{"id":2047,"date":"2026-06-17T11:23:39","date_gmt":"2026-06-17T15:23:39","guid":{"rendered":"https:\/\/alexisgarcia.legal\/?p=2047"},"modified":"2026-08-05T12:26:20","modified_gmt":"2026-08-05T16:26:20","slug":"debts-cannot-be-discharged-bankruptcy-florida","status":"publish","type":"post","link":"https:\/\/alexisgarcia.legal\/es\/debts-cannot-be-discharged-bankruptcy-florida\/","title":{"rendered":"What Debts Cannot Be Discharged in Bankruptcy in Florida? (2026 Guide)"},"content":{"rendered":"<h2 class=\"wp-block-heading\">What Debts Cannot Be Discharged in Bankruptcy in Florida?<\/h2>\n<p class=\"wp-block-paragraph\">One of the most important things to understand before filing for bankruptcy is that not every debt disappears. Bankruptcy is a powerful tool for getting a fresh start, but Congress carved out specific categories of debt that survive the process \u2014 no matter how much financial hardship you&#8217;re facing.<\/p>\n<p class=\"wp-block-paragraph\">Knowing which debts cannot be discharged before you file is critical. If most of what you owe falls into one of these categories, bankruptcy may not solve your specific problem \u2014 or you may need a different strategy, like Chapter 13, to manage it properly.<\/p>\n<p class=\"wp-block-paragraph\">This guide walks through every major category of non-dischargeable debt under federal law, explains why each one exists, and helps you understand where you stand before you file.<\/p>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h2 class=\"wp-block-heading\">What Does &#8220;Non-Dischargeable&#8221; Actually Mean?<\/h2>\n<p class=\"wp-block-paragraph\">A non-dischargeable debt is an obligation that survives your bankruptcy case. Even after you receive your discharge \u2014 the order that wipes out your qualifying debts \u2014 you remain personally responsible for paying these specific obligations.<\/p>\n<p class=\"wp-block-paragraph\">These categories are defined under 11 U.S.C. Section 523(a) of the Bankruptcy Code. Congress decided that certain debts should not be erased for public policy reasons \u2014 usually because doing so would be unfair to the other party involved (a child owed support, a person injured by a drunk driver) or because the debt itself involves dishonesty.<\/p>\n<p class=\"wp-block-paragraph\">Importantly, most of these exceptions apply in <strong>both Chapter 7 and Chapter 13<\/strong> bankruptcy. The idea that Chapter 13 wipes out everything Chapter 7 can&#8217;t is mostly outdated \u2014 changes to the law in 2005 narrowed that gap significantly.<\/p>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h2 class=\"wp-block-heading\">Domestic Support Obligations: Child Support and Alimony<\/h2>\n<p class=\"wp-block-paragraph\">Child support and alimony (spousal support) can never be discharged in bankruptcy, under any chapter, under any circumstances. There is no exception and no hardship argument that changes this.<\/p>\n<p class=\"wp-block-paragraph\">If you are behind on these payments when you file, the past-due amount is treated as a <strong>priority debt<\/strong>. In a Chapter 13 case, that means it must be paid in full through your repayment plan. Falling behind even after bankruptcy can lead to wage garnishment, seizure of tax refunds, or contempt of court charges.<\/p>\n<p class=\"wp-block-paragraph\">This is one of the most absolute rules in all of bankruptcy law. If you have a support obligation, plan around the assumption that it will not go away.<\/p>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h2 class=\"wp-block-heading\">Most Student Loans<\/h2>\n<p class=\"wp-block-paragraph\">Student loans \u2014 both federal and private \u2014 are not automatically discharged in bankruptcy. This surprises a lot of people, since student loan debt is one of the most common reasons people consider bankruptcy in the first place.<\/p>\n<p class=\"wp-block-paragraph\">To discharge a student loan, you must file a separate lawsuit within your bankruptcy case called an <strong>adversary proceeding<\/strong> and prove that repaying the loan would cause you &#8220;undue hardship.&#8221; Courts typically apply a strict legal standard (the Brunner Test) requiring you to show that you cannot maintain even a minimal standard of living if forced to repay, that this situation is likely to continue for most of the loan&#8217;s repayment period, and that you&#8217;ve made good-faith efforts to repay.<\/p>\n<p class=\"wp-block-paragraph\">This is a difficult standard to meet, but not impossible \u2014 and recent court decisions have made discharge somewhat more attainable than it was a decade ago, especially for private student loans. If student loans are a major part of your debt, this is an area where speaking with an attorney about your specific facts matters enormously.<\/p>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h2 class=\"wp-block-heading\">Certain Tax Debts<\/h2>\n<p class=\"wp-block-paragraph\">Tax debt is complicated \u2014 some tax debt can be discharged, and some cannot. Generally, an income tax debt may be dischargeable only if it meets <strong>all<\/strong> of the following conditions:<\/p>\n<ul class=\"wp-block-list\">\n<li>The tax return for that debt was due at least three years before you filed bankruptcy<\/li>\n<li>You actually filed the return at least two years before filing bankruptcy<\/li>\n<li>The IRS assessed the tax at least 240 days before you filed<\/li>\n<li>The debt is not connected to fraud or willful tax evasion<\/li>\n<\/ul>\n<p class=\"wp-block-paragraph\">This is sometimes called the &#8220;3-2-240 rule.&#8221; If your tax debt meets all four conditions, it may be wiped out in Chapter 7. If it doesn&#8217;t \u2014 for example, if you filed late or the debt is more recent \u2014 it will likely survive your bankruptcy case.<\/p>\n<p class=\"wp-block-paragraph\">One important detail: even if the underlying tax debt is discharged, an existing IRS tax lien recorded against your property generally remains attached to that property after your case ends. Discharging the debt removes your personal obligation to pay, but it does not automatically remove a lien.<\/p>\n<p class=\"wp-block-paragraph\">We go into much more depth on this specific topic \u2014 including trust fund taxes, the automatic stay&#8217;s effect on IRS collection, and how Chapter 13 handles tax debt that doesn&#8217;t qualify for discharge \u2014 in <a href=\"https:\/\/alexisgarcia.legal\/es\/bankruptcy-tax-debt-miami\/\">Can Bankruptcy Get Rid of Tax Debt? What Miami Filers Need to Know<\/a>.<\/p>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h2 class=\"wp-block-heading\">Debts From Fraud or False Pretenses<\/h2>\n<p class=\"wp-block-paragraph\">If a creditor can prove that you obtained money, property, or credit through fraud, false representation, or false pretenses, that debt is not dischargeable. This typically requires the creditor to file an adversary proceeding \u2014 a lawsuit within your bankruptcy case \u2014 within 60 days of your 341 meeting of creditors.<\/p>\n<p class=\"wp-block-paragraph\">If the creditor misses that deadline, the debt may be discharged anyway, by default. This is an important detail: not every non-dischargeable category applies automatically. Some require the creditor to actively raise the issue with the court and prove it.<\/p>\n<p class=\"wp-block-paragraph\">A related rule covers <strong>luxury purchases and cash advances made shortly before filing<\/strong>. Under current law (for cases filed between April 2025 and March 2028), credit card charges for luxury goods totaling more than $900 to a single creditor within 90 days of filing \u2014 or cash advances over $1,250 within 70 days of filing \u2014 are presumed to be fraudulent and non-dischargeable. This rule exists to prevent people from running up debt right before filing with no intention of paying it back.<\/p>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h2 class=\"wp-block-heading\">DUI-Related Debts<\/h2>\n<p class=\"wp-block-paragraph\">If you caused an accident while driving under the influence of alcohol or drugs, any resulting debt \u2014 court-ordered fines, restitution, or damages owed to people injured or killed \u2014 cannot be discharged in bankruptcy. This exception has no hardship test and no exceptions. It applies regardless of which chapter you file.<\/p>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h2 class=\"wp-block-heading\">Criminal Fines and Restitution<\/h2>\n<p class=\"wp-block-paragraph\">Court-ordered criminal fines, penalties, and restitution payments cannot be eliminated through bankruptcy. This includes restitution owed to crime victims and fines owed to government agencies as punishment for a criminal conviction. Bankruptcy is designed to provide relief from financial hardship \u2014 not to undo the consequences of the criminal justice system.<\/p>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h2 class=\"wp-block-heading\">Debts From Willful and Malicious Injury<\/h2>\n<p class=\"wp-block-paragraph\">If a court determines that you intentionally and wrongfully caused harm to another person or their property, the resulting debt is non-dischargeable. This is different from ordinary negligence \u2014 it requires a finding that the harm was both willful (intentional) and malicious. A creditor must generally prove this in an adversary proceeding for it to apply.<\/p>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h2 class=\"wp-block-heading\">Other Categories Worth Knowing<\/h2>\n<p class=\"wp-block-paragraph\">Section 523(a) lists 19 categories in total. Beyond the major ones above, a few others worth knowing about include:<\/p>\n<ul class=\"wp-block-list\">\n<li><strong>Debts you forgot to list:<\/strong> If you fail to properly list a debt in your bankruptcy paperwork, it may not be discharged \u2014 particularly in Chapter 7 cases where the creditor never had a chance to participate.<\/li>\n<li><strong>Certain HOA and condo association fees:<\/strong> Fees owed before you file are generally dischargeable, but fees that accrue after filing (if you keep the property) are not.<\/li>\n<li><strong>Government fines and penalties:<\/strong> Fines and forfeitures owed to a government unit, when they aren&#8217;t meant to compensate for an actual financial loss, typically survive bankruptcy.<\/li>\n<li><strong>Certain divorce-related debts:<\/strong> Property settlement debts from a divorce (separate from support obligations) may be non-dischargeable in Chapter 7, but can sometimes be discharged in Chapter 13 \u2014 one of the few real differences left between the two chapters.<\/li>\n<\/ul>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h2 class=\"wp-block-heading\">Two Categories Are Treated Differently<\/h2>\n<p class=\"wp-block-paragraph\">It&#8217;s worth understanding that non-dischargeable debts fall into two groups:<\/p>\n<p class=\"wp-block-paragraph\"><strong>Automatic exceptions<\/strong> \u2014 Debts like child support, most student loans, and recent tax debt are non-dischargeable automatically. No one needs to ask the court for anything; the law simply excludes them.<\/p>\n<p class=\"wp-block-paragraph\"><strong>Creditor-challenged exceptions<\/strong> \u2014 Debts involving fraud, luxury purchases, or willful injury are only non-dischargeable if the creditor formally objects and proves their case in court within the required deadline. If the creditor misses the deadline or fails to prove it, the debt is discharged like any other.<\/p>\n<p class=\"wp-block-paragraph\">This distinction matters because it means a debt that looks non-dischargeable on paper might actually be discharged if the creditor doesn&#8217;t take the right legal steps in time.<\/p>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h2 class=\"wp-block-heading\">What If Most of My Debt Isn&#8217;t Dischargeable?<\/h2>\n<p class=\"wp-block-paragraph\">If your situation involves mostly non-dischargeable debt \u2014 for example, a combination of back child support, recent taxes, and student loans \u2014 bankruptcy might not provide the kind of clean relief you&#8217;re hoping for. That doesn&#8217;t necessarily mean bankruptcy is the wrong move, though.<\/p>\n<p class=\"wp-block-paragraph\">Here&#8217;s why: even non-dischargeable debts can benefit from bankruptcy indirectly. <a href=\"https:\/\/alexisgarcia.legal\/es\/chapter-13-bankruptcy-in-miami\/\">Cap\u00edtulo 13 de Bancarrota<\/a> allows you to consolidate past-due, non-dischargeable priority debts like child support and certain taxes into a single structured repayment plan over three to five years \u2014 often with no interest accruing \u2014 while simultaneously discharging your other unsecured debts like credit cards and medical bills. This can make an overwhelming pile of mixed debt far more manageable, even if not every dollar disappears.<\/p>\n<p class=\"wp-block-paragraph\">Meanwhile, <a href=\"https:\/\/alexisgarcia.legal\/es\/chapter-7-bankruptcy-in-miami\/\">Cap\u00edtulo 7 de Bancarrota<\/a> can still eliminate your dischargeable debts quickly, freeing up income that can then go toward the non-dischargeable obligations that remain.<\/p>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h2 class=\"wp-block-heading\">Know Exactly Where You Stand Before You File<\/h2>\n<p class=\"wp-block-paragraph\">Every financial situation is different, and the dischargeability of a specific debt often depends on details that aren&#8217;t obvious from the outside \u2014 when a tax return was filed, whether a charge qualifies as a &#8220;luxury good,&#8221; whether a settlement debt is really a support obligation in disguise. These are exactly the kinds of questions a bankruptcy attorney is trained to sort through.<\/p>\n<p class=\"wp-block-paragraph\">If you&#8217;re considering bankruptcy in Miami and want to understand exactly which of your debts would be eliminated and which would survive, <a href=\"https:\/\/alexisgarcia.legal\/es\/contact-us\/\">schedule a free consultation<\/a> with our office. We&#8217;ll review your specific debts, help you understand your options between Chapter 7 and Chapter 13, and build a realistic plan based on your actual financial picture \u2014 not just general rules.<\/p>\n<p class=\"wp-block-paragraph\">\ud83d\udc49 Visit our <a href=\"https:\/\/alexisgarcia.legal\/es\/miami-bankruptcy-lawyer\/\">Miami bankruptcy lawyer page<\/a><br \/>\ud83d\udc49 <a href=\"https:\/\/alexisgarcia.legal\/es\/contact-us\/\">Contact us<\/a> today to schedule a consultation<\/p>\n<p class=\"wp-block-paragraph\">You don&#8217;t have to guess your way through bankruptcy \u2014 understanding exactly what survives and what doesn&#8217;t is the first step toward a plan that actually works.<\/p>","protected":false},"excerpt":{"rendered":"<p>Student loans, child support, taxes, and more \u2014 find out exactly which debts survive bankruptcy in Florida under Section 523(a), and what your options are if most of your debt isn&#8217;t dischargeable.<\/p>","protected":false},"author":276886052,"featured_media":2048,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_wpcom_ai_launchpad_first_post":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"jetpack_post_was_ever_published":false},"categories":[1361],"tags":[1403,1404,1406],"class_list":["post-2047","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-legal-insights","tag-debt-relief","tag-filing-process","tag-non-dischargeable-debts"],"jetpack_publicize_connections":[],"jetpack_likes_enabled":true,"jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/ph4ALZ-x1","jetpack-related-posts":[{"id":1642,"url":"https:\/\/alexisgarcia.legal\/es\/debts-discharged-in-bankruptcy-in-florida\/","url_meta":{"origin":2047,"position":0},"title":"What Debts Can Be Discharged in Bankruptcy in Florida?","author":"GarciaLegal","date":"mayo 18, 2026","format":false,"excerpt":"What Debts Can Be Discharged in Bankruptcy in Florida? If you\u2019re considering bankruptcy, one of the biggest questions you may have is: \u201cWhat debts can bankruptcy actually eliminate?\u201d The answer depends on several factors, including: The type of debt The type of bankruptcy you file Your individual financial situation The\u2026","rel":"","context":"En \u00abLegal Insights\u00bb","block_context":{"text":"Legal Insights","link":"https:\/\/alexisgarcia.legal\/es\/category\/legal-insights\/"},"img":{"alt_text":"What Debts Can Be Discharged in Bankruptcy in Florida?","src":"https:\/\/i0.wp.com\/alexisgarcia.legal\/wp-content\/uploads\/2026\/05\/AdobeStock_812448524.jpeg?fit=1200%2C832&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/alexisgarcia.legal\/wp-content\/uploads\/2026\/05\/AdobeStock_812448524.jpeg?fit=1200%2C832&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/alexisgarcia.legal\/wp-content\/uploads\/2026\/05\/AdobeStock_812448524.jpeg?fit=1200%2C832&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/alexisgarcia.legal\/wp-content\/uploads\/2026\/05\/AdobeStock_812448524.jpeg?fit=1200%2C832&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/alexisgarcia.legal\/wp-content\/uploads\/2026\/05\/AdobeStock_812448524.jpeg?fit=1200%2C832&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":2162,"url":"https:\/\/alexisgarcia.legal\/es\/bankruptcy-tax-debt-miami\/","url_meta":{"origin":2047,"position":1},"title":"Can Bankruptcy Get Rid of Tax Debt? What Miami Filers Need to Know (2026 Guide)","author":"GarciaLegal","date":"julio 24, 2026","format":false,"excerpt":"Owe the IRS and drowning in other debt too? Learn which tax debts bankruptcy can actually eliminate, which ones survive no matter what, and how Chapter 13 can help even when Chapter 7 can't.","rel":"","context":"En \u00abLegal Insights\u00bb","block_context":{"text":"Legal Insights","link":"https:\/\/alexisgarcia.legal\/es\/category\/legal-insights\/"},"img":{"alt_text":"bankruptcy tax debt","src":"https:\/\/i0.wp.com\/alexisgarcia.legal\/wp-content\/uploads\/2026\/07\/AdobeStock_131610852.jpeg?fit=1200%2C800&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/alexisgarcia.legal\/wp-content\/uploads\/2026\/07\/AdobeStock_131610852.jpeg?fit=1200%2C800&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/alexisgarcia.legal\/wp-content\/uploads\/2026\/07\/AdobeStock_131610852.jpeg?fit=1200%2C800&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/alexisgarcia.legal\/wp-content\/uploads\/2026\/07\/AdobeStock_131610852.jpeg?fit=1200%2C800&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/alexisgarcia.legal\/wp-content\/uploads\/2026\/07\/AdobeStock_131610852.jpeg?fit=1200%2C800&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":2295,"url":"https:\/\/alexisgarcia.legal\/es\/divorce-and-bankruptcy-in-florida\/","url_meta":{"origin":2047,"position":2},"title":"Divorce and Bankruptcy in Florida: Should You File Before or After?","author":"GarciaLegal","date":"agosto 21, 2026","format":false,"excerpt":"If you're going through a divorce and drowning in debt at the same time, timing your bankruptcy filing matters. Here's how filing before, during, or after a divorce affects your case in Florida.","rel":"","context":"En \u00abLegal Insights\u00bb","block_context":{"text":"Legal Insights","link":"https:\/\/alexisgarcia.legal\/es\/category\/legal-insights\/"},"img":{"alt_text":"Divorce and Bankruptcy in Florida","src":"https:\/\/i0.wp.com\/alexisgarcia.legal\/wp-content\/uploads\/2026\/08\/AdobeStock_72253252_branded.jpeg?fit=1200%2C860&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/alexisgarcia.legal\/wp-content\/uploads\/2026\/08\/AdobeStock_72253252_branded.jpeg?fit=1200%2C860&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/alexisgarcia.legal\/wp-content\/uploads\/2026\/08\/AdobeStock_72253252_branded.jpeg?fit=1200%2C860&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/alexisgarcia.legal\/wp-content\/uploads\/2026\/08\/AdobeStock_72253252_branded.jpeg?fit=1200%2C860&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/alexisgarcia.legal\/wp-content\/uploads\/2026\/08\/AdobeStock_72253252_branded.jpeg?fit=1200%2C860&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":2299,"url":"https:\/\/alexisgarcia.legal\/es\/medical-debt-and-bankruptcy-in-florida\/","url_meta":{"origin":2047,"position":3},"title":"Medical Debt and Bankruptcy in Florida: What You Need to Know","author":"GarciaLegal","date":"agosto 25, 2026","format":false,"excerpt":"Medical debt is one of the most common reasons people file bankruptcy \u2014 and one of the easiest debts to eliminate. Here's how medical debt is treated in bankruptcy, and what to do if you're being sued over an unpaid bill.","rel":"","context":"En \u00abLegal Insights\u00bb","block_context":{"text":"Legal Insights","link":"https:\/\/alexisgarcia.legal\/es\/category\/legal-insights\/"},"img":{"alt_text":"Medical Debt and Bankruptcy in Florida","src":"https:\/\/i0.wp.com\/alexisgarcia.legal\/wp-content\/uploads\/2026\/08\/AdobeStock_264920914_branded.jpeg?fit=1200%2C675&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/alexisgarcia.legal\/wp-content\/uploads\/2026\/08\/AdobeStock_264920914_branded.jpeg?fit=1200%2C675&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/alexisgarcia.legal\/wp-content\/uploads\/2026\/08\/AdobeStock_264920914_branded.jpeg?fit=1200%2C675&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/alexisgarcia.legal\/wp-content\/uploads\/2026\/08\/AdobeStock_264920914_branded.jpeg?fit=1200%2C675&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/alexisgarcia.legal\/wp-content\/uploads\/2026\/08\/AdobeStock_264920914_branded.jpeg?fit=1200%2C675&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":347,"url":"https:\/\/alexisgarcia.legal\/es\/credit-card-debt-bankruptcy-florida\/","url_meta":{"origin":2047,"position":4},"title":"Drowning in Credit Card Debt in Florida? How Bankruptcy Can Wipe It Out (2026)","author":"GarciaLegal","date":"febrero 25, 2026","format":false,"excerpt":"Credit card debt can quickly become overwhelming, especially when high interest rates make it difficult to keep up with payments. If you're struggling with mounting balances in Florida, you may be wondering whether bankruptcy can provide real relief. If you are overwhelmed by credit card balances, collection calls, or even\u2026","rel":"","context":"En \u00abLegal Insights\u00bb","block_context":{"text":"Legal Insights","link":"https:\/\/alexisgarcia.legal\/es\/category\/legal-insights\/"},"img":{"alt_text":"Credit card debt","src":"https:\/\/i0.wp.com\/alexisgarcia.legal\/wp-content\/uploads\/2026\/02\/AdobeStock_134407899.jpeg?fit=1200%2C800&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/alexisgarcia.legal\/wp-content\/uploads\/2026\/02\/AdobeStock_134407899.jpeg?fit=1200%2C800&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/alexisgarcia.legal\/wp-content\/uploads\/2026\/02\/AdobeStock_134407899.jpeg?fit=1200%2C800&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/alexisgarcia.legal\/wp-content\/uploads\/2026\/02\/AdobeStock_134407899.jpeg?fit=1200%2C800&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/alexisgarcia.legal\/wp-content\/uploads\/2026\/02\/AdobeStock_134407899.jpeg?fit=1200%2C800&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":2266,"url":"https:\/\/alexisgarcia.legal\/es\/debt-settlement-vs-bankruptcy-florida\/","url_meta":{"origin":2047,"position":5},"title":"Debt Settlement vs. Bankruptcy in Florida: Which Actually Gets You Out of Debt?","author":"GarciaLegal","date":"agosto 7, 2026","format":false,"excerpt":"Debt settlement companies promise to cut what you owe, but the reality is riskier than the ads suggest. Here's how debt settlement actually works, how it compares to bankruptcy, and how to know which one gets you out of debt for good.","rel":"","context":"En \u00abLegal Insights\u00bb","block_context":{"text":"Legal Insights","link":"https:\/\/alexisgarcia.legal\/es\/category\/legal-insights\/"},"img":{"alt_text":"debt settlement vs bankruptcy","src":"https:\/\/i0.wp.com\/alexisgarcia.legal\/wp-content\/uploads\/2026\/08\/AdobeStock_256862820_branded.jpeg?fit=1200%2C823&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/alexisgarcia.legal\/wp-content\/uploads\/2026\/08\/AdobeStock_256862820_branded.jpeg?fit=1200%2C823&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/alexisgarcia.legal\/wp-content\/uploads\/2026\/08\/AdobeStock_256862820_branded.jpeg?fit=1200%2C823&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/alexisgarcia.legal\/wp-content\/uploads\/2026\/08\/AdobeStock_256862820_branded.jpeg?fit=1200%2C823&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/alexisgarcia.legal\/wp-content\/uploads\/2026\/08\/AdobeStock_256862820_branded.jpeg?fit=1200%2C823&ssl=1&resize=1050%2C600 3x"},"classes":[]}],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/alexisgarcia.legal\/wp-content\/uploads\/2026\/06\/AdobeStock_167672628.jpeg?fit=1800%2C1200&ssl=1","_links":{"self":[{"href":"https:\/\/alexisgarcia.legal\/es\/wp-json\/wp\/v2\/posts\/2047","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/alexisgarcia.legal\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/alexisgarcia.legal\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/alexisgarcia.legal\/es\/wp-json\/wp\/v2\/users\/276886052"}],"replies":[{"embeddable":true,"href":"https:\/\/alexisgarcia.legal\/es\/wp-json\/wp\/v2\/comments?post=2047"}],"version-history":[{"count":2,"href":"https:\/\/alexisgarcia.legal\/es\/wp-json\/wp\/v2\/posts\/2047\/revisions"}],"predecessor-version":[{"id":2264,"href":"https:\/\/alexisgarcia.legal\/es\/wp-json\/wp\/v2\/posts\/2047\/revisions\/2264"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/alexisgarcia.legal\/es\/wp-json\/wp\/v2\/media\/2048"}],"wp:attachment":[{"href":"https:\/\/alexisgarcia.legal\/es\/wp-json\/wp\/v2\/media?parent=2047"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/alexisgarcia.legal\/es\/wp-json\/wp\/v2\/categories?post=2047"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/alexisgarcia.legal\/es\/wp-json\/wp\/v2\/tags?post=2047"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}