Chapter 7 Bankruptcy Attorney in Orlando, FL | Free Phone Consultation | Juan Burgos Law
Overwhelmed by credit card debt or medical bills in Orlando? Wipe the slate clean with Chapter 7 bankruptcy. Get a free phone evaluation with Attorney Juan Burgos.
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Chapter 7 Bankruptcy in Orlando, FL
Free Phone Evaluation · Fees Discussed Clearly at Your Appointment
By Juan C. Burgos, Esq. | Florida Bar #84056 | Bankruptcy Attorney, Orlando FL | Updated: June 2026
The constant buzz of collection calls you ignore. The anxiety that hits every time you open the mailbox. The exhausting loop of living paycheck to paycheck while your balances never actually go down… If this is what your days look like right now, you need to know that there is a safe, honorable legal exit — and it is a path hundreds of families right here in Central Florida take every year to breathe again.
When credit card balances, unexpected medical bills, or personal loans start piling up, Chapter 7 Bankruptcy stands out as the fastest way to hit the reset button. Unlike debt consolidation programs that often drag on for years while charging steep fees, Chapter 7 is a federal legal right that can completely wipe out your qualifying unsecured debts in as little as 90 to 120 days.
Since 2009, attorney Juan Carlos Burgos has guided Central Florida residents through the bankruptcy process with clarity and respect. Our firm provides comprehensive service fluently in both English and Spanish, ensuring you never face the federal court system with a language barrier or unanswered questions.
📞 Your Initial Phone Consultation is Completely Free
We believe you should have access to clear answers without immediate financial strain. Your initial phone case evaluation is free and strictly confidential. If your situation is a good fit and you choose to move forward, we will break down our attorney fees and flexible payment schedules transparently — absolutely no hidden costs or surprises down the road. Call us directly: (407) 505-4190
🚫 Stop Creditor Harassment on Day One
The moment we file your petition, a powerful federal injunction called the Automatic Stay locks into place. By law, collectors must immediately freeze all phone calls, demand letters, active lawsuits, and wage garnishments. The phone lines go quiet instantly.
💸 Erase Debt Without Tax Penalties
We use Chapter 7 to eliminate credit cards, hospital bills, personal loans, and vehicle repossession balances. Better yet, debt discharged through federal bankruptcy is entirely excluded from gross income by the IRS, meaning you will not get hit with a surprise tax bill.
⚡ A True Fresh Start in 90 to 120 Days
Chapter 7 does not require years of monthly payment overhead. The entire process timeline generally runs between 3 to 4 months from your initial filing date to the receipt of your official court discharge order, allowing you to move forward quickly.
Do I Qualify? Navigating the Means Test
The bankruptcy court evaluates your qualification using a formula known as the Means Test. Generally, if your gross household earnings fall below the state median for your family size, you pass automatically. However, if you earn more, we can frequently use statutory tax and living expense deductions to help you qualify anyway. We run this complex analysis for you during your review.
Check Your Eligibility in 2 Minutes
Use our free Florida Means Test Calculator to see exactly where you stand based on current income limits and household size.
What Property Can I Keep? Florida Exemptions Explained
The single biggest myth surrounding Chapter 7 bankruptcy is the fear that you will lose everything you own. In reality, the overwhelming majority of our clients do not surrender any property at all because Florida offers incredibly robust statutory exemptions to protect your core assets:
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Primary Residence: The Florida Constitution provides nearly unyielding equity protection for your primary home under the Homestead Exemption, keeping your roof safe from unsecured debt claims. - ✔
Retirement Savings: Your future is entirely secure. 401(k) plans, traditional or Roth IRAs, and corporate pensions are completely protected from bankruptcy trustees under federal guidelines. - ✔
Your Motor Vehicle: Florida’s modernized laws protect up to $5,000 of equity in a single car ($10,000 total for a married couple filing jointly). If you choose not to use the homestead shield, you can apply an additional $4,000 Wildcard allowance to safeguard even more vehicle value. - ✔
Personal Household Possessions: Standard furniture, electronics, and clothing items are safely insulated, ensuring your family maintains its daily quality of life without interruption.
Do you own a small business or company? Standard liquidating quiebras may not be your best path forward. A tailored Subchapter V bankruptcy filing lets you keep your operational doors wide open while structuring debts under protective parameters. Alternatively, if you hold consistent wages but over-median equity, a structured repayment under Chapter 13 bankruptcy might keep your assets safer.
Chapter 7 Bankruptcy — Frequently Asked Questions
How long does the entire process take?
From the exact day we file your petition to the afternoon you receive your final discharge decree from the judge, the timeline averages between 90 and 120 days. It remains one of the fastest avenues for comprehensive debt relief under federal law.
Will I ever be able to qualify for credit again?
Yes, and usually much quicker than people assume. While the historical filing note remains on your credit file for 10 years, your debt-to-income ratio improves instantly. Creditors frequently issue offers for secured credit cards and auto financing within months of your discharge because they recognize you are unburdened by past balances and cannot legally file for Chapter 7 relief again for another 8 years.
Can I include past student loan balances?
Generally, student loans, alongside domestic support obligations (alimony and child support) and recent tax bills, are considered non-dischargeable by the court. However, we will review your specific debt components during your telephone evaluation to tell you precisely what will be erased.
Will my current employer discover that I filed?
Though quiebras are technically part of the public federal database, the court does not send out notifications or alerts to employers. Unless someone manually searches your specific name in the specialized court network (PACER), your employer will not know. Furthermore, federal statutes explicitly bar public and private entities from discriminating against workers solely for exercising their right to seek bankruptcy relief.
Am I required to testify in front of a judge in court?
No, you do not have to step inside a formal courtroom or face a judge. You only attend a single administrative appointment called the **341 Meeting of Creditors**. It is a brief 5-to-10-minute meeting led by an appointed trustee. Our firm prepares your documentation perfectly beforehand, and your attorney sits right next to you the entire time.
Why a Dedicated Local Orlando Attorney Matters
Filing for bankruptcy is a deeply personal and local process. We file cases directly within the U.S. Bankruptcy Court for the Middle District of Florida — Orlando Division. We work directly alongside local trustees every day, understand court expectations, and know exactly how to guide your petition smoothly through the system.
- →Bilingual Representation: Full clear service in English and Spanish without intermediate interpreters.
- →Direct Access: You talk directly to an experienced attorney, not an automated system or shifting paralegals.
- →Hyperlocal Roots: Serving Orange, Osceola, and Seminole counties with focused, regional insight from our office in Orlando.
Ready to Regain Your Financial Peace of Mind?
Put a definitive stop to the collectors, the stress, and the constant budgeting games.
Initial telephone case evaluation is complimentary · Discreet & Confidential
Legal Disclosures Notice: Juan Burgos Law is a federally designated consumer debt relief agency under corporate federal guidelines. We proudly assist individuals and families to secure asset protection under the provisions of the United States Bankruptcy Code. The materials on this educational page are for general orientation and do not formulate an explicit attorney-client contractual relationship or representation agreement.