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Legal Helpers Tip: Miami bankruptcy lawyers are familiar with the procedures and atmosphere of the southern district bankruptcy court of Florida. If you have maintained your residence in Florida for 730 consecutive days (two years) and you own a home, you can take advantage of the liberal homestead exemption protection your state offers. Your Miami bankruptcy lawyers will show you how to keep your home in a Chapter 7 bankruptcy. They will also explain the new provisions in the bankruptcy reform act which took effect in October 2005. These bankruptcy law changes may affect your ability to file for Chapter 7. You can still file for Chapter 13 protection even if you're not allowed to file Chapter 7, so help is always available for you