How Much Does a Bankruptcy Attorney Cost in Orlando?
The 2026 Guide for Orange County & Central Florida
Central Florida’s economy is powered by hardworking people in hospitality, construction, and healthcare. But when an unexpected medical emergency or a job loss happens, debt can pile up faster than a paycheck can cover. Bankruptcy isn’t a failure—it is a federal legal tool designed to give you a fresh start.
Bottom Line Up Front: At Juan Burgos Law, a Chapter 7 starts at $2,500 flat — court filing fee included. The fee only increases if you have active lawsuits against you, as each case requires individual legal intervention to stop wage garnishment, or if you have an overly complex case. Chapter 13 typically requires $0 upfront for attorney fees, as those are paid through your monthly plan.
Ch. 7 All-In
Ch. 13 Signing
Days to Discharge
Bankruptcy Fee Breakdowns
📉 Chapter 7: Liquidation
Eliminate credit cards, medical bills, and personal loans. Most cases are completed in under 4 months at the Orlando Division court.
Standard Case Fee:
$2,500 (All-Inclusive)
🏠 Chapter 13: Reorganization
Stop foreclosure and catch up on mortgage arrears. We use the Middle District “no-look” fee guidelines for easy approval.
Upfront Attorney Fee:
$0 (Paid via plan)
Creditor Lawsuits & Cost
When debt buyers like Midland Credit or Portfolio Recovery sue you in Orange County Circuit Court, the math changes. We must file a “Suggestion of Bankruptcy” in each case to trigger the Automatic Stay and stop your paycheck from being garnished.
Stop Garnishment
We stop active wage garnishments immediately upon filing.
Case-by-Case Pricing
Lawsuits are quoted individually so you never pay for work you don’t need.
Frequently Asked Questions
How long does the process take in Orlando?
In the Middle District of Florida (Orlando Division), a Chapter 7 usually results in a discharge within 90 to 120 days. Chapter 13 plans last between 3 to 5 years.
Can I keep my home and car?
Yes! Florida’s Homestead Exemption is one of the strongest in the nation, protecting your primary residence. We also use statutory exemptions to protect your vehicle and personal property.
What court handles my case?
Cases are filed in the U.S. Bankruptcy Court, Middle District of Florida, Orlando Division. This court covers Orange, Osceola, Seminole, Brevard, Volusia, Lake, and Sumter counties.
Ready for a Fresh Start?
Speak directly with Attorney Juan Burgos. No judgment, just solutions.
Gracias a su apoyo pude organizar mi situación financiera y atravesar este proceso con confianza y esperanza.
Lo recomiendo 100 % a cualquier persona que necesite un abogado de bancarrota responsable, comprometido y verdaderamente interesado en ayudar a sus clientes.
¡Mil gracias por todo, abogado Burgos!