Bankruptcy in Florida can help to clear out credit card debt, but it is important to understand the specific requirements of your situation. This article provides information about the differences between secured and unsecured debt in the context of bankruptcy, particularly in Florida.If you forget to list a debt in a Chapter 7 bankruptcy case, the Chapter 7 discharge might eliminate it. You can do a general denial, but BOA will likely have proof you owe this debt. Bankruptcy treats secured debt differently than unsecured debt. Understand what they are and what your responsibilities are before you file. The Fair Debt Collection Practices Act (FDCPA) makes it illegal for debt collectors to use abusive, unfair, or deceptive practices when they collect debts. 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. 4 Years is the SOL for credit card debt in Florida.