How Much Does a Bankruptcy Attorney Cost in Orlando?
The Complete 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, most Chapter 7 cases start at $2,500 — court filing fee included. That's a starting point, not a flat rate: the fee goes up if you have active lawsuits against you (each one requires individual legal intervention to stop wage garnishment), too many creditors, or an unusually complex case. Every case is quoted after we review your specific situation. Chapter 13 typically requires $0 upfront for attorney fees, as those are paid through your monthly plan. For small business owners, Subchapter V lets you keep the business open while restructuring debt — ask about your exact fee on a free consultation call.
Ch. 7 Starting At
Ch. 13 Signing
Subchapter V Court Fee
Days to Discharge
Bankruptcy Fee Breakdowns
๐ Chapter 7: Liquidation
Eliminate credit cards, medical bills, and personal loans. Most cases are completed in under 4 months at the Orlando Division court.
Starting Fee (Court Filing Fee Included):
$2,500
Most straightforward cases fall here. Active lawsuits, wage garnishment, too many creditors, or added complexity are quoted individually.
๐ 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)
๐ข Subchapter V: Small Business
Keep your business open while restructuring debt into a 3-to-5-year plan — no creditor vote required, and no quarterly U.S. Trustee fees like standard Chapter 11 cases pay.
Court Filing Fee:
$1,738 (Set by Federal Law)
Attorney fees are quoted individually based on your business's debt and revenue — ask for an exact number on a free call.
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 much does it cost to file bankruptcy in Florida?
There are two separate costs: the federal court filing fee and the attorney's fee. The court filing fee is fixed by law and doesn't vary by attorney — $338 for Chapter 7, $313 for Chapter 13, and $1,738 for Subchapter V or standard Chapter 11 (28 U.S.C. § 1930). Attorney fees vary by firm and case complexity; at Juan Burgos Law, straightforward Chapter 7 cases start at $2,500 with the court fee included, while Chapter 13 typically requires $0 upfront since attorney fees are paid through your repayment plan. If even the court filing fee is a hardship, the court allows you to pay it in up to 4 installments over 120 days, or request a full fee waiver if your income is under roughly 150% of the federal poverty guidelines.
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.
How much does Subchapter V cost for my small business?
The court filing fee is fixed by federal law at $1,738. Attorney fees vary based on your business's debt structure and complexity — unlike standard Chapter 11, Subchapter V cases don't pay ongoing quarterly U.S. Trustee fees, which keeps overall costs down.
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.
This article is for general educational purposes and does not constitute legal advice or create an attorney-client relationship. Attorney Juan C. Burgos is a federally designated debt relief agency helping families and businesses file for relief under the United States Bankruptcy Code.
Juan was great. Highly recommend his office! The situation was on a really tight timeline and he followed through. He was very empathic without sugar coating anything. Communication was always open an… Juan was great. Highly recommend his office! The situation was on a really tight timeline and he followed through. He was very empathic without sugar coating anything. Communication was always open and timely. Appreciate the extra steps he took to make sure the case was solid and felt very prepared for the hearing.
I am very grateful to Mr. Burgos. Excellent work, 100% thorough explanation, and very professional case management. A unique experience. My case became complicated with the Trustee, however, Mr. Burgo… I am very grateful to Mr. Burgos. Excellent work, 100% thorough explanation, and very professional case management. A unique experience. My case became complicated with the Trustee, however, Mr. Burgos handled the situation so well that I emerged victorious. You are in excellent hands.
Excellent work, very satisfied with the results, a good lawyer, and excellent service.
From the first moment I contacted Mr. Burgos, he showed me attentiveness and professionalism. I highly recommend him for his transparency and his willingness to listen to my situation. Thank you, Mr. … From the first moment I contacted Mr. Burgos, he showed me attentiveness and professionalism. I highly recommend him for his transparency and his willingness to listen to my situation. Thank you, Mr. Burgos.
Mr. Burgos was the only attorney who met with me and agreed to take my case just days before my bankruptcy hearing. I called every lawyer in the Kissimmee and Orlando area, and even the most prestigio… Mr. Burgos was the only attorney who met with me and agreed to take my case just days before my bankruptcy hearing. I called every lawyer in the Kissimmee and Orlando area, and even the most prestigious ones didn't treat me the way he did. I spoke to various attorneys; some wouldn't take my case because they didn't speak Spanish, and others declined for different reasons. I give him 5 stars and highly recommend him for his excellent work and good communication.