Bankruptcy treats secured debt differently than unsecured debt. Understand what they are and what your responsibilities are before you file.This article provides information about the differences between secured and unsecured debt in the context of bankruptcy, particularly in Florida. The Florida Secured Transaction Registry is a centralized Uniform Commercial Code (UCC) filing and retrieval system containing initial financing statements. Debtors who file chapter 13 bankruptcy are required to obtain credit counseling from an approved provider within 6 months before filing for bankruptcy relief. Set up a household budget to guide your spending patterns. A secured loan is one where specific collateral (property) is pledged to guarantee the loan. After completing this form, you should sign the form. You should then file this document with the clerk of the circuit court in the county where the petition.