Bankruptcy Attorney Serving Jacksonville & Tampa Bay, Florida
Attorney Juan Burgos files bankruptcy cases throughout the Middle District of Florida, including Jacksonville and Tampa. Free consult: 407-505-4190.
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Bankruptcy Attorney for the Middle District of Florida · Free Initial Phone Consult · Se Habla Español
Bankruptcy is federal law — the same Bankruptcy Code, the same Florida exemptions, and the same means test apply whether you live in Orlando, Jacksonville, or Tampa. Attorney Juan Burgos is based in Orlando but files cases throughout the Middle District of Florida, which covers all three areas.
In short: The U.S. Bankruptcy Court for the Middle District of Florida has four divisions — Jacksonville, Orlando, Tampa, and Fort Myers. Every division applies the same federal law and the same Florida-specific protections. The only real difference is where your case is physically filed and heard.
Jacksonville Division
The Jacksonville Division covers Duval County and its surrounding area, including Clay, St. Johns, Nassau, Baker, Bradford, Columbia, Flagler, Putnam, and Union counties, along with Marion County (Ocala) and Sumter County to the south. If you live or run a business anywhere in Northeast Florida, your case is filed and heard here.
Tampa Division
The Tampa Division covers Hillsborough, Pinellas, Pasco, Polk, Manatee, Sarasota, Hernando, and Hardee counties. If you live in Tampa, St. Petersburg, Lakeland, Sarasota, or the surrounding Gulf Coast communities, this is your division.
⚖️ Same Law, Every Division
Chapter 7, Chapter 13, Chapter 11, and Subchapter V all work exactly the same way in Jacksonville and Tampa as they do in Orlando — same federal Bankruptcy Code, same rules.
🏠 Same Florida Exemptions
Homestead protection, the $5,000 vehicle exemption, the $4,000 wildcard, and unlimited retirement-account protection apply statewide — Jacksonville and Tampa residents get the exact same protections as Orlando residents.
📊 Same Means Test
Florida's Chapter 7 income limits are set at the state level, not the division level — the same household-size income figures apply whether you file in Jacksonville, Tampa, or Orlando.
What Actually Changes by Division
The division determines where your petition is filed, which judge is assigned to your case, and where your 341 meeting of creditors and any hearings take place. It does not change your rights, your exemptions, or how much debt you can discharge. Attorney Juan Burgos handles cases in all four Middle District divisions and can appear on your behalf regardless of where your case is filed.
Check If You Qualify for Chapter 7 — Wherever You Live in Florida
Florida's income limits are the same no matter which division you file in. Use our free Florida Means Test Calculator — 2-minute result, no obligation.
Own a small business facing debt? See our guide to Subchapter V for small businesses, available throughout the Middle District.
Frequently Asked Questions
Do I need an attorney based in my exact city?
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No. Bankruptcy attorneys can practice across an entire federal district. Attorney Juan Burgos handles cases throughout the Middle District of Florida, including the Jacksonville and Tampa Divisions, not just Orlando.
Will my case be treated differently in Jacksonville or Tampa than in Orlando?
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No — the same federal Bankruptcy Code and the same Florida exemptions apply everywhere in the Middle District. Only the assigned judge, trustee, and filing location differ by division.
What counties are in the Jacksonville and Tampa Divisions?
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Jacksonville: Duval, Clay, St. Johns, Nassau, Baker, Bradford, Columbia, Flagler, Putnam, Union, Marion, and Sumter counties. Tampa: Hillsborough, Pinellas, Pasco, Polk, Manatee, Sarasota, Hernando, and Hardee counties.
Do you handle cases outside the Middle District too?
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Yes. We also handle cases in the Northern District of Florida (Pensacola, Panama City, and Gainesville). See our Northern District coverage page →
Attorney Juan Carlos Burgos
Active Member, The Florida Bar (No. 84056)
Serving clients in: English · Spanish · Portuguese
This article is for general informational and educational purposes only. It is not legal advice and does not substitute for a formal consultation. Juan Burgos Law is a debt relief agency under federal law.
Live in Jacksonville or Tampa? Let's Talk.
Same attorney, same protections, same federal court district. Free initial phone consultation.