Seminole County Bankruptcy Lawyer | Debt Relief for Sanford & Altamonte
Fighting For Your Rights
Attorney Juan Burgos Accidents | Bankruptcy
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Results may vary depending on your particular facts and legal circumstances.
Seminole County may be known for its natural springs and historic districts, but for many residents in Sanford, Altamonte Springs, and Casselberry, the financial picture is far less serene. With rental costs in older apartment complexes spiking and homeowners’ insurance rates nearly doubling in 2025, families are being pushed to the brink.
If you are dreading the drive down I-4 because you fear your car might be repossessed, or if you are facing foreclosure in Winter Springs, you are not alone. Bankruptcy filings in the Middle District of Florida have surged as our neighbors fight back against inflation. Juan Burgos Law is your local advocate, helping Seminole County residents use federal law to stop creditors and protect their future.
Why Seminole County Residents Are Filing in 2026
The economic squeeze in Seminole County is distinct from Orlando. We see three main drivers for bankruptcy here this year:
1. The Rent Crisis in Altamonte & Casselberry
Many of our clients are renters who have seen their monthly payments jump by $400-$600 in the last two years. To keep a roof over their heads, they use credit cards for groceries. Chapter 7 Bankruptcy can wipe out that credit card debt immediately, freeing up cash flow to pay the rent.
2. Foreclosure in Sanford & Winter Springs
While property values remain high, many homeowners are “house poor” due to insurance premiums. If you have fallen behind on your mortgage, Chapter 13 Bankruptcy stops the foreclosure sale instantly and gives you 3 to 5 years to catch up on missed payments without losing the house.
3. Medical Debt from Local Hospitals
An unexpected stay at HCA Florida Lake Monroe or AdventHealth Altamonte can leave you with bills that exceed your annual income. Medical debt is unsecured, meaning it is often 100% dischargeable in bankruptcy.
Bankruptcy Options for Seminole County
Chapter 7: The Reset
Best for renters or families with high unsecured debt and limited assets.
- Result: Wipes out debt in 4-6 months.
- 2026 Income Limit (1 Person): Approx. $68,085 (Higher for families).
Chapter 13: The Shield
Best for homeowners who need to stop foreclosure or protect assets from liquidation.
- Result: Stops the auction instantly.
- Plan: Consolidates arrears into one affordable monthly payment.
Local Court Information
Seminole County residents fall under the Orlando Division of the Middle District of Florida.
Courthouse: 400 W. Washington Street, Orlando, FL 32801.
(Good News: Most hearings, including the 341 Meeting of Creditors, are currently held virtually via Zoom, so you don’t have to drive into downtown Orlando).
Asset Protection: Keep Your Car
Public transportation in Seminole County (Lynx/SunRail) is limited. You need your car to work. Under Florida’s 2026 Exemption Laws, you can now protect up to $5,000 in equity in your vehicle (or $10,000 for a married couple). This increased limit saves most of our clients’ cars from liquidation.
Stop the Creditors Today
Whether you live near the Seminole Towne Center or in the quiet streets of Longwood, you deserve a fresh start. Don’t let debt ruin your family’s stability.
Juan Burgos Law offers free, confidential consultations. We speak English, Spanish, and Portuguese.
Free Debt Analysis for Seminole County
Serving Sanford, Altamonte Springs, Oviedo, and Casselberry.
Disclaimer: Juan Burgos Law is a debt relief agency designated by Congress. We help people file for bankruptcy relief under the United States Bankruptcy Code.
Communities We Serve in
Seminole County
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!