL?

Yes, each Florida district has local rules. In the Southern District bankruptcy court, represented parties must file exhibits through CM/ECF with a local-form Exhibit Register. MDFL (Middle District) has division-specific practices for Tampa, Orlando, and Jacksonville.

How should I organize financial exhibits for Florida bankruptcy?

Organize by category: (1) Income - pay stubs, tax returns, (2) Assets - bank statements, property deeds, vehicle titles, (3) Liabilities - credit card statements, loan documents, (4) Exemptions - homestead docs, retirement statements. Bates stamp everything.

Related Resources

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Opens the tool set up for Florida — plaintiff: Numbers starting at 1; defendant: Letters starting at A.

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