Bankruptcy Attorney Serving Pensacola, Panama City & Gainesville, Florida
Attorney Juan Burgos handles bankruptcy cases in the Northern District of Florida: Pensacola, Panama City, and Gainesville. Free consult: 407-505-4190.
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Bankruptcy Attorney for the Northern District of Florida · Free Initial Phone Consult · Se Habla Español
Pensacola, Panama City, and Gainesville fall under a different federal court than Orlando — the Northern District of Florida, not the Middle District. Attorney Juan Burgos handles bankruptcy cases in the Northern District as well, so you don't have to search for a separate local attorney to get the same experienced help.
In short: The U.S. Bankruptcy Court for the Northern District of Florida has four divisions — Pensacola, Panama City, Tallahassee, and Gainesville. The federal Bankruptcy Code and Florida's exemptions are identical to what applies in Orlando; only the court, judges, and trustees are different.
Pensacola Division
The Pensacola Division covers Escambia County along with Santa Rosa, Okaloosa, and Walton counties — the western Florida Panhandle. If you live or work anywhere in this corner of the state, your case is filed and heard here.
Panama City Division
The Panama City Division covers Bay County along with Calhoun, Gulf, Holmes, Jackson, and Washington counties in the central Panhandle.
Gainesville Division
The Gainesville Division covers Alachua County along with Dixie, Gilchrist, Lafayette, and Levy counties in North Central Florida.
⚖️ Same Federal Law
Chapter 7, Chapter 13, Chapter 11, and Subchapter V work exactly the same way in the Northern District as anywhere else in the country — it's the same U.S. Bankruptcy Code.
🏠 Same Florida Exemptions
Homestead protection, the $5,000 vehicle exemption, the $4,000 wildcard, and unlimited retirement-account protection are set by Florida law statewide, not by federal district.
📊 Same Means Test
Florida's Chapter 7 income limits are the same whether you file in Pensacola, Panama City, Gainesville, or Orlando.
What's Actually Different Here
The Northern District is a separate court from the Middle District, with its own judges, trustees, and local procedures — but the debt relief itself doesn't change. Whether you're a Pensacola homeowner behind on the mortgage, a Panama City small business owner drowning in a merchant cash advance, or a Gainesville family facing medical debt, the same Chapter 7 fresh start and Chapter 13 repayment options are available to you.
See If You Qualify for Chapter 7 in 2 Minutes
The same Florida income limits apply in every division. Use our free Florida Means Test Calculator for a fast, no-obligation answer.
Facing business debt? See our guide to Subchapter V for small businesses, available in every Florida district.
Frequently Asked Questions
Isn't the Northern District a completely different court than where Juan Burgos normally practices?
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Yes — the Northern District of Florida is a separate court from the Middle District, which includes Orlando. Attorney Juan Burgos handles cases in both districts.
Do the same Florida exemptions apply in Pensacola, Panama City, and Gainesville?
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Yes. Florida's exemptions are set by state law and apply statewide, regardless of which federal district or division you file in.
What counties are covered by each division?
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Pensacola: Escambia, Santa Rosa, Okaloosa, Walton. Panama City: Bay, Calhoun, Gulf, Holmes, Jackson, Washington. Gainesville: Alachua, Dixie, Gilchrist, Lafayette, Levy.
Do you also handle cases in the Middle District (Orlando, Jacksonville, Tampa)?
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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 the Panhandle or North Central Florida? Let's Talk.
Same experienced attorney, same federal protections. Free initial phone consultation.