The AI Playbook for Florida Bankruptcy Firms
Debtor practice. Three districts. Fifteen prompts. One thing many firms aren’t doing at intake.
Generic AI advice was written for nobody. It doesn’t know you manage fifty to a hundred active cases simultaneously. It doesn’t know that a wrong deadline in bankruptcy doesn’t miss a billing target: it loses a house.
Built for Florida debtor practice
Generic AI advice doesn’t know the Middle District of Florida is one of the highest-filing districts in the country, or that the Tampa and Orlando Chapter 13 trustee offices have different practices.
And it has no idea that DOJ and the Department of Education changed the federal government’s litigation process for student loan discharge cases in 2022: the Bankruptcy Code didn’t change, but how the government handles these cases did, and the UST guidance page was updated March 2026.
This playbook was built for the small Florida debtor bankruptcy firm. Chapter 7, Chapter 13, Subchapter V. All three districts. Florida-specific.
What you get
The core playbook: about 40 pages. Florida-specific. Debtor-side.
Covers the full workflow from intake through student loan adversary proceedings. Includes the ethics analysis, the governance framework, the prompts library, and five appendices you can adapt and use immediately.
15 ready-to-adapt prompts organized by workflow stage
- Intake triage and document checklists
- Schedule J realism check and asset gap scan
- Means test research assist
- Chapter 13 plan feasibility check
- Motion to Value first draft
- 341 meeting prep brief
- Stay relief response
- Discharge summary and reaffirmation counseling
- Student loan attestation form organization
- Adversary proceeding complaint first draft
- Client status update
Governance templates ready to customize and adopt
- Sample AI Governance Policy (Appendix A)
- Client AI Disclosure for engagement letters (Appendix B)
- Court and trustee AI certification language (Appendix C)
- Vendor questionnaire for due diligence (Appendix D)
- 90-Day Implementation Roadmap (Appendix E)
The chapter most firms aren’t reading
Student loans are not automatically bankruptcy-proof anymore.
DOJ changed its litigation process for student loan discharge cases in November 2022. The UST guidance page was updated March 17, 2026; the current Attestation Form is dated May 2025. The success rate for post-guidance adversary cases: 87% according to Iuliano, 2025 (“success rates have reached 87% in the post-reform period,” Jason Iuliano, Bridging the Student Loan Bankruptcy Gap, American Bankruptcy Law Journal, Vol. 99, Issue 3, 2025). For the period November 2022 through March 2024, 98% of decided cases resulted in full or partial relief, per DOJ reporting (“cases decided by the courts from November 2022 through March, 98% have provided debt relief through full or partial discharge,” U.S. Department of Justice, Press Release 24-884, July 17, 2024).
The New York Fed reported 10.3% of student loan balances 90+ days delinquent in Q1 2026, with about 2.6 million borrowers more than 120 days past due transferred to the Department of Education’s Default Resolution Group in Q1. That’s a large national pool of distressed borrowers that may overlap with your Florida bankruptcy clients.
One intake question finds the candidates. The playbook’s Student Loan Adversary Proceedings chapter tells you what to do next.
Built around the rules that apply to your practice
Florida Bar Ethics Opinion 24-1
Required reading, summarized and mapped to bankruptcy practice.
Florida Supreme Court Opinion SC2026-0673
The statewide citation-accuracy rule for Florida state-court filings, effective June 15, 2026, explained and addressed.
Bankruptcy Rule 9011
The bankruptcy-specific sanctions standard, and why it matters more here than in any other practice area.
Federal bankruptcy courts are governed by their own rules. Check assigned judge standing orders.
The five ethics rules that matter most: 4-1.1 Competence · 4-1.6 Confidentiality · 4-5.3 Supervision · 4-3.3 Candor · 4-1.5 Fees. For rule-by-rule answers on confidentiality and vendor data, see the 25 AI ethics questions and the Vendor AI and Data Governance Audit.
Who this is for
The managing partner of a small Florida bankruptcy firm: fewer than 25 lawyers, high-volume consumer cases, Chapter 7 and Chapter 13 as the core, maybe Subchapter V when a client needs it.
You know AI matters. You have probably experimented with it on simple research tasks. You want the honest analysis: where it helps in your specific practice, where it is dangerous, and how to build the guardrails that hold up under Bar and trustee scrutiny. If intake is where your firm leaks the most, start with the Client Intake Workflow Playbook.
This is not for:
- Large firms with dedicated IT and compliance staff
- Non-Florida practices
- Non-bankruptcy practices
Greg Yates · Actionable AI
Former Big Law corporate partner. Solo AI-adoption consultant to small Florida law firms. Only small Florida law firms. Based in Daytona Beach.
Every playbook is built from practice-area-specific research, tested against actual Florida Bar guidance, actual Bankruptcy Code provisions, and the actual workflow of the practices it’s written for.
Authoritative references
Related resources
- Use the small-firm AI workflow playbook to turn this bankruptcy plan into a repeatable process.
- Review the 25 AI ethics questions every Florida small firm should answer.
- Check your firm’s AI readiness in two minutes.
- Use the AI Workflow Assessment when you want a firm-specific roadmap before implementation.
Download the AI Playbook for Florida Bankruptcy Firms.
Free. No obligation. Built for the firms doing the work, not the software vendors pretending intake is a magic trick.