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Bankruptcy Exhibits for Florida Courts

Florida bankruptcy cases across the Southern, Middle, and Northern Districts require careful attention to CM/ECF filing requirements and Florida-specific exemptions. 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.

CM/ECFPer Court order (typically 7-14 days)FRBP 4003, 11 U.S.C. § 341
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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
  • 6CM/ECF requires exhibits to be filed as attachments to the main document
  • 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?

Florida homestead exemption requires: (1) deed showing ownership, (2) declaration of domicile filed with circuit court, (3) proof of residence (utility bills, driver's license), and (4) evidence property is your primary residence. Florida's exemption is unlimited in value but limited to half acre in municipality.

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

CM/ECF in Florida bankruptcy courts requires PDF format, 35 MB maximum file size, and exhibits filed as attachments to the main document. 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. SDFL (Southern District) requires Certificate of Service on exhibits and has specific complex Chapter 11 procedures. 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

Bankruptcy Exhibits

General guide for all states

Florida Requirements

All practice areas

Free PDF Guide

Florida exhibit guide

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